BIRMINGHAM, Ala. (WIAT) – A new year begins with new goals for teams that are participating in the eCO Savings Race. This week, we catch up with Team Davis.

With a fresh financial approach, Kathryn Davis is reflecting on the difference a year can make in her pursuit for debt-free spending.

“I don’t pray for payday. I’m prepared and there’s money set aside to where is there is an emergency, I do not have to go to my credit cards,” Davis said.

“She is learning to stick to the cash flow plan and really embrace the freedom that the cash flow plan provides you,” said eCO marketing manager Melissa Reeves.

According to her coach, the race is on as Davis sets high goals to achieve before April.

Davis says it’s important to educate yourself and make a plan.

“Without a plan, you’re not going to be able to improve your finances,” Davis said. “Each month I look at my budget probably ten times, maybe more, just to see where I am, and I even plan for the next month.”

Copyright 2015 WIAT 42 News