Money doesn’t have to be a struggle and a stressor in life -- that’s why I became a financial coach.

Often, we think we’re in control of our money. Our habits and lifestyle seem easy to sustain, giving the impression that all is well. We make a good income and we work hard. We deserve to have nice things, eat out, and make purchases whenever we want -- because we believe we can.

And yet, we have no idea we are struggling financially. We don’t track our spending or budget our income. We don’t know where our money is going and as a result, go deeper and deeper into debt and never get ahead because of continual fees.

And even once we become aware that we’re struggling, we’re seemingly unable to make those necessary changes on our own. We try to budget, yet nothing helps us to get ahead.


I’ve been in this position.

My husband and I both worked full time. We didn’t exactly budget, but I was aware of the money in our checking accounts. After our first daughter was born, I was unable to find work for a few months. I thought that we were budgeting, but I didn’t exactly track where our money was going or where we were spending it. We never did anything frivolous. Yet somehow, we could never seem to get ahead.

One day, we heard a financial expert speak on budgeting and overcoming debt. He had so many insights and tips that I was unaware of, and I immediately knew it was time to get my own financial situation in gear. I decided to do the work necessary to learn how to control my money instead of feeling like it controlled me. We started learning more and more about finances and budgeting, and got really focused on changing our situation and paying off all of our debt.

We learned that only using cash was not our friend. We learned that even though we “set a budget”, we still didn’t know where our money was going. We learned an entire new way of budgeting, assigning every single dollar a job. We could see exactly where every dollar was going now -- not just where we thought it was going.


We became more aware of our money: both our spending and our savings. We no longer lived on the credit card float (which, by the way, we didn’t even know existed). And it felt amazing every time a debt was paid off -- there goes one school loan, then another, then a car loan. We ended up being able to pay off all of our debt except for our mortgage.

All of that stress was taken off of our shoulders.
All of the wondering if we can pay our bills was gone.

So let me ask you:

Do you have a clear picture of what your finances look like? Sure, you may know you have a checking account with $100, $5,000 or maybe $20,000 in it. But until you break that money down to see where it needs to go, you’ll overspend.

How much of that needs to pay bills? Your mortgage? Your loans? Are you able to tell me exactly how much you spend each year on groceries, shelter, transportation, necessities, dining out, or even frivolous spending?

I can tell you that. I can tell you exactly how much I spend on just about anything.

Money doesn’t have to be stressful, it doesn’t have to be complicated. YOU are in control of your money and your future, not the other way around.

I have been in your shoes. I know what it is like to be overwhelmed, stressed out, frustrated, concerned, or even oblivious to it all. So sure that you are doing it right and you will be just fine, or that you can make changes. You don’t need help, you’ve got this.

The truth of the matter is, everyone could use help.

Help to open your eyes to see your spending, your truthful spending. Help to make changes in your habits. The accountability to guide you and keep you on track.

I had no idea until it was almost too late. We almost got sucked into the lifestyle of the world we live in. Consumerism. Keeping up with the Joneses.

Don’t wait until it’s too late. You don’t have to let the stress of money and finances rule your life. You can make the change today -- and I can help.