Budgeting didn’t work? You’re not alone.
Many of the people I work with have tried budgeting tools, apps, and spreadsheets—but still feel stuck.
That’s because financial coaching is more than just budgeting. A spreadsheet can’t fix what’s really going on with your money.
A lot of my financial coaching clients come to me after trying all the usual things.
They’ve created multiple budgets. They’ve downloaded the apps.
But they’re still stressed. Still running out of money between paychecks. Still wondering why they can’t seem to make progress.
That’s because budgeting is only one part of the picture.
When I first decided to become a financial coach, I thought I’d mostly be helping people make budgets.
And I do help with that—but it turns out the real transformation goes far beyond the numbers.
Financial Coaching Is More Than Budgeting
Financial coaching is about creating a plan that works in your real life.
We look at your income, your spending, your habits, your goals, and everything in between.
We figure out what’s getting in the way, and we build a step-by-step plan to move forward.
Here’s what I help my financial coaching clients do:
- Create a customized plan based on what they want to achieve—not just what someone else says they should do
- Identify and change money habits and patterns that are holding them back
- Get clear on what matters most to them financially—whether that’s paying off debt, saving for the future, or just feeling more in control day to day
Financial coaching isn’t just about the numbers.
It’s about knowing what to do next, having someone in your corner, and making consistent progress—one step at a time.
If you’ve tried budgeting and still feel stuck, you’re not the problem.
You just need a different approach—and the right kind of support to help you follow through.
A Quick Example
One of my financial coaching clients came to me after trying multiple budgeting apps.
She and her spouse had a solid income on paper, but they were still living paycheck to paycheck—and the tension around money was building.
They weren’t sure what was going wrong. They’d made a budget, cut back where they could, and tried to talk things through. But the conversations kept going in circles, and nothing seemed to change.
What they needed wasn’t just another spreadsheet—they needed a guide.
Someone to help them look at the full picture, ask the right questions, and navigate the hard conversations together.
Through coaching, they uncovered spending patterns they hadn’t noticed before and finally got clear on what they each wanted financially.
Now they feel more in control, more aligned, and more hopeful about their future—not because everything is perfect, but because they’re working a real plan together.
That’s the difference financial coaching makes.
FAQ: Is Financial Coaching Right for Me?
If you’ve tried budgeting but still feel like you’re spinning your wheels, financial coaching can help.
You might benefit from coaching if:
- You’re making good money but still living paycheck to paycheck
- You’ve started budgets that don’t stick
- You want a plan for paying off debt or building savings
- You need help navigating money conversations with a partner
- You’re self-employed or have irregular income and want more stability
- You want accountability and support—not just information
Financial coaching is more than budgeting—it’s about building momentum, changing habits, and feeling in control again.
Ready to Take the First Step?
Curious if financial coaching might be the missing piece?
Let’s explore what’s possible when you have a plan that fits your life.
Schedule a complimentary call using this link to my calendar.
