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How One Chime Member Used SpotMe1 to Grow Her Family by Four Paws

Chime® member Kristen is dedicated to family. Find out how SpotMe® helped her grow her family by four paws.

Chime Team • July 28, 2022

Family means everything to Chime member Kristen. She and her partner Cassie are on the path to becoming foster parents, they’ve taken in two of Kristen’s nieces, and they’ve rescued four adorable pit bulls to date.

Kristen’s dedication to her family stems from her mother’s love. Kristen’s past included a struggle with addiction, but her mother never gave up on her — and was there to bail her out every time.

Maybe that’s why Kristen and Cassie are so motivated to have a child of their own now. They’ve been shown so much love by the people in their lives, and now they’d like to pay it forward.

But as Kristen shared, getting pregnant is hard work. And as a lesbian couple, Kristen and Cassie are up against even more challenges and expenses.

Saving Up for a Miracle

Kristen and Cassie have worked hard to save the money they need to add a new member to their family, but having a child as a gay couple comes with a hefty price tag.

Kristen and Cassie Use Chime SpotMe to help save for a baby
Kristen (left) and Cassie (right) are constantly saving so they can have a child.

They’ve tried home insemination five times (about $5,000 overall) through Cryos International in Orange County, Florida. Each attempt has been costly, but Kristen hasn’t gotten pregnant yet.

“Each time, it’s been such a heartbreak,” she shared.

But Kristen remains optimistic. She and her partner are now saving to do IUI (intrauterine insemination) and hope that leads to success. “I know I’ll probably fall to the ground [when it happens],” she said. “I’ll be so ecstatic that I will probably pass out.”

Saving up for each try has been challenging, but for Kristen, it’s worth every literal penny. “To be honest with you, I would save every penny,” she explained. “I would save my jars of change. Even if I had an extra $5 from work because I’m a server … I would just put money away, every little chance I got.”

Family on Four Legs

While Kristen still hopes for the experience of having her own child, she has taken steps toward building her family in other ways over the years. For instance, she and Cassie have adopted four adorable rescue dogs that Kristen calls her “big babies”: McKenzie, Maddix, Malikhi, and, most recently, Xia.

My animals have been my saving grace,” Kristen shared. She was ecstatic to share some photos of her pups:

Chime member Kristen uses SpotMe to adopt a service dog
McKenzie is Kristen’s service dog.
Chime member Kristen uses SpotMe to adopt a service dog
Xia is the newest addition to Kristen’s family, courtesy of SpotMe.

Kristen is an advocate for rescuing dogs and used to volunteer at The Pittie Project in New Jersey (she has a soft spot for bully breeds). Now that she’s down in Florida, she volunteers at various Humane Societies. 

SpotMe Coming in Clutch

Earlier this year, when Kristen met Xia, she just knew that Xia would be the perfect addition to her family. The only problem? Kristen didn’t have the funds available to adopt Xia until her next paycheck.

Instead, Kristen was able to use SpotMe to adopt her newest fur baby: “I didn’t have money until the next pay period, so with Chime, they gave me the $200 max [SpotMe] limit. I was able to use that money to get her because she was $200 exactly, so it wound up working out perfectly. They were going to give the dog to somebody else … so it worked out because I couldn’t wait till next payday. So it came in clutch, like perfect timing.

Kristen calls herself an “OG Chime user” because she’s had her account since nearly the beginning. “I think Chime is awesome. I really do,” she said. “They’ve always had my back, even with the no-fee overdraft¹ — that’s amazing in itself.”

Did You Know:

SpotMe has a built-in tipping feature2. Tips are invested into the SpotMe service – your generosity helps keep SpotMe fee-free for other members. After you’ve repaid your negative balance, you’ll have a chance to leave a tip and help make stories like this possible for millions of members!

What It Means to Be Family

Talking with Kristen, you’d never know that she had once struggled with something so difficult. Today, she owns a home and a Mustang convertible, and she is one of the most positive, compassionate people you’ll meet. She radiates love and kindness; you can’t talk to her without smiling.

Kristen owes so much of her success to her mother and her grandmother. Back when Kristen struggled with addiction, they sacrificed their own home to bail Kristen out of jail.

And now Kristen is in a place financially where she can help her mom, who is sick, with her bills — a small token of her gratitude.

Chime member Kristen uses SpotMe to adopt a service dog
Kristen speaks highly of her mother, an amazing woman who has given so much to care for her family.

But Kristen looks out for more than just her mother. She has also gained custody of her five-year-old niece, Alisa, whom she raises with Cassie. With her mother and grandmother, Kristen and her partner also help take care of her 14-year-old niece, Andi.

Kristen continues to look for ways to open her heart and home to those in need. While she and Cassie are still trying to have their own child, they’re also applying to be foster parents.

The Journey Isn’t Over

Kristen and Cassie continue to focus on becoming mothers, both to their own biological child and as foster parents. But in many ways, they already are wonderful mothers — to their nieces and their rescue pups.

For Kristen, Chime has been one of many helpful resources in rebuilding her life and will continue to help as she takes these next financial steps to grow her family through IUI.

Learn more about how Chime features like SpotMe can help you as you work toward your own financial goals. And be on the lookout for another upcoming Member Story about Kristen’s journey to sobriety and financial stability.

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1 SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. SpotMe on Debit is an optional, no fee overdraft service attached to the Chime Checking Account available to qualifying members after Visa debit card activation. Both SpotMe on Credit and SpotMe on Debit are sometimes collectively referred to as "SpotMe" or, if you have signed up to use SpotMe with only one account, "SpotMe" means the elected service. To qualify for SpotMe, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account and/or Secured Deposit Account (associated with your Chime Credit Builder credit card) up to $20, but may be later eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe Debit Terms and Conditions and SpotMe on Credit Terms and Conditions.

2 Tipping or not tipping has no impact on your eligibility for SpotMe.

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