Gemma had felt alone her entire life.

Trapped in thousands of dollars’ worth of debt, Gemma took on midnight shifts at work just to get by - but that took her further away from time with her son and left her feeling stuck in a never-ending cycle.

One day Gemma heard about CAP from a co-worker - who also happened to be a CAP Debt Coach - and that one conversation led her to discover so much more than freedom from debt.

Watch the video below and hear Gemma tell her incredible story of what happened when God reached into her life... and transformed everything.

Want more? Check out Gemma's tips for how to find riches in things that are free, and ways to teach tamariki the value of money.