consequences of my previous financial decisions. I used a budget but to find ways to spend all of our income! When I got divorced we had no savings and a share custody of my 2 little kids. I took some "brilliant" decisions not thinking of the consequences, of course:
I was getting by but life happened along the crisis of 2008 and lost my job. After 10 months without finding work, not paying my mortgage, and maxing out my credit cards I had to file for bankruptcy and lost our home. It hurts so much to remember hiding my desperation in front of my kids.
My parents never talked to me about managing money, neither at school. Once I got my first job as technical support engineer of satellite networks I enjoyed buying many things, I had some money for the first time I was going to enjoy it! But starting my financial life accumulating debt was not wise. Then, I got caught up with life not pausing to create my financial life plan. Got married, kids, and trouble.
The bankruptcy (chapter 7) was traumatizing for me, my ego and for my credit score, but was an opportunity to restart my life with zero debt. I was not going to put up my kids through that ever again so I developed a budgeting tool to use my income wisely ensuring a positive balance on my checking account every month. I built a comfortable life, enjoying vacations with my kids, bringing my nephews and mother along, catch up with savings for my 2 sons in-state college, payoff my car, having big parties with my friends and attending at least once a month with my sons to a show, ballet or concert. Now I am catching up with savings for my retirement and to buy a home.
But life keeps happening, my kids' dad passed away in 2019. Besides the pain, we lost some income but we also learnt to be resilient in our personal affairs and finances. In 2020 Covid-19 put us in lockdown with loss of income, stressful times for all but having my emergency fund gives me the peace of mind I need to wake up every day motivated to create a system and strategies within Living Prosperity to help you all live in prosperity and health without financial stress!
My sons are now 22 and 19 years old, I coached them to configure their financial life plan and I am so proud that both are using my forecasting tool to control their money consistently and successfully. They know for how long they will be living with me to save enough to buy an apartment with the best interest rate keeping enough savings for emergencies.
Money does not buy happiness but knowing how to spend it with a purpose makes you feel in control, takes away the stress and gives you the financial freedom to make the choices that allow you to enjoy life.
I have a passion for learning, immense curiosity about how humans and nature function and, I wish you do not have to live with money anxiety. I am an expert in consultative sales with a degree in Engineering (Electronics) along with 10 years managing my finances using a Cash Flow Forecasting tool of my creation, over 300hr of training on personal finances, coaching techniques and behavioral psychology.
Let me help you get unstuck with your finances. I can teach you the strategies that will resonate with your personal values and specific situation during my Financial Coaching Program -Empower Me! . I would love to guide you in your journey to build the life you crave.
It's about being in control of your day-to-day finances, feeling satisfied not overly stressed and having the financial freedom to make choices that allow you to enjoy life.
Personal cash flow measures your cash inflows (money you earn) and your cash outflows (money you spend) to determine if you have a positive or negative net cash flow.
You might relate if growing up you did not get clear strategies to handle money or save or the tools to analyze your financial outlook and take decisions. Earning your income is not simple, if you do not manage it well, mistakes can be done, debt could increase considerably sabotaging your dreams and retiring comfortably is at risk.
Join our Financial Coaching Programs and we will guide you to forecast your cash flow using a simple and practical budget aligned with a plan to get you out of/or avoid debt and achieve the life you crave; soon you will see results: less stress, financial freedom to make choices that allow you to enjoy life, better relationships, increase concentration and productivity at work and realistically be able to have a comfortable life in prosperity. Our approach is proven to work for over 10 years.
We aspire to improve our community by empowering people to take control of their money, without the anxiety of living in scarcity, to live happier in prosperity.