When you become more intentional with your spending, you begin to build trust in yourself as you take back control of your finances. 

These 3 questions will help you turn your IMPULSE buys into INTENTIONAL purchases.

Before you get to the checkout, stop. Then ask yourself:

1. Did I plan to buy this when I woke up this morning?
2. Will this add value and joy to my life?
3. Will I still feel good about buying this in 1 day/week/month?

If the answer to ANY of these questions is ‘no’…

Put the item back on the shelf (or close your browser).

Promise yourself: “If I wake up tomorrow and I still want to spend my money on this, I will.” 

And if you wake up the next day still wanting to buy it… you HAVE to honor the promise you made to yourself. 

So that you don’t feel restricted and you learn to trust yourself.

In time, this new money mindset will become second nature, and you’ll feel SO much better and more confident about your spending decisions.

If you’re asking yourself similar questions about getting financial coaching and you’re still on the fence – this is a GOOD thing!

Because the women who get the most out of my coaching programs are usually the ones who have the MOST questions in the beginning.

Here are the most common questions and doubts that come up:

“I’ve tried budgeting before and I just don’t think it will work for me.” 

First, let me start by saying that change is possible for EVERYONE.

Second, not a single one of my coaching clients has told me they’re still struggling with money after completing my 90-day 1:1 financial coaching program. I am here to make sure we create a non-restrictive, values-based budget that works for you, that is easy to manage, and that you’ll WANT to stick to.

Finally, for every one of those 90 days, you’ll have me in your corner to support and encourage you and help you with any mindset blocks as you get used to your budget. 

We’ve GOT this! ✊

“I’m afraid I won’t be committed enough.”

Although our goal will be to create a budget you’ll want to stick to, it’s important that you feel ready to commit to it. This is why I ask all my clients on their discovery call:

• Where would you like to be with your finances at the end of this coaching program?
• On a scale of 1 to 10, how important is it for you to get to this place?

If you’re on at least an 8, that tells me that you’re ready and that you’re committed. And I’ll be there with you every step of the way with check-ins on your action steps to help you follow through.

“I don’t think I can afford coaching…”

So this is important: my coaching program is perfect for you if you have a steady stream of income. But it isn’t the right option for you if you don’t currently have a source of income.

Some coaching programs are upwards of 5 figures (I’ve had financial clients who come to me because they’re trying to pay these exact programs off!).
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That’s not what you’ll find here.
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The savings people make from coaching often more than cover the cost of the program, sometimes many times over. Like my client who was spending $7,000 a month and brought her monthly spending down to $4,000 a month by removing things she realized she didn’t care for (like subscriptions), reducing her eating out budget to what was actually meaningful and worth it, and getting rid of debt – her MONTHLY SAVINGS was worth MORE than 10x the value of one coaching session!

I do not want you to have to pay for coaching on a credit card. Because my goal is to help you pay down your debt, NOT cause you to go into more debt. 

If you have any questions about this, please reach out and we’ll discover the best option for you right now.

“My partner/spouse is skeptical about me spending money on coaching.”

I completely understand why you want to make sure your partner is on board before you invest in coaching. And I also understand why they want to be sure that investing in coaching is the right decision for you both.

So I’m going to tell you what I tell my clients who are in the same position. 

Write down three specific outcomes that you want to achieve through coaching. Then share these with your partner. This might be “I want to have $3,000 in savings by February” or “I want to have zero credit card debt by January 1.”

When your partner sees that you want to invest in coaching to work towards specific financial goals, they are more likely to be understanding and supportive.

“My partner struggles as much as I do with budgeting but is not on board with the idea of coaching.”

Even if just one of you gets started with budgeting, this is a fantastic first step to getting to a better place with your money.

On our discovery call, I will give you some tips on how to raise the subject of budgeting and coaching with your partner or spouse – they can even go through the program with you, or join for one of our sessions.

Throughout the program, I will then coach you on how to communicate with your partner or spouse so you can both get onto the same page with your finances.

“Budgeting sounds so boring and restrictive… I don’t want to stop living!”

I don’t want you to either! That’s why one of the first things we do is explore your values and the things that bring you joy in life. 

Once you’re clear on those, we set up a ‘fun money’ fund in your budget, which you’ll be free to spend on the things you love doing.

“With the holidays coming up, is this really a good time to start a budget?”

The holidays are actually the BEST reason to start a budget! You NEED to budget for the holidays so that you don’t end up overspending.

And so that you don’t start the new year with a ton of new debt on your credit cards. I’ll coach you on the best way to plan for the holidays in your budget.

I hope I have given you the answers you need to make the best choice for you now. 

And whether you decide to take the leap now, so you can budget for the holidays and hit the ground running with a financial plan in 2021…

…or you feel like now just isn’t the right time…

I will be here for you when you are ready.

Because even if you’ve been struggling with money, worrying about your debt, or feeling guilty and frustrated about not saving money for your financial goals…

…budgeting will only work if you feel ready to commit to it.

I will leave you with my client Hope’s* words (who told her incredible story in last Thursday’s email): 

“As many times as my family members had tried to help me get organized with my money, I just wasn’t ready.

But this year, there must have been something stirring inside of me.

Because I decided it was time, and I took the leap on March 1, 2020. 

And let me just say this: it changed my life!”

– Hope*, California

PS. I have just 2 spaces left for financial coaching in 2020. If you want to create a budget to help you plan for the holidays, now would be a GREAT time to get some extra support.

PPS. Trust your gut feeling. If you feel like you need support… you probably do ❤️