The MrHerrera web site is here to offer you encouragement and tools to help you achieve financial freedom. Read some of the older posts, download the budget forms, and give feedback. If you have a success story you’d like to share, submit it to me and I’ll post it. If this web site has proved useful to you, share that as well.

I have a BBA in Finance that I received back in 1981. I graduated without any student loan debt or any other debt. Yeah, I’m old. However, with age comes wisdom, right?  Anyway, I have never had credit card debt that I did not payoff when the bill was due or the next month. I am married and neither my husband nor I ever wanted to have debt. We own our home outright. We paid it off in 11 years.

I have worked as an Accounts Payable Clerk, as a Savings and Loan Examiner, a Tax Auditor for IRS, as Special Agent for IRS, DOJ, & DHS, from which I retired as a Supervisory Agent.

I lead financial freedom classes at our church. I counsel people individually on getting out-of-debt. Above all, I am Christian. I believe that God owns it all and we are His stewards. I hope that this site provides you with the information and tools you need to help you achieve financial freedom.