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Debt Solutions

How Achieve MoLO is helping my family save for our dream vacation

May 18, 2023

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Written by

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A year ago, the idea of planning a dream family vacation seemed so out of reach. Now, that idea has become a reality. During the pandemic, my husband got laid off from work, and on top of that he got really sick. As a result, we lost our place, and we fell into about $20,000 worth of debt from medical bills. With the help of an Achieve personal loan, we were able to consolidate our debt and get it under control.

Fast forward to today. After three very challenging years of living in an RV, and slowly but surely rebuilding our lives, we were able to purchase our first home. It’s a dream come true for us, and if we can do it, so can you. 

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I was looking for an app to help me manage my finances, and I found that the Achieve MOLO app is so much more than that. Achieve MoLO is a free app that helps you gain insight into your spending habits—so you can see money left over each month in your bank account.

I love that this app keeps me very aware of my money. A few years ago, it was hard to even look at my bank accounts, because there was never any money left over after paying bills. Now we are getting creative so that we can get back to saving for our vacation, and staying on track financially. I have to remind myself that saving is just as exciting as spending. I love that with Achieve MoLO, I get to see exactly where my money is going.  

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My family of six wants to go to Walt Disney World® at the end of the year, and one of my goals is to save enough money for a memorable trip. This is something we have wanted to do for a few years but have not been able to because of lack of finances.  My 4-year-old is thrilled about meeting all of the princesses, and my 12-year-old wants to visit the Animal Kingdom. We’re planning to visit all 4 parks, so I want to save enough money so we can enjoy 1 full day at each park. 

This trip will be amazing because it’s a testament and celebration of my family battling obstacles and supporting each other through it all to come out on the other side. Now, we’re going to celebrate and create new memories at the happiest place on Earth.

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Using the Achieve MOLO app is simple and straightforward. By tracking your expenses, creating a budget, and setting financial goals, you can manage your finances more effectively and avoid overspending. The Achieve MOLO app is highly customizable, easy to use, and can sync with your bank account.

Download Achieve MoLO and try it for yourself. I’m really glad that I did. 

Achieve MoLO is now available in both the Apple App Store® and Google Play Store.

 

*Tamara Campbell has been an Achieve member since 2021. She lives with her husband and two kids in Las Vegas. She is a Finance coach and Life and Annuity expert, but in her spare time she loves going for walks and reading.


Author Information

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Written by

Achieve writer.

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Reviewed by

Natasha is Achieve’s Director of Social and Community. For over 10 years, she has built communities across social media and blogs through enriching storytelling that helps brands deepen connections with consumers.

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Financial solutions are offered by affiliates of Achieve.com (NMLS ID #138464) or their service providers. Terms and conditions apply. Not all solutions are available in each state.

Personal loans are available through our affiliate Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 8.99% to 29.99% and include applicable origination fees that vary from 1.99% to 6.99%. Repayment periods range from 24 to 60 months. Example loan: four-year $20,000 loan with an origination fee of 6.99%, a rate of 15.49%, and corresponding APR of 19.54%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to pay off qualifying existing debt directly; or showing proof of sufficient retirement savings, could help you also qualify for lower rates. Funding time periods are estimates and can vary for each loan request. Same day decisions assume a completed application with all required supporting documentation submitted early enough on a day that our offices are open. Achieve Personal Loans hours are Monday-Friday 6am-8pm MST, and Saturday-Sunday 7am-4pm MST. $6,000 savings: Average savings claim for personal loans are based on 2023 data for 2, 3, and 4-year terms on funded debt consolidation loans for $21,600. Savings will vary based on several factors, subject to credit approval and other conditions. Any savings will be reflected in the offer.

Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Monthly savings claim is based on average monthly debt savings from originated loans for 2023. Monthly savings varies based on each loan situation and can be more or less than $800.

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Resolution is available through our affiliate Achieve Resolution (NMLS ID # 1248929). All estimates for Achieve Resolution’s services are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all Achieve Resolution clients are able to complete their program for various reasons, including their ability to save sufficient funds. Achieve Resolution does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. Achieve Resolution does not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Achieve Resolution’s services are not available in all states, including New Jersey, and their fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of Achieve Resolution services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements Achieve Resolution obtained on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825.

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