Who here has started from scratch?
Fort Worth, TX · Member since 2015 · 76 posts · 13 votes
Who here has started from scratch?
Most Popular Reply
Investor · Sherman Oaks, CA · Member since 2008 · 6k+ posts · 3k+ votes
10yI found my "REI teacher" by crying my eyes out in a bar...
Here is my personal story.
I was in a bar, and I just lost my job.I am 56 now, but at the time I was 25, fresh out of the US Marines.The year was 1984.Interest rates were high, over 10%.
At the bar was this smiling guy, and he said,
"Who just died?"
I looked at him.He must have smelled the self-pity on my face.
Here is what just happened to me.
I worked for a small firm in Constriction Engineering Products, Johnson Controls, that sold air and water control equipment to large apartment and commercial building contractors. My math and science background helped me.
But the "J O B" paid $400 a week and was an advance on future commissions. I had over $10K in commissions due to me, and asked my boss for my commissions to be paid now.He laughed, and said I would get paid when he got paid.
I got in an argument with him and he fired me.
So, back to the bar....
this guy at the bar said to me,
"Tough break.What are you gonna do now?"
"Look for work I guess," I replied.
So he says, "You like real estate?"You like solving problems for people?"
I was taken aback by that comment. Was this guy trying to hire me or what?
I smiled, and asked him, "are you looking hire someone?"
He chuckled, and said, "Well, I'm always looking for great salespeople that hustle."
Here's what happened. The man's name was Glenn, and he owned a real estate investment company.
He never called it a real estate investment company, he called " a place where we solve problems for people."
The thing that was amazing about Glenn as he knew a little bit about everything and I mean everything.
He knew about business, legal issues, tax issues, marketing, sales, promotion, networking, and most importantly he knew about people (psychology).
The first thing he did was tell me that I have two ears and one mouth, and I should listen more than I talk.
Second thing he did was have me read "How to Win Friends and Influence People" by Dale Carnegie.
Then he taught me how to set appointments with home sellers, go out to their home, and write up a "letter of intent to purchase or lease".
He said to me, "your job is to bring me potential home sellers who will consider a creative offer."
I was very confused the first few months working there. I did not know what a wraparound mortgage was, or a "subject to" was, or what "subordinating notes" was, or what a "lease option assignment" was..
So I stumbled along.
What allowed me succeed was Glenn had an awesome direct mail marketing machine, and even had an appointment setter just for me, so all I needed to do was just get in my car and go talk to 3 to 4 sellers everyday.
I'd use the same presentation with everyone.
And my goal would be to get them all signed onto a "letter of intent to buy for cash or on terms."
One of the things Glenn told me was
"some will, some won't, so what!"
What that means is that
some sellers will do what you want to them to do, and some will not.
The law of large numbers cures all problems.
What surprised me even more is that some sellers would call the office, in 3 to 6 to even 12 months later, because they appreciated my first meeting with them.
Especially some sellers that were very angry with me in the beginning, called me names, said things like "you just try to rip me off!!"
In my first six months I must have seen 20 people a week, 80 a people month, almost 500 people in that six months. I think we did three to eight houses a month grossing between $5-$10,000 per house, and I didn't make that money, Glenn the Owner did.
The arrangement for payment for me was I would make $500 net cash every week, that's cash. No benefits and no 401(k). Was it legal, I don't know. I didn't own the business. I was hired hand.
After a few months, Glen said
"you're do a good job keep it up. I'm going to give you a few more duties.I want to be able to travel so you can run the office while I'm gone."
I was scared at first, having never run a business. I liked the security of a paycheck.
But I loved being able to make decisions, being the captain of my own ship.
I think what made me more pissed off than anything though was making $500 a week, and making bank deposits of 10,000, 20,000, even 30,000 a week.
So after 2 1/5 years of making $500 a week cash, and living frugally, I said the following to Glenn,
"Glenn, I've "I learned so much here. You taught me about sellers, buyers, legal, tax, marketing, there is no way I could have learned this in school.
"I saved up some money and start my office. I wont compete with you. I'd like to give you four weeks notice."
Glenn leaned back in his swivel chair, smiled and said,
"Brian, you're almost irreplaceable here. You came to me knowing nothing and now you know everything you need to know. You never asked for a raise or a partnership stake in the business.
