Kristen Horler
c/o Inspiring Wellness LLC
8830 S Tamiami Trail Unit 100
Sarasota, FL 34238


8830 South Tamiami Trail Unit 100
Sarasota, FL, 34238
United States


Kristen Horler is a former pastry chef, turned fitness professional with a passion for food and fitness. In 2001, in an effort to spend time with her new baby and empower other new moms to get fit, Kristen developed Baby Boot Camp in San Francisco, CA. She now has over 100 franchised locations nationwide  and continues to pursue her passion of inspiring strong moms.


How to Eliminate Credit Cards

kristen horler

About six months ago I made a pretty big decision, a scary decision for me. But, I knew if I didn't do something dramatic, I wouldn't be able to create change in my life. I took my three credit cards and I put them in the shredder. These credit cards didn't have very high balances on their own, but when you put them all together there was definitely some interest that I was paying on a monthly basis. After reading a couple of books, I realized that we were not getting ahead as a family, because our focus was just trying to pay down our credit cards.

After shredding my credit cards, I no longer had the option to leisurely shop or spend money. I put myself on a budget and started living on cash. Once I shredded my credit cards, I aggressively worked to pay them down as quickly as possible. I have been using the envelope system, which stems from the concept of not only living on cash, but telling your money where to go. 

Every two weeks when I get paid, I evaluate my budget, my known expenses, and upcoming expenses for the rest of the month. This has had a significant impact on our family's financial future, and it's not something I intend on quitting anytime soon. As we continue to work on increasing our own income and multiple revenue streams, w are working towards increasing the amount of savings that we have, whether it's for our kids college or for some projects that we want to do on our house – regardless of the financial goal, we want to be able to cash flow our projects, rather than look towards taking out a loan or using a credit card.

This was definitely was not an easy transition for us to come together as a family. However, we have two teenagers and it's been very powerful in how we speak to our children about money. Our financial conversations have changed dramatically, in a very positive direction.

Watch this video to learn about my different envelopes and what I do when I get paid every two weeks.

 Books that inspired me to get started: