I have been working with Cindy for about 6 months now. In that time, I have pulled my credit rating and cleared a few inaccuracies, paid off four credit cards, started a savings account for emergencies, developed a working spending plan, and have a net worth statement. I am tracking my spending and learning new ways to manage my money better. I am committed to making all of my payments on time and to paying off the other two credit card balances. I will also begin serious savings towards my spending needs so that I have the money available in advance of the need and not scramble from month to month. I am extremely grateful to have found the excellent resource in Cindy Morus. I know the changes I am making with have permanent positive effects for the rest of my life. Sandy Cokeley