{"id":4934,"date":"2025-07-10T17:22:00","date_gmt":"2025-07-10T17:22:00","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?p=4934"},"modified":"2025-10-15T21:21:29","modified_gmt":"2025-10-15T21:21:29","slug":"client-exclusive-how-we-helped-joy-rebound-from-debt-after-a-pay-cut-and-move-derailed-her-budget","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-how-we-helped-joy-rebound-from-debt-after-a-pay-cut-and-move-derailed-her-budget\/","title":{"rendered":"Client Exclusive: How We Helped Joy Rebound from Debt After a Pay Cut and Move Derailed Her Budget"},"content":{"rendered":"<style>.kt-sc4934_9b56b1-cc .kt-sc-imgcol, .kt-sc4934_9b56b1-cc .kt-sc-textcol{min-height:450px;}.kt-sc4934_9b56b1-cc .kt-sc-textcol{padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px;margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 767px){.kt-sc4934_9b56b1-cc .kt-sc-imgcol, .kt-sc4934_9b56b1-cc .kt-sc-textcol{min-height:450px;}}<\/style>\n<div class=\"aligncenter kt-sc4934_9b56b1-cc wp-block-kadence-splitcontent\"><div class=\"kt-split-content-wrap kt-sc-media-side-left\" style=\"grid-template-columns:50% auto\"><div class=\"kt-sc-imgcol kt-sc-imgcol-bg-auto kt-sc-img-side-left\"><figure class=\"kt-split-content-media-image wp-image-container-4935\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/07\/Joy-Burkley-1-e1752267973141.png\" alt=\"\" width=\"772\" height=\"773\" class=\"kt-split-content-img wp-image-4935\" srcset=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/07\/Joy-Burkley-1-e1752267973141.png 772w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/07\/Joy-Burkley-1-e1752267973141-300x300.png 300w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/07\/Joy-Burkley-1-e1752267973141-150x150.png 150w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/07\/Joy-Burkley-1-e1752267973141-768x769.png 768w\" sizes=\"auto, (max-width: 772px) 100vw, 772px\" \/><\/figure><\/div><div class=\"kt-sc-textcol kt-sc-text-valign-center kt-sc-text-halign-center\"><div class=\"kt-sc-innter-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading4934_1baa50-c6, .wp-block-kadence-advancedheading.kt-adv-heading4934_1baa50-c6[data-kb-block=\"kb-adv-heading4934_1baa50-c6\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading4934_1baa50-c6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading4934_1baa50-c6[data-kb-block=\"kb-adv-heading4934_1baa50-c6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading4934_1baa50-c6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading4934_1baa50-c6[data-kb-block=\"kb-adv-heading4934_1baa50-c6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading4934_1baa50-c6 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading4934_1baa50-c6\">When a large pay cut coincided with a big move, Joy B. took on credit card debt to make up the difference. Thinking the debt would be temporary, Joy quickly realized she\u2019d gotten in over her head.&nbsp;<\/p>\n\n\n\n<p class=\"has-text-align-left has-theme-palette-1-color has-text-color has-link-color wp-elements-b07b685ab2ee56301f57a958da3ec595\"><br><strong>Debt Amount: $20,029<br>Started: January 2024<br>Savings: $418 a month!*<\/strong><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Meet Joy: An Occupational Therapist Who Struggled With Debt After a Big Move<\/strong><\/h3>\n\n\n\n<p>Joy is an occupational therapist in Richmond, Kentucky who absolutely loves what she does. But the road to this fulfilling role wasn\u2019t easy.<\/p>\n\n\n\n<p>Just a year earlier, Joy had relocated for a different position that came with a $20,000 pay cut. She took the job hoping for a meaningful fresh start \u2014 but instead, it led to financial strain and emotional burnout.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>We teach kids how to be kids and learn the skills they need for life,\u201d she said, describing the hands-on work she does every day to help children grow and succeed.<\/em><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">How Joy Got Into Debt<\/h2>\n\n\n\n<p>She quickly found herself overwhelmed, not just by the financial strain, but by the stress of starting over in a new town. Between the costs of moving, setting up a new home, and trying to maintain some normalcy, Joy racked up around $20,000 in credit card and private loan debt in just six months.