It’s Never Too Late To Start

Apo

“Six years ago we went through a year-long, very expensive, very painful divorce. Once the divorce was finalized, I was now a single mother of two daughters, and the sole owner of a mortgage. I was carrying a growing amount of debt that began from the cost of the divorce. The amount of debt I owed continued to grow… my house flooded, and eventually my oldest daughter began college. I began to worry if I’d be able to qualify for loans for her school.

In addition, in order to be able to transfer the mortgage to myself, my home was in a five-year ARM, and four years had already passed. I was starting to panic that I would lose my home. I was carrying a lot of debt and had a zero to negative cash flow each month. I knew I was in trouble when I was starting to make only the minimum payments on my credit cards and my balances continued to climb.

At work, people kept talking about this 101 Financial thing. The first few times I just blew it off. I had been to so many finance classes, and bought budgeting books. I was sure there was nothing they could teach me that I didn’t already know.

Well… after a couple of years, and as the hype grew larger, I finally decided it was time to check it out. I started the 101 Financial System in April of 2015. Jodie Agsalog and Valerie Verceluz gave me the missing tools I needed to move towards my financial success. I was able to pay off two credit cards and a personal loan in the first few months.

Since then, I have been able to pay off all of my remaining credit cards (for a total of over $50,000 in credit card debt alone). My cash flow has increased tremendously and my credit score has improved by 100 points!

I was able to purchase a new car when my old one decided to break down, I was also able to get a great deal when I refinanced my mortgage. And I have total confidence that I will be able to pay off my daughter’s student loans before she graduates from school. My biggest goal is to pay off my home in eight to ten years.

I wish I had the tools I learned from 101 Financial years ago… but it’s never too late to start.”

– Michelle Apo

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