Spend money without worrying about bills

You make too much money on paper to be this stressed.

Your taxes say you make “enough” money–whatever that means to you. And yet…when your friends suggest going out to that cool winery, you say “sure!” and feel a pit in your stomach. You realize it’s February and you have to sign the kids up for summer camps and anxiously check to see how much you’re expecting to make in the next few weeks. Can you pay cash or does it have to go on the credit card again this year? Your income maybe unpredictable, but that doesn’t mean we can’t plan.

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How Coaching Works

Budget templates and programs are great...except when they're not designed for your situation

  • We’ll build a spending plan that is made for your variable income. Some months, your income will more than cover expenses. Others, it may not. But that’s ok!
  • We’ll plan ahead so that when you have higher income months, you know what to do with that money–be it save for expenses OR spend on fun.
  • We’ll set up systems so maintaining the plan feels doable and not like a pain.
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How Coaching Works

Families that experience income volatility—whether a gain or loss—report lower financial well-being and less savings than those with stable income.

When you can count a direct deposit of $6,127 every month, it’s a lot easier to pinch pennies a bit more one month to pay for something unexpected. You know that income will be there the next month, and the next month, and every month after that. If you make $4000 one week, and then nothing for three weeks, and then $7000 the next week, and then nothing for a month (or even $5,593 one month and then $6,324 the next), it can feel a lot hard to plan ahead or adjust to the curveballs that life throws at us. You can’t just “set it and forget it” with a transfer of $300/month into savings because some months that might not make sense! Instead, we’ll come up with a plan so that when that money hits your account, you can easily put it where it needs to be and set it aside for what needs to be set aside, and then go on with your life, confident that your bills can be paid and fun can be had.