Svetlana R.

From Crystal

When Svetlana came to me with her money challenges, including above-average credit card debt, the idea of budgeting felt overwhelming to her. Her husband was eager for them to create a budget so they could get on the same page about their finances, but Svetlana didn’t feel ready. Adding to the challenge, they both had inconsistent paychecks, and like many people in similar situations, she believed a budget wasn’t possible without steady income.

The truth is, everyone needs a budget—especially those with inconsistent income. Knowing your expenses provides a clear plan for how much you need to earn. So, we created a budget together. The initial setup took just 30 minutes, and we met two more times to compare her estimates with her actual spending and make adjustments.

Svetlana later told me what so many of my clients say: ‘I was making budgeting into this really big and scary thing, but the reality is, it’s so easy.’ It felt easy because we worked on it together. By allowing me—an expert—to guide her, Svetlana fast-tracked her way to financial clarity and empowerment.

Today, her budget has completely transformed her outlook on money and her relationship with her husband. This kind of transformation is possible for you too!

A.W.

“Thank you so much! You put my head and mind on the right path in these perilous times.“

From Crystal:

This client is navigating a divorce and taking sole custody of her two young children—a significant life change that left her feeling overwhelmed and uncertain about her financial future. She came to me without a clear understanding of her expenses or what it would truly cost to raise her kids on her own. To complicate matters, she had randomly estimated a number for child support without a solid foundation to back it up.

In just one hour, we worked together to carefully examine her numbers and build a realistic budget that accounted for all her children’s needs. What we discovered was eye-opening: she needed twice the amount she had originally thought. Without this work, she would have been newly divorced, a single mom unable to pay her bills each month, and launched into debt. Instead, she now has the clarity and confidence to advocate for the financial support she truly needs to care for her family.

This wasn’t just a budgeting exercise—it was a life-changing experience. That one hour prevented her from starting this new chapter in financial distress and gave her a plan to create stability and security for her family. She now has the tools and knowledge to move forward without the looming fear of financial shortfalls.

This is the power of financial coaching. It’s not just about numbers; it’s about transforming lives. By addressing her financial reality head-on, this client is stepping into her new life with strength and clarity, ensuring her children’s needs are met and avoiding the cycle of debt. These moments of transformation are why I do what I do—to help people reclaim control over their financial futures and build lives of confidence, stability, and hope.