{"id":5516,"date":"2025-12-29T21:50:23","date_gmt":"2025-12-29T21:50:23","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?p=5516"},"modified":"2025-12-29T22:02:35","modified_gmt":"2025-12-29T22:02:35","slug":"client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/","title":{"rendered":"Client Exclusive: Tracie H., A Former Operations Manager Finding Her Way Back to Financial Wellness"},"content":{"rendered":"\n<p>Tracie H. lives in Western New York with her husband and their three corgis. She describes herself as a proud \u201cDisney Adult\u201d who likes to have fun and enjoy life. For years, Tracie was successful in her career as an operations manager in corporate travel, staying on top of her bills and never missing a payment. But when the pandemic hit, everything changed.<\/p>\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\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/Testimonial-Square-Images-4-1024x1024.png\" alt=\"\" class=\"wp-image-5517\" srcset=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/Testimonial-Square-Images-4-1024x1024.png 1024w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/Testimonial-Square-Images-4-300x300.png 300w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/Testimonial-Square-Images-4-150x150.png 150w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/Testimonial-Square-Images-4-768x768.png 768w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/Testimonial-Square-Images-4.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>The possibility of being debt free in a few short years was worth it to me. Now, I\u2019m much better at saving money and planning ahead for the future.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"has-theme-palette-1-color has-text-color has-link-color wp-elements-011291a09aeec834e99c9d5ac82db18c\"><strong>Debt Amount:<\/strong> $47,244<br><strong>Started: <\/strong>August 2024<br><strong>Monthly Savings: <\/strong>$929 a month!*<\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Before Beyond Finance: When Minimum Payments Became the Norm<\/h2>\n\n\n\n<p>Reduced hours during the pandemic meant less income and more reliance on credit cards. While Tracie never missed a payment, making only the minimum quickly became routine and the balances stopped moving in the right direction.<\/p>\n\n\n\n<p><strong>How did you get into debt?<\/strong><strong><br><\/strong><em>The pandemic was not kind to the travel industry. My hours were reduced. I always had credit cards, but I found I was using them more and was only able to make the minimum payments.<\/em><\/p>\n\n\n\n<p><strong>How did the debt make you feel?<\/strong><strong><br><\/strong><em>I think I was naive about it for a long time and had my head in the sand. It became my normal, and until I was drowning in it, I hadn\u2019t realized how bad it was.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Recognizing It Was Time to Do Something Different<\/strong><\/h3>\n\n\n\n<p>As time went on, Tracie realized that staying current wasn\u2019t the same as making progress. She explored a personal loan first, hoping a lower interest rate would finally move the needle.<\/p>\n\n\n\n<p><strong>How did you know it was time to get help?<\/strong><strong><br><\/strong><em>I actually applied for a loan first. When they explained how long it was going to take me, I realized I truly was stuck and needed to do whatever I had to do to get my finances back on track.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Finding Beyond Finance Through an Unexpected Path<\/strong><\/h3>\n\n\n\n<p>After clicking on a social media ad, Tracie was introduced to a new approach \u2014 one that focused on affordability and a clear plan forward.<\/p>\n\n\n\n<p><strong>How did you find Beyond Finance?<br><\/strong><em>They explained that what I really needed was a debt consolidation program, and they connected me with Beyond Finance. At first I thought, \u201cNot for me,\u201d but then it all clicked.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>An Exciting New Future for Tracie<\/strong><\/h3>\n\n\n\n<p>Today, Tracie is focused on building healthier habits and planning ahead. Beyond Finance didn\u2019t just help her address her debt, it helped her change how she thinks about money and the future.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>Now, I\u2019m much better at saving money and planning ahead for the future.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p><strong><em>*About this testimonial:<\/em><\/strong><em> Tracie is a real Beyond Finance client who was compensated for sharing her experience. Her savings were calculated by subtracting her program payment from her self-reported payments or tradeline minimums. Clients typically save $480 per month on their debt payments.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>See how Tracie reduced financial stress and saved $929 a month through a Beyond Finance debt consolidation program.<\/p>\n","protected":false},"author":6,"featured_media":5518,"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-5516","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: Tracie H., A Former Operations Manager Finding Her Way Back to Financial Wellness - 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-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Client Exclusive: Tracie H., A Former Operations Manager Finding Her Way Back to Financial Wellness - Beyond Finance\" \/>\n<meta property=\"og:description\" content=\"See how Tracie reduced financial stress and saved $929 a month through a Beyond Finance debt consolidation program.