Paul began counseling and during their first session client and  counselor (Monika Milone) reviewed their credit, savings and money management and  affordability.  

Paul had an average 709 via credit karma. His credit card utilization was between sitting at 39%  and it also showed that he had no collections, but six open accounts sitting at $1024 in  monthly debt. After reviewing the need for personal savings/reserves and lender/DPA  requirements, the client and counselor set goals and action plans for the client to help him.  Client and Counselor discuss all the different option and with the purchase price and goal the  client had. The only possibly the client had was for him to make double (plus) payments on his  auto loan and to place every extra penny in his savings. Client knew what he needed to do  because they were waiting for the quarantine to be up and their daughter to be back from  over-seas and they wanted to be purchased if possible if they could before then. He was also  finishing his nursing degree and wanted to purchase as soon he graduated.  

Knowing that his happy debt number was under $655.00, every month the client would come  to their per-purchase counseling sessions with more and more savings and less credit card  utilization and more of their auto loan knocked off! Paul worked heavily on reducing  his DTI money management, which resulted in extra funds to pay down her utilization.