When my husband and I were referred to Phil, we really had no idea how to manage our finances
I mean, we earn good money but we had no savings and quite a bit of credit with no idea of the best way to pay it off.
Our first meeting with Phil was very inspiring and as he said to us “it works, as long as you do what I say and follow the software, it will work”. It does!! It took three months and a lot of change to get used to but now, we have no credit, we have savings and we don’t dread pay day as we get to keep most of our money !