Money Makeover Time!

     If you are a local reader, I strongly recommend using VyStar Credit Union for your banking needs.  We have found this bank to be the fairest as far as fees and interest rates.  But they go above and beyond than handling your money as a bank would. They are actually great financial educators.  They strive to encourage their members to save money and reduce debt.
     In May 2014, we began their "Money Makeover".  It did involve eating a large slice of humble pie, and bringing a (then) stranger into our circle of trust.  This was worse that being naked in front of a stranger. Our money coach had access to our financial situation--all of it, uncensored.
     For six months, we met with her regularly. We reviewed where our money went each paycheck and how much progress we had made by saving and paying down debt.  Unfortunately, we did not win the contest---(which could have been up to $8,000 in prize money!) but my husband and I agree we DID win. We learned something more valuable. We learned how to save our money, live within our means, and significantly reduce debts.  At the end of the contest, November 1st, we were free to do whatever we would like with our savings.  I had dreamed about spending the savings the entire contest.  But something strange happened. Even when it didn't matter if we saved or we spent since the contest was over---we chose to save!  It is time for a new crew of money makeover contestants to apply- and eventually win.  If you are local I strongly suggest you apply, regardless of your financial picture.  There is always room for improvement. Here is the link http://www.vystarcu.org/home/news/current/moneymakeover
If you are out of the area, there are directions for how to complete your own money makeover as well.
      I would love to see one of my readers apply!  This had been a game changer for our entire family and the best financial decision I have ever made.  Good Luck!