ErinSmith Operation Hope Financial Wellbeing Coach

1. Tell us about your role and the services you offer.

As a Financial Wellbeing Coach, I am dedicated to educating and supporting our community in achieving their financial and credit goals Through a combination of workshops and personalized oneon-one coaching sessions, I provide the tools and guidance necessary for financial success Many of my clients refer to me as their accountability partner, a testament to the trust and commitment we build together Our program has consistently delivered impressive results, including significant growth in savings, reduction in debt, and improvement in credit scores

2. How did you get started in your industry, and what inspired you to pursue this path?

With over a decade of experience in the banking industry, I discovered my true calling: helping people I noticed that many clients lacked essential knowledge about money management and credit This gap in financial education was something I personally experienced, having learned through trial and error My mission is to bridge this gap for others, helping them avoid the mistakes I made and empowering them to achieve financial success

3. What’s the most rewarding part of your work?

Celebrating every achievement, whether it's clients paying off debt, building their savings, transitioning out of homelessness, or purchasing their first home

4. What do you enjoy doing outside of your profession?

I have a passion for the outdoors, whether it's hiking, camping, gardening, or sitting in a hammock enjoying a good book.

5. What challenges have you overcome, and what has been your biggest successes?

My husband and I have diligently worked to achieve our current financial stability, though it hasn't been without its challenges We've faced payday loans, substantial credit card debt, and unhealthy spending habits However, through persistence, open communication, education, and support, we are only a few months away from eliminating our consumer debt and have bought and sold several properties!

6. What trends are you seeing in your industry that homeowners or homebuyers should be aware of?

We often assume that our health and jobs will be secure tomorrow, but there are no guarantees. Many of us rely too heavily on future paychecks, which can be uncertain

It's crucial to be mindful of our spending habits and avoid using credit cards or buy-now-pay-later services for unnecessary purchases. Additionally, we must plan for life's unexpected events to ensure financial stability.

7. How do your services support local homeowners, homebuyers, or real estate agents?

Approaching homeownership with a strong financial foundation such as a healthy relationship with money, a well-stocked savings account, and a high credit score sets any current or future homeowner up for success This not only alleviates financial stress, allowing you to focus on more important aspects of life, but also improves your chances of securing better interest rates and mortgage approvals