I can honestly say that without you over the last two and half years I would not have made the kind of money that I have. I have two things to say to you before you go onto greener pastures."
My God I was really nervous. What was Glenn going on to say?
"The first I want to ask you is, what took you so long?"
Then he laughed.
"I expected you to hang in there for about six months and move on.
You're really smart and you should have started your own business long ago."
"The second thing I want to tell you is I'm going to give you a bonus, (he takes out his checkbook, and writes this check out) "and I don't want you to look at it until you sit down to car and drive away, deal?"
I said, "deal!"
I got to my car, exhale, and take the check out of my pocket.
It was for $15,000.00.
Back in 1985 that was a lot of money.
In the memo I remember what was written,
"for my good friend Brian."
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With everything I learned over that 2 1/2 years, it didn't take me long to be a profitable new business.
I got a modest office space, with neighbors that were white-collar professionals, an attorney and a CPA.
I had a secretary-phone answerer part-time for 3 months, then full time.
And though Glenn even took I had left, he took me to lunch every week, said he missed me.
That first REI business was very special to me.
I have had several businesses since then, but that first one was my favorite.
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My wish for all that reads this is I hope you find your "Glenn" and you bust your tail working and reading. And learning. And implementing.
103 Replies
- Investor · Brazil, IN · Member since 2015 · 24 posts · 33 votes10y
Originally posted by @Donald Dienst:
Originally posted by @Brian Hunt:
We started out with nothing and have most of it left.
This line cracks me up. It is like something WC Fields would say or something from that era.
That is very Dave Ramsey-esque. He's been a big influence in me changing my life around for the better.
- Waterville, ME · Member since 2015 · 269 posts · 53 votes10y
i loved your story @David Dey and @Brian Gibbons.
- Real Estate Broker · Indianapolis, IN · Member since 2014 · 3k+ posts · 2k+ votes10y
I started with -600.
I put 600 on a CC that I couldn't afford to pay off! That 600 went to marketing some Yellow Letters. I got my first 10k pay check from that mail 30 days later. Not saying it's super fiscally responsible but it worked for me!
- Investor, Contractor, Appraiser for Real Estate Appraiser · Lexington, KY · Member since 2015 · 70 posts · 35 votes10y
The overwhelming majority of people start from scratch. The other 1% don't need to invest anyway. To start with no money wholesaling is the name of the game. Become the best wholesaler in your area and you will get invaluable experience without needing any money to begin and you can start tomorrow with bandit signs. I Buy Houses, Close in 3 days, Cash, No Commisions. This way you will not be using your money and have no exposure to risk. Thanks for the past and have a great evening!
- Real Estate Investor · Milford, NE · Member since 2011 · 201 posts · 140 votes10y
I did.
- Home Inspector · Brodhead, WI · Member since 2014 · 14 posts · 6 votes10y
In 2013 I started out with no money. I had a ton of equity in my home, however. I got a line of credit and used that and a home depot card to purchase and rehab a home. Then refinanced my money back out. I have since done that 3 more times.
- Developer · Garland, TX · Member since 2008 · 8k+ posts · 4k+ votes10y
Originally posted by @Perry Ivy:
Steven McPherson I started with less than nothing twice. The first was growing up in the ghettos with only a single mom as a parent. Not much to eat, utilities constantly being cut off, ect... I battled through that and put my self in a position to win. Then at 21 I had a major surgery that left me unable to walk, nearly blind, deaf in one ear, a facial paralysis and medical bills that exceeded 600k. At this point I was broke, homeless, disabled, terrible credit, ect... Now through the grace of God and hard work, I own multiple properties(some paid off), I have plenty of money, I'm able to function again, life is good!!
Wow, Perry, how did you get out of that hole?
- Developer · Garland, TX · Member since 2008 · 8k+ posts · 4k+ votes10y
Originally posted by @Annette A.:
i loved your story @David Dey and @Brian Gibbons.
Agree, both stories are inspirational!
- Investor · Corona, CA · Member since 2014 · 746 posts · 372 votes10y
Originally posted by @Jim Pellerin:
I have started my Lease Option business in 2 cities, both with no money.
