This is what a real money turnaround looks like.
It's messy. It's hard. And it's the most powerful thing you'll ever do for your future.
When she came to me, she was already two months into a dangerous cycle.
She was spending $500 more than she made every month, overdrafting her account, and starting each month already in the hole.
And this wasn't because she didn't make money.
She made a good salary.
But debt payments were swallowing 45% of her take-home pay and her spending habits were pushing her toward bankruptcy as the only option.
She didn't want bankruptcy.
She wanted a way out.
Our first meeting was about facing the numbers.
We pulled every expense into a Google Sheet to make a budget. Her debt was so overwhelming that we had to create an entirely separate tab just for her 24 credit cards.
We nailed down exactly what her fixed expenses were, including debt and coaching and trimmed her flexible spending so she could hit break-even for the first time in months.
Then, we committed to meeting every single week.
Because when you're building a habit you've never learned before, every week matters.
Change requires consistency, accountability, and support and without it, old habits take over fast.
Weekly check-ins are where the plan becomes real life.
I've reworked her spending plan (aka budget) numerous times as I get new information, and I'm committed to helping her find a way to dig out.
Honestly, I'm glad we started when we did. A few months later, the monthly overspending could have snowballed beyond repair, making it nearly impossible for her to dig out.
The results speak for themselves:
In just 30 days
We ended the cycle of negative balances and overdraft fees
In the first 60 days
Paid off 3 credit cards and 2 buy-now-pay-later accounts
Reduced her monthly debt payments by $846
Dramatically cut her eating-out spending
Stopped opening new buy-now-pay-later accounts
Started bringing in extra cash by doing Grubhub a few times a month, adding $100+ toward debt payments
Digging out of paycheck-to-paycheck living and massive debt is hard.
But with the right system, accountability, and a plan that actually fits your life it's possible.
I won't lie and say it's easy.
But I can tell you this: it's worth it.
She's not just changing her present.
She's changing her entire financial future.
I take my commitment to my clients' transformation seriously — so seriously that my program comes with a 100% money-back guarantee.
That's why I only work with people I know I can help.
If we decide to work together, I'm all in on helping you create the financial turnaround you've been dreaming of.
Because of the depth of this work, I only take 5 new clients a month.
If this feels like your moment, book your discovery call and let's talk.