Welcome to the Spending Plan Coach!
Do you make a decent living but it seems like you're not making financial progress? Do you need a little help getting or staying on track? The Spending Plan Coach can help you develop a plan for your money to help you get out of debt and reach your financial goals.
Are you ready to make a change?
Debt End Date
Do you know when all your debt will be paid off? We will help you calculate your debt free date and discuss the trade-offs when unexpected expenses occur.
Plan Your Spending
There should be a plan for every dollar you earn. We will help you develop a realistic plan for your money that will help you achieve your future goals while still enjoying life now.
Goals
Does your current spending align with your goals? We will talk about your financial goals and help you get there with monthly check-ins.
Philosophy
You work hard to earn your money, let us show you how to plan for life’s events, achieve your financial goals and pay off debt while still enjoying life.
Providing guidance to help you create your unique financial road map and fostering good financial habits.
Debt Repayment Method - Snowball vs. Avalanche?
In general, I recommend avalanche but it depends on the person.
The avalanche debt payoff method pays the debt with the highest interest first regardless of the balance while the snowball method pays debt from smallest to largest regardless of interest rate. While the avalanche method results in paying the lowest overall interest costs, maybe you need a quick win or two to reinforce the plan.
Have More Options with your Money
With money comes choices. While the lack of money often leaves few choices. Let's discuss and prioritize yours so your choices align with your goals and contribute to your joy and contentment.
Testimonials
I didn’t realize just how much your encouragement helped me stay on track! Just knowing that I had a coach holding me accountable helped me make smarter financial decisions and stay the course when I felt like my progress wasn’t noteworthy.
- Winnie Q., North Carolina
We are now held accountable for our financial actions and that makes us want to make better decisions. It feels great to make a decision and run it by you and you approve. It shows growth and power over our financial situation.
- Kel H., North Carolina
