The most helpful part of this program for me was being given advice from an actual person who I could talk oneoone about my situation! It's great because it gives you someone there when things get stressful or confusing in your life. This also helps keep track of all appointments/appointments set up so far etc., which can be very time consuming if done manually (which we did). There were times where our appointment would not show as booked even though they said everything looked fine - but maybe just due to timing? Not sure how often these issues happen since its been over 6 months now using them however sometimes scheduling gets pushed back by several days at random moments without explanation why. Sometimes having reminders sent via email works better than getting texts too depending what day it happens during weekdays vs weekends. We used savology primarily for help setting goals around budgeting money.