{"id":5324,"date":"2025-09-17T20:06:22","date_gmt":"2025-09-17T20:06:22","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?p=5324"},"modified":"2025-09-17T20:06:23","modified_gmt":"2025-09-17T20:06:23","slug":"graduate-exclusive-jonathan-d","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/graduate-exclusive-jonathan-d\/","title":{"rendered":"Graduate Exclusive! Jonathan D. Buys a Car, Plans for Homeownership, and Lets His Money Work For Him"},"content":{"rendered":"\n
\n
\n

We interviewed Jonathan to hear about his journey from financial stress to freedom, and how graduating from Beyond Finance gave him a new sense of confidence, clarity \u2014 and the keys to a new car.<\/p>\n<\/div>\n\n\n\n

\n
    \n
  • Debt Amount: $32,028<\/li>\n\n\n\n
  • Started: August 2023<\/li>\n\n\n\n
  • Graduated: November 2024<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n

    Can you tell us a bit about yourself?<\/strong><\/h2>\n\n\n\n

    I live in Memphis, Tennessee with my mom, my brother, and my nephew. <\/em><\/p>\n\n\n\n

    I\u2019m a human resources specialist for the government. For fun, I love to sing. Right now I\u2019m actually taking voiceover acting classes! They tested me and told me I had a \u201cwarm, cool voice,\u201d so I\u2019m taking that and running with it!<\/em><\/p>\n\n\n\n

    I also enjoy going out to eat, working on my fitness, and learning how to invest \u2014 I’m starting to explore Bitcoin and Forex trading. I\u2019m a multi-interest kind of person!<\/em><\/p>\n\n\n\n

    How did you find yourself in debt?<\/strong><\/h2>\n\n\n\n
    \n
    \n

    Honestly? I was just living outside of my means. I wasn\u2019t paying attention to what I made versus what I spent. I had this mindset like, \u201cI\u2019ll just pay for it later.\u201d But \u201clater\u201d came with interest, and I had bought too many things I thought I could pay for.<\/em><\/p>\n\n\n\n

    I kept telling myself I could manage it \u2014 and I thought I was \u2014 until I realized that when my paycheck came in, it was already spoken for. <\/em><\/p>\n<\/div>\n\n\n\n

    \n
    \n

    Stress leads to so many things \u2014 health issues, sleepless nights, being irritable. I didn\u2019t want to live like that anymore.<\/em><\/p>\n<\/blockquote>\n<\/div>\n<\/div>\n\n\n\n

    Everything was going to past charges. I didn\u2019t have anything left for the present, let alone the future.<\/em> It was like arguing with myself \u2014 part of me thought I could still manage, but the other part knew I couldn\u2019t. Eventually, I just said: \u201cI’m tired of drowning.\u201d<\/em><\/p>\n\n\n\n

    It also became clear to me that some of my spending was tied to deeper things. Maybe depression, frustration about where I was in life. I knew I had to take accountability and stop ignoring it.<\/em><\/p>\n\n\n\n

    Stress leads to so many things \u2014 health issues, sleepless nights, being irritable. I didn\u2019t want to live like that anymore.<\/em><\/p>\n\n\n\n

    \n
    \n
    \"\"
    Jonathan was able to purchase a new car after graduating. He specifically called out that he was able to get a really good rate at 5%.<\/figcaption><\/figure>\n<\/div>\n\n\n\n
    \n

    What was your experience like with Beyond Finance?<\/strong><\/h2>\n\n\n\n

    Funny enough, my mom did a program with a competitor of Beyond Finance. But when I asked her how it was, she said, \u201cIt was okay.\u201d Not exactly a ringing endorsement.<\/em><\/p>\n\n\n\n

    So I did my own research \u2014 I Googled the top companies. Beyond Finance came up and after reading reviews, I ended up going with you all. The communication felt better and more responsive than what my mom experienced.<\/em><\/p>\n\n\n\n

    I was paying around $1,100 a month before. With Beyond, I paid around $600 monthly. So that\u2019s a savings of $500 a month.*<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n

    I just felt peace of mind. Just being able to breathe again. It felt good to know I was still paying the debt, just in a way that gave me room to live. <\/em><\/p>\n\n\n\n

    Before, my thoughts were like porcelain shattered on the floor. Sleepless nights. No peace. Once I joined Beyond, and everything was consolidated, I could focus on rebuilding, not just surviving.<\/em><\/p>\n\n\n\n

    And then paying off my first account felt like relief. Bliss. I\u2019d been paying before, but now there was actual progress.<\/em><\/p>\n\n\n\n

    What\u2019s happened since graduation?<\/strong><\/h2>\n\n\n\n

    I bought a car! That was huge. I financed it at 5% interest and I\u2019m sitting in it right now as we speak.<\/em><\/p>\n\n\n\n

    I\u2019ve also been able to go out to eat again \u2014 I love trying five-star restaurants. I\u2019ve started planning trips, saving without needing credit cards, and even investing in Bitcoin and Forex. I\u2019m learning how to make my money work for me.<\/em><\/p>\n\n\n\n

    \n
    \n

    And next week, I\u2019m going to Vegas for the first time! I saved for it \u2014 no credit cards involved. Just vibes and good planning.<\/em><\/p>\n\n\n\n

    My financial habits have absolutely changed. It\u2019s like I was in a relationship \u2014 a relationship with debt. And this program helped me break up with it. Now, I have checkpoints. I ask myself: \u201cDo I need this? Can I pay for it in cash?\u201d <\/em><\/p>\n\n\n\n

    I save intentionally, I spend intentionally, and I think about the future instead of just the moment.<\/em><\/p>\n<\/div>\n\n\n\n

    \n
    \"\"
    A picture Jonathan snapped at the Beyonce concert he attended recently.<\/figcaption><\/figure>\n<\/div>\n<\/div>\n\n\n\n

    I want to buy a house \u2014 but I want to do it smart. I\u2019m saving now so I can have money in the bank, not just for the down payment, but for the maintenance too. My goal is to have multiple savings accounts, each with $8,000 to $9,000 in them. I\u2019m not there yet, but I\u2019m getting there.<\/em><\/p>\n\n\n\n

    Beyond taught me that every dollar counts. I work hard for my paycheck \u2014 now I want to make sure it\u2019s building something.<\/em><\/p>\n\n\n\n

    Beyond Finance did what most people couldn\u2019t \u2014 they helped me wake up and pay attention. They taught me accountability. Responsibility. Mindfulness. They helped me live the life I want \u2014 responsibly.<\/em><\/p>\n\n\n\n

    \n\n\n\n

    *Clients typically save around $480 per month on their debt payments. Savings are calculated by subtracting their program payment from self reported payments or tradelines.<\/p>\n\n\n\n

    Real client compensated for a real story.<\/p>\n","protected":false},"excerpt":{"rendered":"

    We interviewed Jonathan to hear about his journey from financial stress to freedom, and how graduating from Beyond Finance gave him a new sense of confidence, clarity \u2014 and the keys to a new car.<\/p>\n","protected":false},"author":11,"featured_media":5323,"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-5324","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-client-exclusive"],"yoast_head":"\nGraduate Exclusive! 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