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Here are some comments from our customers, past & present....

"FamilyMeans gave my husband and I our freedom back.  I cannot believe we did it!! But we did...and the time flew by. We had to sacrifice a lot...sold our luxury items and scaled down the way we lived. I even had to give up buying brand names at the grocery store...and to this day, I still go generic on a lot items. We had to rethink the way we did things - the way we spent our money. I cried a lot of tears thinking we would never get out of debt, but eventually, those tears dried up and our debt decreased. I will be forever thankful to Family Means. Thanks for helping me get my life back."

Are you saving for Periodic Expenses?  A:  My husband fixes our cars and completes our home repairs. We have a flex spending account for our medical bills. It is tight but we see the light at the end of the tunnel in 1.5 years from now!

Do you use the day to day techniques that were suggested by your counselor?  This means tracking and monitoring purchases such as gas, groceries, entertainment, eating out, purchased household items, etc?  A:  We do not purchase anything with credit.  Only what we can pay cash for.  I also have a monthly calendar that I write each bill and the amount due on the due date and cross it off when I pay it.  I also list other non-reoccurring costs in the margin of the page for that month.    A: I have not monitored my spending, but I have decreased my spending by reducing the times I eat out, buying generic brand items, and by using coupons.  A:  I am only spending money that I have on hand.  No credit cards.  Living only within my means.  A:  We created a bi monthly budget which coordinates with our paychecks. We know how much we need for weekly expenses such as gas food school vistas and plan accordingly. Whatever is leftover is earmarked for savings and/or extra monthly expenses

 "I am currently able to make plans for retirement this coming spring. I would never have been able to accomplish this without Family Means." 

"The best thing we've ever done, just wish we would have done this years ago!"

"This program has changed my view on my finances, and has taught me to be responsible. Highly, highly suggest this organization!"

"I really can’t thank you enough.  You made what is an embarrassing situation very bearable and manageable.  I have had so much less stress since I started in the DMP and am managing my money so much better than I used to. Thanks again for all of your help." 

"This was the best thing we ever did. It's so overwhelming at first, but once you get used to your budget and stick to it; it's easy.  It takes a lot of discipline, but is so worth it.  We are getting thank you letters from the credit card companies! We have finally have a good credit score are now 6 months away from being free of credit card debt forever!! To sum up our experience in one word; RELIEF.."

"Your DMP has been a lifesaver for us!  Everyone we have come into contact with has been extremely helpful and we recommend you whenever we can. Thank you for helping us get a handle on our finances again!"