For Life, Love, and Legacy

How getting your finances in order affect more than just your money.


Tis the season for chocolates, flowers, and cheesy love poems! Did you know that budgeting and talking about your finances can be romantic too?! That’s right. Light those candles and pour the wine - it’s budget meeting time!

When Paul Pardus and his wife Kim were introduced to the Baby Step Plan laid out in SmartDollar, it completely transformed the way they view and handle money.

They learned the importance of a budget and started attacking their debt together.

“Now we tell our money where to go instead of wondering where it went. It has given us peace of mind and eliminated any financial stress.”

They struggled for a few months, trying to figure out how to make their budget work. They knew they had to live on less than they make and really attack their debt! Together, they discussed, compromised, and continued to tweak their budget until they got it right. 

With their dedication and teamwork, they crushed all their debt (besides their mortgage) and had a total financial turnaround of $82,000 (that’s total debt paid + total dollars saved)!

What is awesome about this is that Paul and Kim didn’t only have an awesome financial turnaround - they also created an even better marriage.

“We’ve always had a great marriage, but now, it’s even better because it’s completely free of financial stress. We are both on the same page with our finances and look forward to doing our budget each month.”

Wow! Can you imagine… a marriage completely free of financial stress? Money is the number one issue married couples argue about, and the higher a couple’s debt burden, the more likely they are to argue about money.¹ In fact, 1 in 3 people who have argued with their spouse about money say that they hid a purchase from their spouse because they knew they would not approve.²

When you and your spouse are not on the same page about money, these things happen. You lose trust in one another, and your marriage is put under stress. Additionally, we know these issues don’t just stay at home – they follow each spouse to work, decreasing their focus and overall productivity. Common goals and planning together makes a huge difference. That’s why Paul and Kim are winning with their money - and in their marriage!


Because of this common goal, the Pardus family were able to have some great successes too. They recently had a $550 car repair bill, but because they had their emergency fund set up, this unplanned expense was completely stress free. Don’t get me wrong - no one likes to pay $550 out of the blue! But it sure is nice to know you can cover the cost because you were dedicated enough to prepare for it. 

When it came to staying motivated Paul said, “The excitement of paying off that first loan with the Debt Snowball earlier than you anticipated - that made us even more motivated to continue and get out of debt.”

With the momentum created by the Debt Snowball, Paul said, “We were paying off debt years ahead of when we ever dreamed of paying it off”.

Just imagine paying off debt YEARS ahead of when you thought you would. YOU CAN DO THIS. Paul and Kim are living proof of it. They are now excited about planning for their retirement, knowing they will be prepared to live like no one else, since they chose to live like no one else, today.

If you are on the fence about making these changes for yourself, listen to what Paul has to say:

“Start it as soon as you can. We both wish we would have known about this years ago. It’s life-changing and financially freeing.”

Not sure you can actually do it? He continues to say:

“Anyone can do this. You don’t have to be making millions. The peace and security you get financially is so rewarding!”


If you want to experience this life change too, we would love to help! If your company already provides SmartDollar, make sure to sign up today. If your company doesn’t have SmartDollar yet, reach out to us, and we would love to get you started!


¹ The State of Finances in the American Household, 2017
² The State of Finances in the American Household, 2017