Coaching begins with a 1-1/2 to 2 hr. working session, followed by additional sessions,  phone and email contact as needed for six months. 

During your first working session, we'll look at all aspects of your financial life: income, debt, monthly expenses, insurance coverage, utility costs, spending, etc.  Together, we'll design your working budget "telling every dollar where to go - on paper, on purpose - before the pay period begins". Personal finance is said to be 80% behavior and only 20% numbers, and you will learn that there is a huge difference in planning your spending vs. tracking it! 

I am a "hands-on" coach in that I meet with my clients a minimum of once a month.  Initially, particularly for those in need of encouragement & accountability, or if you're in a crisis situation, I may suggest that you meet with me at each pay period.  During the weeks we do not meet, I ask my clients to check in with a weekly progress report via email.  For the first 3 months, I will create your budget with your input . . . teaching you what, why, and how this is done.  During the last 3 months, you will create your own budget each month and meet with me for supervision and discussion. 

So, three months of me doing it with your input, and three months of you doing it with my supervision.  Our goal is that at the end of your six months, while you may or may not be debt free, you will 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, and most importantly, to become the best steward of your resources, in order to get out of debt and progress to the more exciting steps of personal finance - Building Wealth and Giving!

The money part of what I teach is simple.  Changing one's behavior with money is, by far, the hard part.  You will learn to make your money work for YOU rather than having it all committed to working for someone else, to be able to cash-flow a lot of your dreams,  to have much less anxiety about finances.  Behavior changes are paramount. They are more important than dollar amounts, number crunching, and what step one is on. This isn't just about paying off debts. It is a commitment to living outside cultural norms and following the road less traveled.  (Today's *normal* is being in debt, spending more than you make, not saving).

You will learn how to develop a plan and identify long term goals.  You will learn how to take control, make use of a budget and better behaviors to exercise that control and reach long term goals.  Your long term goals start moving closer and closer the more you work the plan.

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