Alright – so today we’ve got the honor of introducing you to Kelly Armstrong. We think you’ll enjoy our conversation, we’ve shared it below.
Hi Kelly, thanks for joining us today. We’d love to have you retell us the story behind how you came up with the idea for your business, I think our audience would really enjoy hearing the backstory.
I am an entrepreneur by trade. I have been in several different MLM companies. One I got myself over $30K in debt. I had to learn how to get myself out of this hugh debt. I started reading several different books to help me understand more about finances and credit. I also took the Dave Rampsey course. I began to work his snow ball recommendation and I slowly started seeing my debt being eliminated. I was also bettering my credit along the way. Then I noticed people started asking me to help them with their finances. I was doing it for free and then I joined another MLM company who works on credit. A friend of mine asked me why don’t I create my own company instead of working for another MLM company since I always had a passion to own my own business. So, I worked with him as a consultant and we worked to create Be Whole Financial as a financial company where we help our clients get out of the credit (financial) hole inorder to Be Whole.
Kelly, before we move on to more of these sorts of questions, can you take some time to bring our readers up to speed on you and what you do?
I have a BS in mathematics. I love seeing people get homes, cars and loans without hearing the word denied due to their credit or financial circumstances. Since I got myself in debt, I know what it feels like to be swimming under water trying to float just to breath for another month. We provide not only our credit repair services, but we help educate our clients on how credit works so they can understand exactly what to do so after they stop working with us, they can still continue on with their positive journey. We meet with our clients on a monthly basis for updates and we also help with creating a budget, debt elimination, and filling out student loan forms for REHAB or IDR programs.
Have you ever had to pivot?
I am a caregiver for both of my parents. It can be exhausting some days and all you want to do is fall in the bed and rest after a long day of providing care. I have learned with running a business in these circumstances that you can’t do it by yourself. In order to be successful, get help! So my pivot in my business is get as much help as I can because I can’t do it all by myself.
How did you put together the initial capital you needed to start your business?
Starting a credit repair business does not require a lot of initial capital because as long as you have a computer, phone, and printer; it can be done anywhere. I love the fact I don’t have to have brick and mortal expenses. I can run this business anywhere I’m at as long as I have a computer and internet. The initial capital came out of my pocket. I was and still am willing to invest in myself and my business. I have not had to take out a loan or borrow to run this business. I use the funds I make to keep the business going and their are times, I have to pull from my personal account. I am looking for grant options that could possibly help with marketing dollars but have not found one yet.
Contact Info:
- Website: www.bewholefinancial.com
- Instagram: https://www.instagram.com/bewholefinancial/
- Facebook: Be Whole Financial Enterprise LLC
– I also have a facebook group called Credit Education - Linkedin: https://www.linkedin.com/in/bewholefinancial/
- Youtube: https://www.youtube.com/@kellyarmstrong7916
Image Credits
OCCAM – Compliance Organization Liscensed and Bonded in the state of Ohio