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Dollars Up, Debts Down

Holly’s back y’all! If you missed highlights from Holly’s first session, you can check them out here.


Since our last session, Holly launched a new initiative, Dollars Up, Debts Down; a virtual accountability group designed to help individuals take back control of their financial wellness.


And since I am ALL about financial wellness, I had her come back to give us the skinny.


Check out what she’s been up to…


RI: Tell us more about Dollars Up, Debts Down: A 90 Day Challenge.

Holly: Dollars Up, Debts Down is a platform to encourage, inspire and motivate people to take control of their financial wellness. The 90 Day Challenge was initiated via Facebook due to its immediate reach.  Whether your goal is to save money or eliminate debt, this challenge is a launching pad toward financial freedom.  The principles to achieve financial goals are typically the same. You must be committed, consistent, and steadfast.  Dollars Up, Debts Down will serve as an online accountability community.  It will be informative and filled with the testimonies of those who come along for this potentially life-changing challenge.


RI: What inspired you to start this group?

Holly: My personal conviction to be a better steward of what God has blessed me with was the primary source of inspiration.  I accomplished a significant personal goal earlier this year by wiping out all of my consumer debt (with my mortgage being the exception).  No car payment and no credit card debt.  I have been blessed to be consumer debt-free twice in my life and there is a sense of freedom, weightlessness and JOY that comes along with it.  I want everyone I know to experience it and make it a lifestyle.


RI: What do you intend for people to get out of participating in the Dollars Up, Debts Down Challenge?

Holly: I fully expect all participants to achieve a financial victory.  Some wins will be bigger than others, but a win is a win.

Progress is progress, and that’s what I want for every participant. I plan to share techniques, tips, articles, links, quotes, scriptures, and statistics all to assist, inspire and motivate people to achieve their financial goals.





RI: What would be the first steps you would recommend for people who are ready to tackle their debt?

Holly: For any financial goal, I would recommend people to WRITE IT DOWN, make it S.M.A.R.T (Specific, Measurable, Attainable, Realistic and Timely)

read it aloud and revisit the written goal at least weekly.   If feasible, share your goal(s) and your progress with a trusted friend.

If you are looking for a source of encouragement and accountability, they should join the Dollars Up, Debts Down: 90 Day Challenge via Facebook and post their goal.

Take a moment and gain clarity on WHY debts should be reduced or savings increased.

Is to conquer the fear of managing money? Is it to buy a house? Create an inheritance for family?

Once you have your WHY, you have your reason to keep pushing when perceived obstacles attempt to test your commitment.


RI: What resources would you recommend to help others become better Stewards of their money?

Holly: There are so many resources and organized programs to turn to for help, but the first resource I would recommend is the Holy Bible.  There are over 250 scriptures and several parables on the subject of money. The premise of being a good STEWARD, lies on the foundation that everything belongs to God (Psalms 24:1).  With so many resources online, I’d encourage people to start looking for the things that work best for them and consider seeking professional assistance to meet and exceed their specific goals.





RI: How can people get involved?

Holly:  I encourage people to join the movement!  Decide to be a good steward, set a concrete goal and take action!  I will be there to encourage you along the way!

Thessalonians 5:11: “Therefore encourage one another and build each other up, just as in fact you are doing.”




Want to get in on the action? Join the group on Facebook: Dollars Up, Debts Down: 90 Day Challenge.

Holly, Thanks for inspiring us to take back control of our finances and our future!


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October 26, 2012 - 8:34 pm

Delphine Claggion - I am very proud of the young lady who started this initiative. As a Baby Boomer looking forward to retirement, it is very helpful in reducing my debts. The biblical references gives me spiritual strength to stay on task. Thanks Holly!

October 29, 2012 - 9:46 pm

Holly Reid - Ebony aka Rae Images – thanks so much for shining your light (and your camera) on this 90 Day Challenge. I am excited about what God WILL do in the lives of those who accept the charge to be better stewards.

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