Senia and her small whānau moved to Ashburton, New Zealand, from Samoa back in 2010 and quietly began to take on consumer debt. Until one day, enough was enough, and some well-timed conversations about becoming debt-free coincided with her realising they were living paycheque to paycheque. This kicked off the process of paying off $70,000 in consumer debt and completely changing the future of her family.