Over the last four months Jason and Kia have made drastic changes with their debt. But this last month
I could tell that Jason and Kia’s motivation had begun to dwindle a little. When meeting with Kia one on one, we were able to dive in to find out what some of their struggles were and why they weren’t as motivated as before.

Kia and Jason are overwhelmed with some things that are going on in their personal life and also with not seeing drastic changes in their finances. There have been some unexpected bills that have thrown their budget goals. While talking to Kia, I have suggested committing to saving a certain amount every month. I’ve also suggested they think about starting some special savings accounts in order to start saving for events that are happening later on this year. This way they are not trying to find money at the last minute. I reinforced that they have made huge strides towards their goals and that they will not be able to make such drastic changes every month.

Rance and I need to keep Kia and Jason motivated during this long process. In our meeting next week we hope to get Kia and Jason excited again and to remind them that they have done a great job so far.
To be successful doesn’t always mean there has to be drastic changes, but that little changes go a
long way.  

Being a first time Financial Makeover coach I have been blessed with a wonderful family. Kia is a hard working mother who takes care of her two kids, goes to school full time and works as many hours as she can at St. Luke’s South hospital. Jason also works full time, takes care of the kids and still finds time to put together excel spreadsheets about their budget so that they can get a running start to win this contest.

After our first meeting with Jason and Kia they found they had a lot more extra money that they could be saving and using to pay off debt than they had realized. They were overjoyed with excitement thinking that they would have their credit cards and auto loans paid off by May. Most of this has taken place but there has been a rock thrown into the pile. The house they have been renting from family members since they moved to Kansas City is now going up on the market. This has been a huge stress factor for both Jason and Kia. Not only are they having to clean the house top to bottom while working, going to school and taking care of the kids, but also having to take money out of their budget to fix any areas on the house that the realtor r needs them to. All while trying to figure out where they are going to live when the house sells.

The big question is: would it be smarter to buy a house, or rent until there is enough money in the savings for a down payment or if anything goes wrong with a new house?