From Unemployed to Homeowner in 8 Months with 101
“On July 27, 2008 Brad and I became clients of 101 Financial. I must say that this was one of the best decisions that we have ever made in our lives. Prior to becoming a client, we had accumulated $46,199.00 in debt through various loans, credit cards and lines of credit just to name a few and had really nothing to show for it.
Brad and I both had jobs but just couldn’t seem to get ahead. We made our payments but there was never really anything left over from our paychecks to save for the future or plan any vacations that we would want to take. It was so disappointing to think that we could not plan to take our kids to Disneyland or go on a family vacation without worrying about the cost that it would take to get there. The reality was that it was just out of our reach. It was depressing to even think about the future when all we had was what little we had left over to get us barely through to our next paychecks.
It was at this time that I started praying for help. In my prayers I asked God for direction, knowing that this wasn’t supposed to be all that there was for our lives. Our whole mindset was about wanting to help others and being a blessing to others so I asked God, if we are supposed to be a blessing to others and help those in need how could we when we are just getting by ourselves? About a week later a friend gave me information about 101 and told me to contact her niece who was an instructor. We did. And the rest as they say is history.
Since being on the 101 system, we have managed to pay down some of our debt. Then in 2009 Brad was laid off from his job in construction due to the downturn of the economy. He was unemployed for one year. Without 101 we would not have been able to make it. Going from a construction worker’s salary every week to five hundred every two weeks was rough because our bills and payments remained the same. However we were able to maintain and survive due to the 101 system.
On January 3, 2011 with the coming of the New Year things turned around. Brad was hired at Kingsland at HGVC but what is truly unbelievable is that only eight months after being laid off for a year we have completely paid off all of our debt and were able to purchase our first home in Waikoloa to be closer to our jobs and church. We spent the first night in our new home on 08/27/11, Brad’s 38th birthday. The mortgage broker was absolutely amazed at how we could go from unemployment to purchasing a home in eight months. I thank God for 101 Financial.”