Our expert coach makes it simple for you with 1-on-1 sessions and step by step guides to learn to be financially resilient.
We made budgeting easy, use our NEW tool to Forecast your Cash Flow and instantly free up money to pay off debt, save for a safety net and your future, fund your guilt-free spending and have peace.
What happens if you loose your home?
What are your biggest financial worries?
How much income you need to live comfortably in retirement? You have it?
What lifestyle would you like for you?
Can you handle a $1,647 emergency expense or sudden loss of income?
I will never forget the day I lost my job after the crisis of 2008. Like many hard-working people affected by the crisis I struggled, I could not find a job for almost a year!
Not only was I broke, but I had to max-out my credit cards and couldn't pay our home mortgage anymore. I felt terrible, especially when I was flooded by letters
I will never forget the day I lost my job after the crisis of 2008. Like many hard-working people affected by the crisis I struggled, I could not find a job for almost a year!
Not only was I broke, but I had to max-out my credit cards and couldn't pay our home mortgage anymore. I felt terrible, especially when I was flooded by letters and calls from the bank asking for payment. I ended up struggling to be fully there for my two little kids.
I did everything I could, but I was under so much pressure that although I found some information, it all seemed even more complicated.
Can you relate? When we are under pressure and stress, making decisions is harder and makes you feel worst because we cannot find a solution to our financial issues.
I was so lost, I wish someone could have shown me a way out. But I was alone worrying about money, so I ended up filing for a chapter 7 bankruptcy and our home was taken from us.
If I could not support my kids I could lose them, I had to recover! We had to downsize, learn to live below our means, and meeting our needs with plans to save for the future. I invested a lot of time educating myself to create a practical tool where I could plan my expenses and avoid debilitating debt .
Eventually I found a job and made
If I could not support my kids I could lose them, I had to recover! We had to downsize, learn to live below our means, and meeting our needs with plans to save for the future. I invested a lot of time educating myself to create a practical tool where I could plan my expenses and avoid debilitating debt .
Eventually I found a job and made myself use only cash to actually SEE when I could afford to spend. I regularly used a coupon book with labels to set aside cash for each of my expense categories including savings for bigger purchases. I could not wait to use a card responsibly to avoid touching money!
I took this idea to teach my kids how to budget, when they receive a gift in cash they allocate dollars for specific items that they want to buy, and save for a little gift for birthdays. Once I could, I gave them $15/mo and encouraged them to use this system.
I was still a mess inside, but I felt so hopeful knowing I could see where my money will take me.
It took time, patience, and consistent
self-development to learn to live debt-free.
I designed a system and a budget calculator spreadsheet to control my money, reduced the stress and constant worry, and helped me improve my life. Over the years I have refined my unique method of forecasting money to turn catastrophes into slight inconveniences.
Now I can not only afford to take my kids on vacation, but also some of my other relatives too.
It’s tough to enjoy life when you are always worried about money. But now since I always have enough to cover all my expenses by the 1st of every month, my bills are auto-debit, and I never pay late fees: I can have peace of mind!
I am always improving my money management system to be more assertive to reach my financial goals, and save m
It’s tough to enjoy life when you are always worried about money. But now since I always have enough to cover all my expenses by the 1st of every month, my bills are auto-debit, and I never pay late fees: I can have peace of mind!
I am always improving my money management system to be more assertive to reach my financial goals, and save me time and headaches so I can enjoy more time with my family. But I have a plan now, and the tenacity and self-motivation to achieve it.
Mentoring my sons with my new forecasting method gives me a sense of relief. I know that they are starting their new financial life armed with the knowledge, strategies and tools to live their lives with less worries.
I wish no one ever has to feel as lost, confused and alone as I used to feel. Overcoming a financial hardship has made me confident not just to face any future financial issue, but also gain resilience to recover from anything that life presents me.
I realize that the path to prosperity could take some time, but knowing you are not alone in your journey brings the confidence and reassurance necessary to build the life you crave. I would love to ride alongside and guide you to live in prosperity too.
We will help you talk with your partner about money without judgment to understand your money attitudes, priorities, and habits
that impact your future together so you can learn how to save money and achieve your common financial goals.
We will teach you to use our simplified Cash Flow Forecasting tool to redirect your spending to pay off debt or save for your goals and manage your personal finances easily.
We understand life happens. If you overspend, reassign money from one category to another to adjust your forecast.
A big investment requires considerable savings and good spending habits to get approval for a loan: We can help you plan for it!
Use our Cash Flow Forecast tool to reverse engineer how much you can really commit to pay and when, and to control your money to not fear losing your home.
Can you afford not to? And not have a clear path to get what you want and financial peace?
It is another expense right? True, but think of the great value for you and your dependents.
We will save you money from unexpected places including credit card interest. This is an investment that pays for itself.
Your life's prosperity is worth your time and dedication
Learn to forecast your cash flow, monitor your success, and have hope again.
We teach you saving strategies and progress tracking that will allow you not only save for the ring, but also for the wedding and your honeymoon, babies, college, your safety net, a car, travel, etc. and to contribute every month to your fun money fund.
We help you stay motivated and consistent to get the results that makes you feel in control and have peace of mind.
"I feel liberated, my yearly forecast allow me to save $3,500, pay my car in full freeing up $350 of cash flow every month. My goal now is to save to buy a home and live with less worry."
Bianca F. - 8/28/2020
22 year-old (50%) 23-38 year-old (74 %)
39-54 year-old (67%) 55 and up (67%)
People using a budget avoid problems making payments, paying excessive interest on credit cards and have practical plans to achieve their dreams!