I needed a plan and Sam was there to help me get started and gain momentum in knocking out my debt. Once she went through my budget, I discovered I had way more money to toss at paying things down faster than I originally thought. She was willing to listen to what sort of system I prefer, for example I don’t mind spreadsheets but I need them to be EASY or I won’t keep up with managing it. She helped create a simple way to track my progress. Once you have a game plan, things don’t seem overwhelming. Having Sam get nerdy on my problem, because she loves this stuff, has helped me not only avoid racking up any further debt, but pay cash for vacations and a wedding to boot!