She Strengthens

From Rock Bottom to Financial Freedom

Tough Times Don’t Last, But Tough People Do

We’ve all heard the saying “more money, more problems.” But what about when you’re struggling to make ends meet? Being broke can be a daunting and stressful experience, but it’s not impossible to overcome. Recently, we asked individuals to share their stories of hitting rock bottom and how they managed to turn their financial lives around.

When Desperation Hits

Maritza, 27, remembers a particularly tough semester in college when she was struggling to make ends meet. With a car repair bill of over $1,200, no income, and dwindling financial aid, she was desperate. Her roommate suggested working at a local strip club, but Maritza knew that wasn’t the solution for her. Instead, she applied for her first credit card, asked her parents for help, and participated in online surveys and focus groups to make ends meet. It was a tough lesson, but one that taught her the importance of stretching a dollar.

Pride vs. Poverty

Anonymous, 36, found herself in a similar situation after getting divorced and moving out on her own for the first time. With no roommates or help, she struggled to pay her bills, and her gas was shut off for days. But she refused to give up. By taking on a second job, staying in a rental below her means, and avoiding credit cards for five years, she was able to pay off her debts and become a homeowner with a stellar credit score.

The Weight of Debt

Tiara, 35, knows what it’s like to be drowning in debt. After law school, she found herself with a staggering $200,000 worth of debt. But then she met her future husband, who worked in finance and helped her develop a plan to pay off her debts. By committing to pay $2,500 a month towards her debt, she was able to become debt-free in five years. Now, she uses her money to build her savings, invest, and pad her retirement account.

Anxiety and Financial Struggles

Kim, 30, remembers a particularly dark period in her life when she was struggling to make rent, had just gone through a breakup, and was dealing with anxiety. But she refused to give up. By seeking help from her doctor and taking care of her mental health, she was able to get back on her feet and find a full-time job. Now, she’s living on her own and happy with where she is in life.

A Fresh Start

Anonymous, 28, knows what it’s like to hit rock bottom. After breaking up with her boyfriend in NYC, she found herself with $5,000 worth of credit card debt and no way to afford living in the city. So, she made the tough decision to move back to her Midwest hometown to live with her parents. It wasn’t an easy choice, but it was the right one. By working with her dad to create a budget and paying off her debts, she was able to get back on her feet and eventually move into her own apartment. Now, she’s grateful for the experience and the lessons she learned about money management.