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/\" \/>\n<meta property=\"og:site_name\" content=\"Beyond Finance\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-29T21:50:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-29T22:02:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/BF_Client_Exclusive_Tracie_H_1225.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"863\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Anna Caldwell\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Anna Caldwell\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/\"},\"author\":{\"name\":\"Anna Caldwell\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/005a43205b80afaeb9052301e7cc7256\"},\"headline\":\"Client Exclusive: Tracie H., A Former Operations Manager Finding Her Way Back to Financial Wellness\",\"datePublished\":\"2025-12-29T21:50:23+00:00\",\"dateModified\":\"2025-12-29T22:02:35+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/\"},\"wordCount\":499,\"publisher\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/BF_Client_Exclusive_Tracie_H_1225.jpg\",\"articleSection\":[\"Client Exclusive\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/\",\"url\":\"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/\",\"name\":\"Client Exclusive: Tracie H., A Former Operations Manager Finding Her Way Back to Financial Wellness - Beyond Finance\",\"isPartOf\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/BF_Client_Exclusive_Tracie_H_1225.jpg\",\"datePublished\":\"2025-12-29T21:50:23+00:00\",\"dateModified\":\"2025-12-29T22:02:35+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/#primaryimage\",\"url\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/BF_Client_Exclusive_Tracie_H_1225.jpg\",\"contentUrl\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/BF_Client_Exclusive_Tracie_H_1225.jpg\",\"width\":1536,\"height\":863},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.beyondfinance.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Client Exclusive: Tracie H., A Former Operations Manager Finding Her Way Back to Financial Wellness\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#website\",\"url\":\"https:\/\/www.beyondfinance.com\/blog\/\",\"name\":\"Beyond Finance\",\"description\":\"Moving Beyond Debt\",\"publisher\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.beyondfinance.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#organization\",\"name\":\"Beyond Finance Blog\",\"url\":\"https:\/\/www.beyondfinance.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2021\/07\/logo-a5030ff7f0cc0e8b6e87107311dd1205.png\",\"contentUrl\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2021\/07\/logo-a5030ff7f0cc0e8b6e87107311dd1205.png\",\"width\":105,\"height\":27,\"caption\":\"Beyond Finance Blog\"},\"image\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/005a43205b80afaeb9052301e7cc7256\",\"name\":\"Anna Caldwell\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/41ff669dc39671814f7d15db3f2276fa7181c511c979ef0580bd047014448470?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/41ff669dc39671814f7d15db3f2276fa7181c511c979ef0580bd047014448470?s=96&d=mm&r=g\",\"caption\":\"Anna Caldwell\"},\"description\":\"Anna Caldwell, IAPDA-Certified Debt Specialist Senior Financial Wellness Writer, Beyond Finance Anna Caldwell is a Chicago-based personal finance writer and IAPDA-certified debt specialist with over 14 years of experience in digital marketing and content writing, including nearly six years at Beyond Finance. She specializes in consumer debt solutions, the emotional and psychological dimensions of financial hardship, and translating complex financial concepts into clear, actionable guidance. Her work has been featured in AOL, MSN, Yahoo Finance, Newsweek, and Benzinga, among others.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/annakathryncaldwell\/\"],\"url\":\"https:\/\/www.beyondfinance.com\/blog\/author\/acaldwell\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Client Exclusive: Tracie H., A Former Operations Manager Finding Her Way Back to Financial Wellness - Beyond Finance","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/","og_locale":"en_US","og_type":"article","og_title":"Client Exclusive: Tracie H., A Former Operations Manager Finding Her Way Back to Financial Wellness - Beyond Finance","og_description":"See how Tracie reduced financial stress and saved $929 a month through a Beyond Finance debt consolidation program.","og_url":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/","og_site_name":"Beyond Finance","article_published_time":"2025-12-29T21:50:23+00:00","article_modified_time":"2025-12-29T22:02:35+00:00","og_image":[{"width":1536,"height":863,"url":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/BF_Client_Exclusive_Tracie_H_1225.jpg","type":"image\/jpeg"}],"author":"Anna Caldwell","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Anna Caldwell","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/#article","isPartOf":{"@id":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/"},"author":{"name":"Anna Caldwell","@id":"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/005a43205b80afaeb9052301e7cc7256"},"headline":"Client Exclusive: Tracie H., A Former Operations Manager Finding Her Way Back to Financial Wellness","datePublished":"2025-12-29T21:50:23+00:00","dateModified":"2025-12-29T22:02:35+00:00","mainEntityOfPage":{"@id":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/"},"wordCount":499,"publisher":{"@id":"https:\/\/www.beyondfinance.