My husband and I starting using the Debt Shredder program in 2011. At this time we were married for less than one year, had two car payments, student loans, and a mortgage from a home we bought in 2009. As a newly married couple we found ourselves trying to rebound financially from the cost of our wedding, manage our combined debts, and save for our future. Within the first two years of using the Debt Shredder we were able to eliminate both car loans and our student loans, as well as better manage our budget and increase our discretionary income. With the elimination of our loans we were able to pay down the principal of our home.

One of the best features of this program is that it adapts to your life. In 2013 we were blessed with the birth of our first child and saw an increase in our monthly expenses; however, by noting these changes in our account we were able to stay on track financially and continue paying down our mortgage. In just 5 years we built substantial equity in our home, allowing us to build our dream home while also having our second child. The Debt Shredder gives us financial confidence in managing a new mortgage, childcare costs for two children, and planning for future expenses such as replacing a vehicle and purchasing furniture for our new home. Even with all of these new expenses and uncertain increases to our salaries, we are looking forward to being debt free in 10 years. The Debt Shredder is a great tool to help us manage our spending, plan for future expenses, and save thousands of dollars in interest. It is an investment that pays us back over and over again.

Jaime P.