It's time to change the way you're handling your
personal finances


Call us TODAY (910) 915-4611

Have you thought about your personal finances lately?



  • • Are you tired of living paycheck-to-paycheck?
  • • Does creating a monthly spending plan scare you?
  • • Would you like to find ways to save money for emergencies?
  • • Does looking at your credit report scare you?
  • • Are you totally dependent on credit cards?
  • • Would you like to increase your net worth?
  • • Do you need to understand the basics of personal finances?

You’re in the right place. Your finances CAN change for the better, one paycheck at a time. We’ll help you face the elephant in the room.




About Us



Personal Financial Change wants you to change how you view your personal finances. Whether you’re single, married, serving in the military, single parent, or dual parent, there’s a possibility that you may need help with understanding the basics of personal financial management. We would like to assist you.

From the experience and knowledge of our Founder, we understand the uniqueness that individuals face and there is no cookie cutter approach. If you have income, then you have to manage that income. Each individual’s financial situation and circumstances are unique. Like time, your money is valuable. We will assist you by showing you the internal controls you need to implement to ensure you and your family are prepared for the financial emergencies that WILL come. If you do not plan for financial emergencies, you WILL fail. We do not want you to fail.



Rachel Gerald, Founder



Financial Manager



Rachel Gerald is a personal finance money manager that is dedicated to helping people understand the importance of basic personal finance and becoming a better money manager. She is the co-owner of Personal Financial Change, LLC where she strives to help people change the way they handle their personal finances one paycheck at a time. Rachel overcame her own struggle with learning how to manage money and she has broken the generational curse of money mismanagement in her family.


She holds a business administration degree with a concentration of finances from the University of North Carolina Wilmington. Rachel graduated in December 2013 with ZERO student loan debt.


On March 13, 2015, Rachel completed one of her financial goals of paying off her consumer debt before she retired from the military. She paid off over $179,625. Her hard work, sacrifices, and determination truly paid off. Her new goal is to be completely debt free to include her house within the next eight years.


She enjoys empowering others to reach their personal finance goals. She also enjoys helping out in her community and is an active Board Member on two local nonprofit organizations.


Rachel retired from the United States Marine Corps as a Master Sergeant January 2017. She is a frequent speaker at municipal financial functions with the city of Jacksonville, NC and wherever she is called upon to share her message of financial change. Rachel currently resides in Jacksonville, North Carolina where she is a wife, mother, and grandmother.



Antonio Carter, Co-Founder



Financial Manager



Antonio Carter is a self-proclaimed crusader in financial knowledge. He is the co-owner of Personal Financial Change, LLC. He’s devoted to passing on financial literacy and teaching others to manage their finances. Antonio has an amazing rebound story to his life. He hit bottom and through following the principles that Personal Financial Change teaches he was able to turn his finances around


Antonio started his adult life like many other people in the world growing up not poor but didn’t get everything that he wanted. He wasn’t passed on any financial literacy before leaving the nest. So, when he was able to go out make purchases for himself, he went absolutely nuts. In 2001 he joined the United States Marine Corps and married his high school sweetheart. Before the end of 2002 as a Lance Corporal (E-3) he had two credit cards with $15,000 limits and that started about sixteen years of slowly digging a financial hole.


Antonio reached out to Rachel after seeing her on several media sources. Rachel introduced Antonio to proper money management and worked with Antonio to create a budget that he could follow. After grinding it out for a couple of years Antonio could see the light at the end of the tunnel. In the summer of 2019 Antonio was able to work his way to debt freedom...everything but the house. Antonio and his wife paid off just under $90k of debt.


Antonio lives in Clayton NC with his wife and 3 children. He’s currently consumer debt free and now working to pay off his family's home. He loves sharing the knowledge that he has learned with anyone that will listen. He leads a small group of people trying to work their way to debt freedom by being a truthful, caring accountability partner. With Rachel’s guidance he specializes in creating budgets and helping people work with what they have……..to get out of the mess they created.



Services.





Consultation Services



- Budget Setup (Monthly/Annual)

- Debt Payback Plan

- Credit Report Analysis

- Security Clearance Financial Review

- (3) Month Follow-Up Sessions

- (6) Month Follow-Up Sessions

- (12) Month Follow-Up Sessions



Consultation Methods



- Face-to-Face (Jacksonville, NC)

- Zoom Meeting

- Phone




Classes/Workshops/Seminars



- 30/45 Minute Financial Class

- 1 Hour Financial Class

- 2 Hour Financial Workshop

- 3 Hour Financial Seminar

- 4 Hour Financial Seminar



Courses



- Budget Workshop

- Debt Payback Workshop

- Asset Protection/Life Insurance

- Investing Basics

- Credit Report Workshop

​- Money Management Seminar



Submit a request below so we can create a service package for your needs.


