For years I had been making poor financial decisions, juggling bills and struggling with surmounting debt. I had tried to follow teachings on budgeting, the cash envelope system and various budgeting apps with little to no success. These methods were good, but on their own they failed because I did not have the financial literacy to make the right decisions. In less than 18 months, I was able to pay off to date $22,000 in debt and start my own online business. Marcia has empowered me to live financially free and to show up confidently in the world equipped with the knowledge and understanding of how to better utilize my money! Because of her investment in me, I have been able to see through simple everyday schemes that companies use to take advantage of my money. Marcia introduced me to her program in November 2019 and as early as December 2019 I saw a change in my finances. The way how I viewed money changed significantly just by using the zero-budgeting template. For the first time, I recognized that we had more money at our disposal than we thought and with room to spare. When additional money came in we knew exactly how to assign and account for it. I was able to enjoy sleep at night because my focus was no longer on not having enough money because my money was now working for me. Our marriage became stronger day by day as we were able to begin paying off our debts. I reduced the use of credit cards... I was able to clear off quite a few personal loans. We both got a visa debit card for online purchases instead. We transitioned to making bill payments online as opposed to standing in line and we utilized online banking a lot more. Some of the "extra" money we had was used to invest in building our brand and business, we were also able to navigate the worldwide pandemic with much grace and even were in a position to bless others tangibly with our additional resources. Being financially stable gave me the confidence to host my own talk show and to launch a business mentorship program. We have not had to borrow personal loans for the past 10 months and our marriage and family are much better for it.

The sessions were very informative, the tasks not only dealt with finance and budgeting, but they touched every aspect of your life. I wanted help with budgeting to save and get rid of debt. Marcia was able to help me formulate a budget plan to suit me and helped me stick to it through out the month. I couldn’t believe from just dealing with my finances I was able to bring structure to my life. I became more patient with my work colleagues. I became aware of strengths I didn’t even knew I had. I was just in awe. Marcia helped me not only with my budget but with every aspect of my life. I’m actually sticking to the budget. Imagine before I make a change I will call Marcia to find out what she thinks lol lol. She has helped me to grow and believe in myself more. I have a good grasp of my finances moving ahead which keeps me in check. The by-product of realizing why I do stuff. I am no longer in my own way.

I was struggling to figure out how to tackle my 7 financial goals. I felt overwhelmed and all my goals seemed unattainable. The specific results I experienced while working with Marcia included paying off one credit card in a month, reducing my eating out spending by 71%, gaining 7 points to my credit score, and a sense of clarity when approaching my financial goals. I didn't have to focus on all 7 goals at the same time but identify the two most important goals and start from there. I liked the call sessions the most. I am the type of person who needs an accountability partner and that was what Marcia was to me during our calls. These calls went past financial aid but also therapy and motivational inspiration for all aspects of my life.

Choosing Marcia as my coach wasn’t hard, she was chosen for me. She speaks a language I understand, it’s not just about money. Her faith in God coupled with her knowledge and holistic approach to finances, have helped me to cultivate a healthy mindset. From our first conversation, I was met with warmth, understanding and an enthusiasm to help me to see my potential and this caused me to be comfortable and willing to share intimate details about myself. Hearing about her journey also inspired and confirmed for me that I made the right decision. Being honest with Marcia and myself and working the program challenged me but caused me to discover my goals (personally, spiritually and financially). It brought to life a confidence that seemed to have disappeared and identified exactly what my pain point was. Before the end of the program, the journey for two of my goals had commenced.