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Daniel and Joni's Journey

Daniel and Joni Simmons.

Follow along to see their progress.

Month 1 | April 2023 

Focus: Budgeting, Settings Goals & All In Financial Tools

The word that personifies the first month of All In 2 Finances for us is: Budget. The importance of budgeting our income and setting the leftover funds aside has allowed us to start working on improving our credit scores and paying down our debt. The knowledge we have gained has encouraged us to make our credit and financial future a top priority in our life. Everything we do financially from this point forward will be done with this goal in mind.

As a couple, we have committed to curb our spending on unnecessary expenses. We have had to ask ourselves, what could we do with this money if we do not put it toward unnecessary expenditures, so we are now only buying groceries and items that we HAVE to have. After meeting with our coaches, we have attempted to limit trips to Starbucks and the thrift store along with reducing all wasteful spending.

Under the guidance of our coaches, we have seen more disposable income at the end of the week, and by using our cards and credit less, we have experienced an increase in our credit score. While these seem like small victories, they are major milestones for us and a sign of things to come. We are hoping these incremental changes will result in larger ones down the road, as we overcome our financial shortcomings and manifest a brighter future for our family.