Changing Financial Perceptions

I came from a middle-class family where both my parents worked full-time to support the household. We always had just-enough to make ends meet and our holidays were spent working in my father’s business to help out. My parents only spent what they made each month, and they lived a humble life while raising us.

Poor Financial Choices

When I was introduced to Genistar, I had no idea what the company did or what services they offered. I attended because my husband had heard about the founder, Jeffrey Lestz, and really wanted to hear his story. Prior to this, I hadn’t realised that I was a textbook example of a middle-class person without any financial education, who tries to work hard, tries to save, and borrows the rest. I felt that even though I earned a good wage, it was always gone so quickly.

At the Genistar meeting, I came to understand that I was making very poor financial choices! I learnt that I was stuck in a system of debt and borrowing that was designed to keep me there. At this point, I personally had two credit cards – I thought you NEEDED to have a credit card in order to prove that you could work with credit. We used our credit cards to pay for family holidays, without one holiday ever being fully paid off before we went on another.