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Joy\u2019s \u2018Aha\u2019 Moment \u2013 Realizing She Needed Help<\/h2>\n\n\n\n<p>Joy\u2019s breakthrough moment came late one night when she realized didn\u2019t have enough money to afford the copay for a recent therapy session.<\/p>\n\n\n\n<p>That same night, she filled out a form online looking for help.&nbsp;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong><em>Counseling is important, and I couldn&#8217;t afford the copays because I was paying so much on credit card debt. [At that point] I was borrowing money just to buy groceries or gas. I was like, &#8220;I need help. I can\u2019t keep doing this. I can\u2019t keep living like this.<\/em><\/strong>&#8220;<\/p>\n<\/blockquote>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Turning Things Around With Beyond Finance<\/h2>\n\n\n\n<p>Ultimately, a Google search led Joy to Beyond Finance. She explored a few companies in the process but was drawn to our strong reviews and heartfelt testimonials. Still, making that first phone call wasn\u2019t easy for her.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong><em>Admitting out loud that I was in debt over my head was scary. But I was really reassured that it was going to be okay. I felt very positive about myself\u2014as if I was making a good choice for me.<\/em><\/strong><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">What Stood Out Most: Support, Simplicity and Stability<\/h2>\n\n\n\n<p>Joy felt cared for from the beginning. She loves that when she calls us, she gets clear answers. She also appreciates the app\u2019s transparency and how it keeps her in the loop wherever she is.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong><em>Every time I\u2019ve called, I\u2019ve gotten really good feedback and advice. I felt heard. And because of the app, I know what\u2019s going on without having to call every day.<\/em><\/strong><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Advice for Others: \u201cSomebody\u2019s Here to Help You\u201d<\/h2>\n\n\n\n<p>Joy knows how hard it is to take that first step, but she urges others not to wait and shared that for her, starting was simple and everything was processed quickly without any hiccups.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em><strong>Make the phone call. Fill out the form. It\u2019s going to be okay because somebody&#8217;s here to help you and hold your hand through the process.<\/strong><\/em><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Looking Ahead: A Debt-Free Future and a New Car<\/h2>\n\n\n\n<p>Thanks to Beyond Finance, Joy was able to get a more reliable car and afford the payment \u2014 something she said she wasn\u2019t able to do before. \u201cIt\u2019s not a new car, but it gets me to work so I can keep earning and paying off my debt.\u201d<\/p>\n\n\n\n<p>And once she graduates from Beyond Finance? She already has her eyes on the next goal: \u201cI\u2019m planning to use the money I\u2019m putting into the program now to start paying off my house.\u201d<\/p>\n\n\n\n<p>*<strong>A quick note about Joy&#8217;s story: <\/strong>She&#8217;s a real client who was compensated for taking the time to share her experience with us. Joy saved 59% on her eligible monthly payments and her savings were calculated by subtracting her program payment from her self-reported payments or tradeline minimums on eligible accounts.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When a large pay cut coincided with a big move, Joy&#8217;s budget was thrown for a loop. We helped her with a plan to manage the debt she&#8217;d taken on to get by. <\/p>\n","protected":false},"author":4,"featured_media":4936,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[163],"tags":[],"class_list":["post-4934","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-client-exclusive"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Client Exclusive: How We Helped Joy Rebound from Debt After a Pay Cut and Move Derailed Her Budget - Beyond Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-how-we-helped-joy-rebound-from-debt-after-a-pay-cut-and-move-derailed-her-budget\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Client Exclusive: How We Helped Joy Rebound from Debt After a Pay Cut and Move Derailed Her Budget - Beyond Finance\" \/>\n<meta property=\"og:description\" content=\"When a large pay cut coincided with a big move, Joy&#039;s budget was thrown for a loop. 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