1. Go to all the FSBOs sites and Classified sites to find a motivated seller.
2. Do a paper assessment and put their property under contract. Phone call only.
3. Post the property for Lease Option/RTO/Lease Purchase, whatever you want to call it, on a free classified site.
4. Tenant buyers fills out application on line. I evaluate the tenant. Never show a property unless they qualify.
5. Get my realtor to show the property to prospective tenant buyers.
6. Realtor executes contracts with tenant and collects $10,000.
In fact, that's how I do all my transactions. You have heard the expression OPM (Other people's money). I like to also leverage other people's time ... OPT. So whether it's a realtor or a birdogger or a commissioned salesperson, I don't pay anything until I get money.
When you do this, are you taking the property under contract to buy or as a lease option from the seller as well? If the tenant you find wants to buy the property, do you do a double close during your lease option time with seller? I'd like to learn more about this process as I have some opportunities for this currently.
- Developer · Garland, TX · Member since 2008 · 8k+ posts · 4k+ votes10y
Originally posted by @Brie Schmidt:
@David Dey - In my opinion it is all about the sacrifices. Do I want to retire at 35? Yes! Well then I can't be drinking non-fat soy mocha double shot with foam drinks that cost $5 a pop.
Sounds like $7. I bet @Brandon Turner knows.
- Real Estate Consultant · USA · Member since 2014 · 1k+ posts · 751 votes10y
Originally posted by @Jacqueline Carrington:
Originally posted by @Jim Pellerin:
I have started my Lease Option business in 2 cities, both with no money.
1. Go to all the FSBOs sites and Classified sites to find a motivated seller.
2. Do a paper assessment and put their property under contract. Phone call only.
3. Post the property for Lease Option/RTO/Lease Purchase, whatever you want to call it, on a free classified site.
4. Tenant buyers fills out application on line. I evaluate the tenant. Never show a property unless they qualify.
5. Get my realtor to show the property to prospective tenant buyers.
6. Realtor executes contracts with tenant and collects $10,000.
In fact, that's how I do all my transactions. You have heard the expression OPM (Other people's money). I like to also leverage other people's time ... OPT. So whether it's a realtor or a birdogger or a commissioned salesperson, I don't pay anything until I get money.
When you do this, are you taking the property under contract to buy or as a lease option from the seller as well? If the tenant you find wants to buy the property, do you do a double close during your lease option time with seller? I'd like to learn more about this process as I have some opportunities for this currently.
There many ways you can do this. I use to do a sandwich lease. Then at closing, I have done a double close. But that's messy and some banks don't like it. So I have just assigned the contract for my interest. And you can assign you contract with the tenant to the seller or vice versa. But I stopped all that. Too much paper work.
Now what I do is setup a lease and an agreement of purchase and sale (APS) with the seller and the tenant buyer directly for a deferred closing. All the details of the deposits / credits are outlined in the APS and they are not called credits. I have a joint venture agreement or a property management agreement with the seller for my portion of the deal.
- Investor · Riverside, CA · Member since 2011 · 2k+ posts · 3k+ votes10y
I was renting an overpriced apartment and decided it was time to buy a house. Oh, I also didn't have a job. But, it was 2001 and lenders didn't care if you had income or not. I borrowed $10K from my gram and another $10K from my mother-in-law and bought my first home. I eventually got a job, the market caught on fire and prices went through the roof, I got a HELOC on my house and started using that money to bank roll rental acquisitions.
So yeah, I had less than scratch. Guess if you have nothing to lose, there ain't no sense not to take a gamble.
- Realtor · Schaumburg, IL · Member since 2011 · 289 posts · 118 votes10y
Originally posted by @Steven McPherson:
Just a question for other BP members: who all on this board have started their RE business from nothing? That means you had no money and no personal savings to put in to marketing, down payments, etc.
Follow-up question. If you were in this situation, how did you specifically start out?
Hi Steven- good question.
I personally started from nothing. I met the right people, got super excited, stayed enthusiastic, and listened to the people who were doing the business I wanted to do, too. So, how did I do it? 1.) DECIDED this is what I wanted to do with my life 2.) Took self inventory of where I was, where I wanted to be, and what I needed to do to get there 3.) I prioritized my finances by eliminating consumer debt 4.) determined I needed savings to get out on my own so that I could commit to my dream - I did anything and everything I could to save up at least 6 months worth of living expenses (I actually saved up 8) 5.) during saving time, I was told to become a real estate agent so I studied and got my license 6.) Once I got my license and had living reserves, I quit my job and went out on my own. 7.) learned the market I was in by learning about the rental market and was able to determine what was desirable and what wasn't 8.) I found people who could help me along the way, and thats when I met some private lenders. The rest is history. It took years to get started, it doesn't happen over night. Good luck.
