Undra's Story: Real Change, One Budget at a Time

At BCM, we talk a lot about our programs and how they translate into real change for our families. But numbers and program descriptions only tell part of the story. So, who better to tell that story than one of our clients herself?

Meet Undra

Undra works and lives in Atlanta. She joined BCM’s Budget for Life™ knowing she needed to make changes — and she showed up fully committed to doing the work. What happened next is best told in her own words.

"My experience with the Budget for Life Program has truly changed my life for the better. I'm so grateful that I was accepted. When I started, I knew I had to make some changes in order to fully benefit from everything the program had to offer.

I rearranged my schedule to ensure that I attended every meeting. The instructors were always well prepared, and I especially enjoyed the small breakout sessions where we encouraged one another and discussed our progress.

I cannot thank Michelle enough — she made me feel at ease about my finances and never judged me. She was always available and made me feel like I was her only client. (Side note: I know that I got on her nerves, but she never showed it! LOL)

Throughout the program, I learned how to budget and make better financial decisions. It helped me become more intentional about prioritizing my needs over my wants. Before joining, I paid my bills on time, but I often made only the minimum payment or just slightly more.

While in the program, I've paid credit cards off and was able to refinance my car, reducing the interest rate from 13% to 6% — which lowered the monthly payment by $250 and allowed more money to go toward the principal. My credit score increased from the mid-500s to 646/714. Although I don't know the exact total I have paid off, I estimate it to be close to $12,000. I've been able to save more and even opened up a new savings account.

I have shared BCM and my experience with family and friends, telling them that it takes work and sacrifice — but if you follow the program, the reward is greater than the sacrifice.

I am now in the process of purchasing my first home, and my family and I cannot thank BCM enough for the support and guidance.

BCM, I would like to thank you for all that you do. Thank you for continuing to change the lives of families!"

The Reward Is Greater Than the Sacrifice

Undra's story captures something we see again and again — that families who commit to this program don't just improve their finances. They transform their relationship with money, their sense of what's possible, and their ability to build a future on solid ground. And, we are pleased to report in the time since she shard this story, Undra has met her goal  to achieve home ownership.

This is why our coaches do what they do. And Undra, Michelle loved walking alongside you every step of the way. We are still cheering you on!

A New Class is About to Graduate

This summer, we are proud to celebrate 49 families — representing approximately 150 individuals across participating households — graduating from Budget for Life. Each one has a story like Undra's: hard work, small sacrifices, and life-changing results.

About Budget for Life

BCM's Budget for Life™ program walks alongside vulnerable working families as they work to reduce burdensome debt and build long-lasting financial habits through one-on-one coaching, life skills classes, and steady support.