Work With Me

Coaching begins with a two hour session, followed by additional sessions, phone and email support for 6 - 12 months. During your coaching sessions, I will look at all aspects of your finances: income, debt, monthly expenses, insurance coverage, utility costs, spending, etc. Personal finance is said to be 80% behavior and only 20% knowledge of numbers. You will learn that there is a huge difference in planning your spending vs. tracking it! I will work together to:

• Identify what areas of your finances you are managing well
• Determine what areas need work
• Design your working budget "telling every dollar where to go - on paper, on purpose - before the month begins."

I meet regularly with clients. In addition, clients check in with email progress reports. For the first several months, I will generate your budget with your input ... teaching you what, why, and how. During the last few months, you will create your own budget each month and meet with me for discussion and review.

The goal of financial coaching is to have a solid plan, and the knowledge and tools to carry on. You will have learned how to maximize your resources, and reduce or eliminate unnecessary spending in order to live on less than you make. Most importantly, you will become the best steward of your resources, and progress to the more exciting steps of personal finance: saving, investing, and giving!

The money part of what I teach is simple. Changing one's behavior with money is, no doubt, the hard part. You will learn to make your money work for you rather than having it all committed elsewhere, to be able to cash-flow your dreams, and to have much less anxiety about finances. Behavior changes are paramount. They are more important than dollar amounts and number crunching. This isn't just about paying off debt. It is more a commitment to living outside cultural norms and following the road less traveled. (Today's *normal* is to be in debt, to spend more than you make, and to not save). You will learn how to develop a plan and identify short and long term goals. You will learn how to take control of your greatest asset: your income; make use of a budget, with better behaviors to exercise that control and work toward your goals. Achievement of your goals will quickly move closer, the more you work your plan.

There is one caveat: You must be motivated to learn and to change. If you want to improve your finances, the answers I offer will work.

Let's talk!