- Rental Property Investor · Rockford, IL · Member since 2014 · 4k+ posts · 2k+ votes10y
@Brian Gibbons posted:
"I liked the security of a paycheck."Of course, we've all learned by now that "security" and "paycheck" in the same sentence nowadays constitutes an oxymoron. The only security we have now is found between our own ears.
Thank you for that story, Brian. It closely reflects a thought I had when I first connected with my current group about how they could not just make extravagant statements but actually "walk the talk".
To the OP's point however, let me re-interpret the "myth" for you:
Yes, it takes money to do just about anything.
The point is that it doesn't necessarily have to be YOUR money.
As long you have some other value to bring to the table, thru networking and relationship building you'll be able to gather folks around you who have an abundance of money but a dearth of what you have to bring to the deal, whether that be time, effort, knowledge, or some other item(s) of value. It's why wholesaling works, and why private lending sometimes can get you "in the door" with no credit and no out-of-pocket.
- Rental Property Investor · Rockford, IL · Member since 2014 · 4k+ posts · 2k+ votes10y
Originally posted by @Ryan Dossey:
I started with -600.
I put 600 on a CC that I couldn't afford to pay off! That 600 went to marketing some Yellow Letters. I got my first 10k pay check from that mail 30 days later. Not saying it's super fiscally responsible but it worked for me!
Entrepreneurship is about risk - choosing which risks to take, and which to avoid.
Sometimes we choose wrong, sometimes - like you - we choose right.
Education makes a large difference.
- 10yJay HinrichsBusiness MemberReal Estate Consultant · Summerlin, NV · Member since 2014 · 45k+ posts · 66k+ votes
my parents let me live at home for free if I would study and get my RE license I as tired of pumping gas and bagging groceries for 2 bucks an hour.
got said license at 18... and never looked back.. have been in business through some interesting time... uber high interest rates 18 to 20% 1989 to 1991 crash in SF bay area ( regional event but a crash all the same) Dot com bubble but that one was not bad.
then the mother of all crash's 08 to 2010... did not get wiped out but darn near .. set back 10 years.. now 5 years after that disaster back to about 50% of where I was in 07.. but much happier .. gone is my HML company and 20 employees.... now its just me and my hand picked group of investors doing what I do best and that is finding good RE talent an helping them make a lot of money... Plus building homes this is new for me been doing it 3 years and I like it some days hate it others but all an all.. things are looking up. I keep my RE brokers license in case I need to make commissions some day.. and my NMLS license is one Ice but I keep up with CE incase I want to start a HML shop again.. etc etc.
- Investor, Coach, Consultant · Redondo Beach, CA · Member since 2015 · 18 posts · 5 votes10y
It will take me a few hours and a bunch of edits to tell my story, so here is a short Quick reply, i started real estate straight out of high school,in the toughest parts of south central Los Angeles no car no money i will say this if you learn how to communicate and talk to sellers in a humble sincere effective manner you will be surprised what a seller will be willing to do to sell their home to you, in my experience it is not who offers the most money it is who makes the seller feel more comfortable, im refereeing to FSBO's, reo's etc was not popular back then but foreclosures were on fire, i was pretty good at talking and adapting to homeowners in distressed i'm very big on what i call the "like factor" so i was able to arrange terms that some of you would not believe me if i wrote it in a post, my point is yes you can buy with zero money (if you have the knowledge and know how) it is several ways to get a deal done when you have no money. I will also say this and my experienced investors that really buy a lot will agree with this, if you get a really good deal that money can be made off of, then getting the money for that deal will be the least of your concerns, i do not mean marginal deals where you search for the highest comp. to make it work i mean a good profitable deal, please forgive all my typos.
- Round Rock, TX · Member since 2015 · 35 posts · 4 votes10y
Many of the "from scratch" success stories I read require a Glenn or Walter in their lives. So my question is how does one make those kind of contacts in today's world? Especially someone like me starting with no contacts in the REI world and little to no experience other than a few books and a background in construction.
