I definitely deserve a mug!! Here is why:

I enrolled in your coaching program with Prosper three weeks ago. Here is what I have accomplished in that timeframe:

– I finally have a good understanding of my financial situation. With the cash flow statement I know exactly where my money is coming from and going. Which in turn made me realize the amount of money I was spending in completely unnecessary things.

– In parallel I started working on identifying my “Latte Factors”…which I thought I had none until I started tracking any and all expenditures.

– A long list of actions have been taken to bring those lattes under control, reduce unnecessary spending and find additional money that could then be used to control debt and for investment purposes. For example, I now bring my lunch to work, saving over $1700 annually. I realized reduced my tax withholdings significantly, increasing my monthly cash flow. I increased by employer 401K contribution to max it out annually. I also worked with utility companies enrolling in their budget payment plans, hence making my cash flow as predictable and boring as possible.

We’re about to start working on debt reduction. I have a 15 year fixed rate mortgage. I owe approximately $245,000, scheduled to be paid in 12 years. My coach tells me that we’re going to pay it in approximately six years!! Can you imagine the kind of savings I’m going to be able to do once the mortgage is paid in full? Sounds like a dream.

Now then: do I deserve a mug or what??

With a lot of gratitude,