Momentum: Financial Independence Coaching is dedicated to helping you take control of your personal finances.  We offer personal coaching and a four-week class called Momentum: Creating True Financial Independence.

Visit: http://www.debtfreetribe.com

Momentum: Creating True Financial Independence is a four-week personal finance program that meets one evening each week for two hours.  In the Momentum program a financial independence coach guides participants through the process of discovering their dreams, developing a vision for getting out of debt and achieving their dreams.  The Momentum tools empower individuals and couples to discover their dreams, create their vision and live with the daily discipline needed to manifest their dreams.

 Isn’t time you stopped trading your dreams for debt, credit cards and car payments?

 Momentum tuition is $240 for an individual and $280 for a couple.  Momentum can be your path to true financial independence.

 Matt Kelly is the founder of Momentum: Creating True Financial Independence.  He is living his vision here in Durango with his wife Cheri and their son Malcolm.  Before you think this is a case of some financial genius that has never had debt, credit cards and car payments trying to tell you how to get to financial independence, read on.

 After graduating from Thunderbird School of Global Management with a Master of International Management in 1991 Matt began a sixteen-year cycle of accumulating credit card debt and paying it off by rolling his credit card debt into his mortgage and declaring, “Never again will this happen!”  Without any skills or tools to change his behavior, it happened again and again.

 In February 2007 Matt and Cheri began attending the thirteen-week Financial Peace University.  Over the following fifteen months they paid off $165,000 in debt and saved $20,000.  No, they didn’t have huge incomes.  They had received a $40,000 inheritance when Matt’s parents passed away - which they didn’t use to go to Hawaii.  Instead, they paid off debt.  In addition to using the $40,000 to payoff debt they harnessed their $80,000 annual income to payoff an additional $25,000 in debt and save $20,000

 Since before Cheri and Matt were married they had talked about taking a year off from work to travel the world.  At times, when their debts had been rolled into their mortgage, the dream seemed more likely to happen.  Of course, moving debt from one place to anther did not really ever pay it off; it just hid the reality of their situation.  Then, thanks to getting all of their debt paid off, except for their mortgage, the dream became a vision.

 The remaining $100,000 debt payoff came from this shared dream.  Realizing that paying off their home would be a key component to being able to freely travel around the world, Matt and Cheri decided to downsize their condo.  They sold their $300,000 condo that had a $200,000 mortgage and bought a $200,000 condo using a $100,000 down payment.  They like the new smaller condo better and can foresee the day when they will embark on their journey around the world.

 After having gone through the process of getting out of debt, Matt and Cheri’s marriage is better, there is more ease in their life, and they are happier.  And the best thing is that Matt found he has a passion and a gift for helping others get out of debt too.

 If debt is stealing your dreams, or you have not learned to tell your money where to go instead of wondering where it went, please contact Matt at matt.kelly.durango@gmail.com  or 970-749-0644.