- Rental Property Investor · East Wenatchee, WA · Member since 2014 · 10k+ posts · 16k+ votes10y
Thanks for all your great stories! Like @Brian Gibbons (your story was awesome!) I too started in the Marines, poor logging kid when the mills closed. Nowhere else to go. Hard to spend money from a fox hole thru 3 campaigns. Saved a couple bucks and bought first primary when I had a w-2 a few years later. Got a HELOC on that. The day after that funded, I quit, 'sold' my house on a LO and moved 3 states away to do REI.
BP has opened my eyes a lot these past 15 months I've been on here. Never thought I would source someone else's rehab funding and get paid for that. Never thought to look at my leads a bit closer to see who else it could work for if not me. Didn't even think to ask before. As @Aaron Mazzrillosays - money earns you interest, knowledge earns you profit. Never realized that - so thanks, Aaron! My network here at BP and at home has grown to where I never really thought it could. Thank you for your stories and for just being there. You all are inspirational!
- Developer · Fresno, CA · Member since 2015 · 5 posts · 1 vote10y
Originally posted by @Brian Gibbons:
I found my "REI teacher" by crying my eyes out in a bar...
Here is my personal story.
I was in a bar, and I just lost my job.I am 56 now, but at the time I was 25, fresh out of the US Marines.The year was 1984.Interest rates were high, over 10%.
At the bar was this smiling guy, and he said,
"Who just died?"
I looked at him.He must have smelled the self-pity on my face.
Here is what just happened to me.
I worked for a small firm in Constriction Engineering Products, Johnson Controls, that sold air and water control equipment to large apartment and commercial building contractors. My math and science background helped me.
But the "J O B" paid $400 a week and was an advance on future commissions. I had over $10K in commissions due to me, and asked my boss for my commissions to be paid now.He laughed, and said I would get paid when he got paid.
I got in an argument with him and he fired me.
So, back to the bar....
this guy at the bar said to me,
"Tough break.What are you gonna do now?"
"Look for work I guess," I replied.
So he says, "You like real estate?"You like solving problems for people?"
I was taken aback by that comment. Was this guy trying to hire me or what?
I smiled, and asked him, "are you looking hire someone?"
He chuckled, and said, "Well, I'm always looking for great salespeople that hustle."
Here's what happened. The man's name was Glenn, and he owned a real estate investment company.
He never called it a real estate investment company, he called " a place where we solve problems for people."
The thing that was amazing about Glenn as he knew a little bit about everything and I mean everything.
He knew about business, legal issues, tax issues, marketing, sales, promotion, networking, and most importantly he knew about people (psychology).
The first thing he did was tell me that I have two ears and one mouth, and I should listen more than I talk.
Second thing he did was have me read "How to Win Friends and Influence People" by Dale Carnegie.
Then he taught me how to set appointments with home sellers, go out to their home, and write up a "letter of intent to purchase or lease".
He said to me, "your job is to bring me potential home sellers who will consider a creative offer."
I was very confused the first few months working there. I did not know what a wraparound mortgage was, or a "subject to" was, or what "subordinating notes" was, or what a "lease option assignment" was..
So I stumbled along.
What allowed me succeed was Glenn had an awesome direct mail marketing machine, and even had an appointment setter just for me, so all I needed to do was just get in my car and go talk to 3 to 4 sellers everyday.
I'd use the same presentation with everyone.
And my goal would be to get them all signed onto a "letter of intent to buy for cash or on terms."
One of the things Glenn told me was
"some will, some won't, so what!"
What that means is that
some sellers will do what you want to them to do, and some will not.
The law of large numbers cures all problems.
What surprised me even more is that some sellers would call the office, in 3 to 6 to even 12 months later, because they appreciated my first meeting with them.
Especially some sellers that were very angry with me in the beginning, called me names, said things like "you just try to rip me off!!"
In my first six months I must have seen 20 people a week, 80 a people month, almost 500 people in that six months. I think we did three to eight houses a month grossing between $5-$10,000 per house, and I didn't make that money, Glenn the Owner did.
The arrangement for payment for me was I would make $500 net cash every week, that's cash. No benefits and no 401(k). Was it legal, I don't know. I didn't own the business. I was hired hand.
After a few months, Glen said
"you're do a good job keep it up. I'm going to give you a few more duties.I want to be able to travel so you can run the office while I'm gone."
I was scared at first, having never run a business. I liked the security of a paycheck.
But I loved being able to make decisions, being the captain of my own ship.
