Here we are ... the start of a new year and a new decade. While many are hitting the gym for a physical makeover, I'm still focused on the financial makeover.

I started this journey a few months back with the goal of getting my financial life together. By paying off debt and budgeting my spending, the changes are really making a difference! I'm loving seeing the credit score rise and the stress go down, and it got me to thinking. Why? Why was this journey so important? Of course nobody wants to be in debt or find themselves living paycheck-to-paycheck, but what was really driving me? For me, the answer was pretty clear.

Four years ago I went through divorce and moved from our home. With my youngest being the only one at home, and a senior in high school, I made the choice to move into an apartment. To be honest, I really didn't have much of a choice. I hadn't been working, I had no source of income, and bills were staring me. I also had a less than perfect credit score. In the past few years finding my "own place" has been a dream of mine, and one that seemed out of reach. Until now.

With the help of ELGA Credit Union I am on the way to my "why". By taking advantage of their savings plans, Financial Fitness classes, and more, my dream of owning my own home is something completely in reach.

So what's your "why"? Is it a new car, a dream vacation, or your child's education? ELGA Credit Union can help you plan to make your "why" happen. Give them a call at (810) 715-3542 or visit ELGACU.com.  Why wait?

More From Cars 108