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/#primaryimage"},"thumbnailUrl":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/BF_Client_Exclusive_Tracie_H_1225.jpg","articleSection":["Client Exclusive"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/","url":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/","name":"Client Exclusive: Tracie H., A Former Operations Manager Finding Her Way Back to Financial Wellness - Beyond Finance","isPartOf":{"@id":"https:\/\/www.beyondfinance.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/#primaryimage"},"image":{"@id":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/#primaryimage"},"thumbnailUrl":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/BF_Client_Exclusive_Tracie_H_1225.jpg","datePublished":"2025-12-29T21:50:23+00:00","dateModified":"2025-12-29T22:02:35+00:00","breadcrumb":{"@id":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/#primaryimage","url":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/BF_Client_Exclusive_Tracie_H_1225.jpg","contentUrl":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/BF_Client_Exclusive_Tracie_H_1225.jpg","width":1536,"height":863},{"@type":"BreadcrumbList","@id":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-tracie-h-a-former-operations-manager-finding-her-way-back-to-financial-wellness\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.beyondfinance.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Client Exclusive: Tracie H., A Former Operations Manager Finding Her Way Back to Financial Wellness"}]},{"@type":"WebSite","@id":"https:\/\/www.beyondfinance.com\/blog\/#website","url":"https:\/\/www.beyondfinance.com\/blog\/","name":"Beyond Finance","description":"Moving Beyond Debt","publisher":{"@id":"https:\/\/www.beyondfinance.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.beyondfinance.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.beyondfinance.com\/blog\/#organization","name":"Beyond Finance Blog","url":"https:\/\/www.beyondfinance.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2021\/07\/logo-a5030ff7f0cc0e8b6e87107311dd1205.png","contentUrl":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2021\/07\/logo-a5030ff7f0cc0e8b6e87107311dd1205.png","width":105,"height":27,"caption":"Beyond Finance Blog"},"image":{"@id":"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/005a43205b80afaeb9052301e7cc7256","name":"Anna Caldwell","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/41ff669dc39671814f7d15db3f2276fa7181c511c979ef0580bd047014448470?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/41ff669dc39671814f7d15db3f2276fa7181c511c979ef0580bd047014448470?s=96&d=mm&r=g","caption":"Anna Caldwell"},"description":"Anna Caldwell, IAPDA-Certified Debt Specialist Senior Financial Wellness Writer, Beyond Finance Anna Caldwell is a Chicago-based personal finance writer and IAPDA-certified debt specialist with over 14 years of experience in digital marketing and content writing, including nearly six years at Beyond Finance. She specializes in consumer debt solutions, the emotional and psychological dimensions of financial hardship, and translating complex financial concepts into clear, actionable guidance. Her work has been featured in AOL, MSN, Yahoo Finance, Newsweek, and Benzinga, among others.","sameAs":["https:\/\/www.linkedin.com\/in\/annakathryncaldwell\/"],"url":"https:\/\/www.beyondfinance.com\/blog\/author\/acaldwell\/"}]}},"taxonomy_info":{"category":[{"value":163,"label":"Client Exclusive"}]},"featured_image_src_large":["https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/BF_Client_Exclusive_Tracie_H_1225-1024x575.jpg",1024,575,true],"author_info":{"display_name":"Anna Caldwell","author_link":"https:\/\/www.beyondfinance.com\/blog\/author\/acaldwell\/"},"comment_info":0,"category_info":[{"term_id":163,"name":"Client Exclusive","slug":"client-exclusive","term_group":0,"term_taxonomy_id":163,"taxonomy":"category","description":"","parent":0,"count":64,"filter":"raw","cat_ID":163,"category_count":64,"category_description":"","cat_name":"Client Exclusive","category_nicename":"client-exclusive","category_parent":0}],"tag_info":false,"jetpack_featured_media_url":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/12\/BF_Client_Exclusive_Tracie_H_1225.jpg","_links":{"self":[{"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/posts\/5516","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/comments?post=5516"}],"version-history":[{"count":0,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/posts\/5516\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/media\/5518"}],"wp:attachment":[{"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/media?parent=5516"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/categories?post=5516"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/tags?post=5516"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}