Pay Off Your Debt Challenge

I just signed up for the POYD challenge, and I am so impressed with the workbook you have provided! It is simple, understandable and well-designed to make following the plan a breeze! I love the fabulous list of articles on the blog which really give testimony and depth to the process and JOY of living debt free! I encourage anyone struggling with debt or "just never getting ahead" to take the POYD challenge and read your articles.

Thanks for the great work that you do and the wonderful resources you provide!

Thanks again I'm excited to be doing this challenge. Much needed help for me. :)

Charissa is great! She has helped me get my debt inline and find extra cash in my budget.

I had numerous credit card debts some decades old. I felt trapped in a spiraling cycle of debt and no way out but finally, I was debt free in 2012. This was due largely in part to the good financial counselling and encouragement I received from Charissa. Even after the debt was paid off she was there to give good financial advice; willing to talk to me about making wise choices and how necessary it was to plan for the future. Today I remain debt free, freedom peace of mind and a sense of being able to control my finances.

Hi Charissa, today is a day of celebration, that took me almost 3 years to get too, but I paid off all my debt. With the sale of several high value items, I was able to become debt free. I followed your recommendation of paying off the smallest card first, kept them paid off and didn't use them again. Then one by one I was able to do it. Plus I was able to pay cash for my air conditioner without financing it. Thank you for ministering to me about my finances. It's the first time in a long time, that I've been able to give generously and it feels really good. You're a part of my celebration.