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What’s Your Financial Problem?

What’s Your Financial Problem? Today, I want to dive into this question.  I think understanding this provides my clients with the most value. When it comes to your finances: “What’s the problem?” In my experience as a financial coach, I’ve found there are two primary levers you can pull to

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“I am so embarrassed…”

“I am so embarrassed. I feel like I should have this part of my life figured out!” This is a statement I hear time and time again when I first start working with clients.  My clients are smart, educated, successful – and yet money feels like the one area of

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A Fresh Start for Q2: Reflecting on Your Financial Goals

Spring weather has arrived in East Tennessee!  I don’t know about you, but I’m ready for more sunshine and longer days!  As we transition to a season of renewal, it’s a good time to take a fresh look at our finances. Today, I’m excited to guide you through a comprehensive

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Tackling High School Expenses

Being the mom of two high school freshmen has opened my eyes to a whole new world of expenses.  No more $10 or $15 notes from school.  Now it’s requests for $50 here and $100 there. One week, we were hit with $250 in expenses for testing fees, membership fees,

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“Spending like we have money when we don’t.”

In June of last year, I started working with Matt and Sarah, and asked them to tell me their biggest financial struggle. They replied, “Spending like we have money when we don’t.” Is there a person reading this who hasn’t felt like that at one time or another!! (I doubt

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Tax Refund? Read this!

Tax time is right around the corner.  For many people, this means that a sizable tax refund is also right around the corner.  As a financial coach who has seen *everything*, let me tell you what many people do with a lump sum dropped into their account.  They go on

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🥳Smart Money Financial Coaching Hits A Big Milestone!

I am so happy to share that this month Smart Money Financial Coaching is celebrating our 5 Year Anniversary!  To be perfectly honest, this has been a bit of an emotional milestone for me.  🌊The emotions hit me like a wave that wasn’t really expected.  But through a bit of

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How to “Reset” Your Budget for a New Year

There is truly no better time to reset your budget than a New Year! The beginning of a year brings fresh new vibes and a renewed sense of hope for the future. Plenty of my successful clients got a nudge to change their finances over the holidays, and made a

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When Spending is More than Shopping

Have you ever reached into your fridge at night to get a sweet treat, and just as you are biting down you think– “I am not even hungry. Why am I eating this?” It is generally a quiet voice, but clear nonetheless. This voice can give us a bit of

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“We can’t afford that!”

Do you have any childhood memories of wanting something and hearing your parents bellow out… “We can’t afford that?!” Chances are…you do! Many of the clients that I work with grew up in a home where the parents often explained that they would not be buying extras because the family

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Hello! I'm Crystal!

I guide women and married couples who “make too much to feel this broke” from financial stress to financial freedom.  I live in Morristown, Tennessee with my husband and children.  I enjoy traveling, reading, and listening to music.

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