"I've learned the importance of consistently watching my expenses from month to month."
-Bernard Boulton
"Getting my finances in order seemd like a daunting task and i did not know where to begin, I was intimidated at just the thought of tracking my debt. VaRuva gave me the necessary support and education that i needed to stick to a budget and pay off my credit card debt while increasing my savings. She explained financial concepts that were unfamiliar to me and showed me different aproaches to save more money. I paid off all my credit card debt while working with VaRuva and my score went from 625 to 715!"
- Chantay Miller
VaRuva not only was very thorough in her explanation of the steps to take, she went above and beyond in dispensing what she knew when I booked her as a special guest teaching financial literacy education for my private Facebook group's webinar! I am still getting rave reviews and I have referred clients to her. More than that, for me personally, her advice has been priceless. She provided several little known tools that helped me in not only reaching some goals but increased my credit score! VaRuva is a hidden gem that needs to be exposed to the world.
-Pamela Brinkley
"The FLC services of PABS, LLC has made a difference in how I view and manage my personal finances. Through the coaching services that I received, I have learned to identify and resolve mischarges on accounts, evaluate credit reports and resolve discrepancies, and create a budget."
-Christine Lombard