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EDITOR’S NOTE:  Mariza and Geffrey Gordon are among a handful of participants selected to work one-on-one with a financial expert for CNN’s Savings Challenge. This story was originally featured in the Savings Challenge newsletter, which you can sign up for here.

Being able to clear their credit card debts thanks to a modest inheritance was a gift for Mariza and Geffrey Gordon.

And it boosted their credit scores by more than 100 points to roughly 750.

But that alone will not remedy their financial situation of living paycheck to paycheck and not having enough saved for emergencies. A more permanent fix will involve changing their money habits.