[email protected]

As Featured On:



I am a single mother who works full time as a Clinical Medical Assistant. Over the years I have accumulated a mountain of debt. Even though I had money in the bank, as a single mother, I would try to hold on to the money I had saved up for security. I would use various credit cards and utilize them to pay for everything I needed. In addition to that, I purchased a new vehicle. In January 2018, the harsh realization that I had accumulated over $27,000 worth of debt became too overwhelming! There was no room for emotional peace in my life and I experienced many sleepless nights. I constantly prayed for God to relieve me of my debt.

In August 2018, I attended a Financial Peace University class facilitated by Rachel Gerald. It was at that moment I began my journey to becoming “debt free” and entering into “financial peace”. In September 2018, I completed Baby Step 1 by having an emergency startup fund. I’m currently on Baby Step 2 and I’m paying off all non-mortgage debt using the debt snowball and sticking to my monthly budget. It has definitely been a struggle remaining disciplined to my monthly budget. However, having Rachel as my financial manager and having a support system after FPU was over, I was able to pay off ALL my credit cards by January 2019.

As I approach my one year anniversary in starting my journey to financial peace, I have paid off a total debt of $15,557.86. The envelope system and monthly budget was the key to helping me stay disciplined and keeping track of my money. My decision to attend the Financial Peace University has by far been one of the best decisions I have ever made. I did not allow single motherhood to keep me from succeeding in this path. If anything, it fueled my motivation! As I continue my journey in becoming debt-free, I am able to “pay it forward” by sharing the knowledge I’ve gained and helping others who are on their path to financial freedom.



T. Q. Jacksonville, NC



“I am thankful for the knowledge that God has given Mrs. Rachel Gerald regarding stewardship over our finances. I had to be honest with myself about the choices I made about my finances. I needed to be accountable. I got tired of borrowing and still coming up short. So I asked for help. Rachel has taught me to ask questions, and to never stop at the first "no". I asked several of my credit card companies to reduce my APR, but all of them said "No". However, they did remove late fees and interest charges because I was persistent yet polite. My car insurance six month premium has been reduced by $240.00. This is just the beginning. I am on my way to becoming debt free and making my money work for me. Thank you Rachel for teaching me God's way of handling money.”



~ K.Tisdale Rockhill, South Carolina



“I just wanted to give you an update. Today I just paid off that stupid Pioneer loan and Firestone credit card that I had. All I owe now is two debts to Navy Federal. One is for $12k and the other around $5k. I still have another 6 months on the deployment. Therefore I should be debt free next time you see me. Again thank you for the assistance that you gave me concerning my financial situation.”



A. Wilson Camp Lejeune, North Carolina



“I am thankful for the knowledge that God has given Mrs. Rachel Gerald regarding stewardship over our finances. I had to be honest with myself about the choices I made about my finances. I needed to be accountable. I got tired of borrowing and still coming up short. So I asked for help. Rachel has taught me to ask questions, and to never stop at the first "no". I asked several of my credit card companies to reduce my APR, but all of them said "No". However, they did remove late fees and interest charges because I was persistent yet polite. My car insurance six month premium has been reduced by $240.00. This is just the beginning. I am on my way to becoming debt free and making my money work for me. Thank you Rachel for teaching me God's way of handling money.”



~ K.Tisdale Rockhill, South Carolina



“I just wanted to congratulate you on achieving such a tremendous milestone. I also want to say thank you for sharing your story with the world. I saw the article online with you and your beautiful kids and just had to reach out to you. My long term goal is to motivate and inspire young women to achieve greatness. There is a shortage of female role models but women like yourself give me hope that our youth have options on who they choose to look up too. No reality TV required.”



Maj S. King, 8TSC Support Operations



“I just read a story about you on Yahoo and it was an inspiration to see you not only work your way out of debt, but also set your children up for success by instilling the right spending habits and financial responsibility. Great Story, great Role Model, Great Marine!”



W. Burton Beaufort, South Carolina



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We are located in Jacksonville, North Carolina.
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