Although we are only three months into our program with you, we have already achieved much more than I thought possible.Thanks to what you are teaching us, we have already paid off 2 credit cards and are attacking the 3rd. I told you in our first meeting that I would stay up at night worrying about how to get rid of this mountain of debt! While I am not happy that I accumulated it, I am happy knowing that we have a plan and the skills to become debt free. Plus, as newlyweds, we are learning these skills together and we actually look forward to sitting down every two weeks and planning our budget. It makes both of us feel engaged and empowered in the spending as well as saving aspects of budgeting. Thanks to the skills you are teaching us, we should be out of debt in about a year, and I can assure you that three months ago I didn't think that was possible! Thanks again for all that you are teaching us. You truly are a blessing!