226 | How Lisa Paid Off $15,000 in Debt and Built $7,000 in Savings in One Year episode artwork

EPISODE · May 5, 2026 · 44 MIN

226 | How Lisa Paid Off $15,000 in Debt and Built $7,000 in Savings in One Year

from Money Files: Money Mindset & Personal Finance · host Keina Newell - Personal Finance & Money Mindset Expert

In today’s podcast I’m interviewing my client Lisa and you might relate to her story more than you think.  Before working with me, Lisa would go on vacation and assess the damage when she came back.  But what Lisa has figured out after a full year of working the system we implemented is that she doesn’t have to figure anything out anymore.  Thanks to the Three Money Bucket system, the money is already there.  Lisa started working with me about a year ago, right before her 40th birthday, with about $40,000 in credit card debt that she couldn’t seem to shake, and a savings account that wouldn’t grow despite making good money.  She would say she felt like she was just above water, and she knew things didn’t add up.  In this episode, Lisa shares what a full year of using the Three Money Bucket system actually looks like: $15,000 paid off, nearly $7,000 saved across multiple accounts, another $7,000 in her bills account, and a Disney cruise paid in full.  She also talks about what has surprised her most from our work together and how budgeting has helped her elevate what she values financially. Listen to this episode as Lisa shares her transformation and answers questions about her experience......[01:35] What has a full year of budgeting been like?[03:37] What have you adopted since we started working together?[07:52] How do you make decisions and trust that you made the right ones?[14:32] What was your journey with debt like?[24:14] How coaching paid for itself[27:20] How has your relationship with your son changed when it comes to finances and how you want to support him?[30:36] What was the missing link when it came to savings?Tune in to this episode of Money Files as Lisa and I discuss her journey to financial freedom. Get full show notes and the episode transcript: https://wealthovernow.com/how-lisa-paid-off-15000k-in-debt-and-built-7000k-in-savings-in-one-year/Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

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226 | How Lisa Paid Off $15,000 in Debt and Built $7,000 in Savings in One Year

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