I think what made me more pissed off than anything though was making $500 a week, and making bank deposits of 10,000, 20,000, even 30,000 a week.
So after 2 1/5 years of making $500 a week cash, and living frugally, I said the following to Glenn,
"Glenn, I've "I learned so much here. You taught me about sellers, buyers, legal, tax, marketing, there is no way I could have learned this in school.
"I saved up some money and start my office. I wont compete with you. I'd like to give you four weeks notice."
Glenn leaned back in his swivel chair, smiled and said,
"Brian, you're almost irreplaceable here. You came to me knowing nothing and now you know everything you need to know. You never asked for a raise or a partnership stake in the business.
I can honestly say that without you over the last two and half years I would not have made the kind of money that I have. I have two things to say to you before you go onto greener pastures."
My God I was really nervous. What was Glenn going on to say?
"The first I want to ask you is, what took you so long?"
Then he laughed.
"I expected you to hang in there for about six months and move on.
You're really smart and you should have started your own business long ago."
"The second thing I want to tell you is I'm going to give you a bonus, (he takes out his checkbook, and writes this check out) "and I don't want you to look at it until you sit down to car and drive away, deal?"
I said, "deal!"
I got to my car, exhale, and take the check out of my pocket.
It was for $15,000.00.
Back in 1985 that was a lot of money.
In the memo I remember what was written,
"for my good friend Brian."
```````````````````````````````````````````
With everything I learned over that 2 1/2 years, it didn't take me long to be a profitable new business.
I got a modest office space, with neighbors that were white-collar professionals, an attorney and a CPA.
I had a secretary-phone answerer part-time for 3 months, then full time.
And though Glenn even took I had left, he took me to lunch every week, said he missed me.
That first REI business was very special to me.
I have had several businesses since then, but that first one was my favorite.
````````````````````````````````````````````
My wish for all that reads this is I hope you find your "Glenn" and you bust your tail working and reading. And learning. And implementing.
This is my favorite thing I have read on Bp thus far. Very motivating and very inspirational. Being a senior at Usc majoring in real estate development and coming from no money and with a father in a wheelchair, I can really appreciate this personal story.
Thank you again,
-Blake
- Investor · Kannapolis, NC · Member since 2015 · 14 posts · 2 votes10y
Thanks for sharing these great stories. I am just starting out, I have a little savings and I am looking for my first deal. These stories are helping me push through this fear of the unknown.
- Investor · Columbia, MO · Member since 2015 · 27 posts · 25 votes10y
I started from scratch during college about 12 years ago. I was renting a duplex with a couple friends, and after a year I convinced my parents that they should buy a small house, let me fix it up and manage it while I lived there with my friends, and let us pay them rent rather than some LL. So I found a realtor, looked at around 20 houses, and found one that was in a so-so area that we could move into, but needed a lot of work. Over the next couple years I spent a lot of time fixing things up and learning the ins and outs. When we graduated I stayed there with a couple new roommates until I could save enough to buy one on my own. My home town bank was willing to help me with 10% down since I found a fixer-upper under market value. So I moved my room mates with me, rented parents house out, and still manage it free of charge for them since they helped me out so much. From there I would buy another every couple years. About 5 years ago I switched to another local bank that is much more investor friendly, and that is when it really took off for me. I wish I could have found them years ago.
- Investor · Sherman Oaks, CA · Member since 2008 · 6k+ posts · 3k+ votes10y
Originally posted by @James Lindsey:
Many of the "from scratch" success stories I read require a Glenn or Walter in their lives. So my question is how does one make those kind of contacts in today's world? Especially someone like me starting with no contacts in the REI world and little to no experience other than a few books and a background in construction.
Hi James,
Start with awesome Marketing TX teachers. Get your sales license. Learn a listing presentation. Learn wrap around mortgages. Learn Sub2.
- Rental Property Investor · Gainesville, FL · Member since 2015 · 1k+ posts · 432 votes10y
Originally posted by @Brie Schmidt:
While I bought my first property about 4 years ago, I "started" about a year before that. I used Mint.com to see where our money was going. From there I set a budget for us to live off of and allow us to save money. We paid off credit cards, saved up the rest, and bought our first property with a FHA loan and 3.5% down
Brie,
I read through the mint site. Did you use all the features and if so what did you like best, least? Are you still using mint? Thanks
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