Discover Sarah's Journey: From Debt to Financial Empowerment


I want to share a story with you today – one that I believe will resonate with many of you. It’s about Sarah, a homeowner and a client of mine, who recently navigated through some challenging financial waters.

Sarah, like many Canadians, was caught in the rising tide of consumer debt, which, as you might know, reached a staggering $2.4 trillion in Q3 2023. When she first came to me, Sarah was overwhelmed. Her credit card balance had hit over $23,000, way above the national average of $4,119. With the rising cost of living and the economy slowing down, she felt like she was in over her head.

But here’s the twist – Sarah didn’t let these challenges define her. She saw them as an opportunity to take control of her finances. We sat down together, looked over her expenses, and devised a plan. It wasn’t easy, especially with the average credit card balance for Canadians climbing as high as it has in recent years.

Sarah’s journey was tough, but her determination was tougher. She started by tackling her credit card debt, which had soared by 16% nationally. We worked on budgeting, cutting unnecessary expenses, and finding ways to increase her payments, plus combining her loans into one manageable payment, saving hundreds of dollars per month.

The most inspiring part? Sarah didn’t just stop at managing her debt. She became a financial role model in her community. She shared her story with friends and family, showing them that it’s possible to overcome financial hurdles, no matter how insurmountable they may seem.

Her story is a testament to resilience and the power of a well-thought-out financial plan. And it’s not just about numbers and percentages; it’s about real people, real struggles, and real triumphs.

If Sarah’s story strikes a chord with you, remember, you’re not alone. Consumer debt, especially credit card debt, is a reality for many. But like Sarah, you have the power to change your financial narrative. As your mortgage advisor, I’m here to help you chart a course through these turbulent financial waters. Whether it’s managing debt, refinancing your mortgage, or just needing someone to talk to about your financial worries, I’m here for you.

Together, let’s turn your financial challenges into a story of triumph.

Sincerely,

Bernadette Laxamana
Mortgage Broker & President
Karista Mortgage

 

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