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More-money-more-problems

More Money, More Problems?

Many times when I work with clients, they think that the answer to all their problems could be solved with just one thing…make more money.  While an increase in cash flow does make things a bit easier, it isn’t the whole solution.  When I began working with Michael and Linda*,

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Money-and-marriage

“Is there any hope for us?”

One October afternoon in 2019, I started the Discovery Call on Zoom with a couple that was curious about financial coaching. As soon as I turned on the video, Leslie and Charles popped up and… I knew. It was clear to me that Leslie wanted to work with a financial

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Is your money holding you back?

Ever feel like lack of money is holding you back?

When I first met Kimberly, she had a lot on her mind. She was concerned about her Job Security. Concerned that her (adult) special needs child would need more help. Most of all–she had retirement looming on the horizon, and she wasn’t sure if she was on the right path

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Increase Your CashFlow

🎄Holidays + 📈 Inflation = Creative Solutions

When you begin working with a financial coach, one of the first things that you will do is to create a budget that accurately reflects your expenses and priorities. With a budget and tracking expenses, clients immediately see where they can change behavior.  There are times, though, like when inflation

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She had 18 creditors breathing down her neck!

Yes–when Tina reached out, she had 18 creditors breathing down her neck. Over $33,000 in debt with… Credit card bills in collections. Medical Bills to pay. Loans from small finance businesses with interest rates over 100% (not a typo). Years behind on property taxes. Tina is a single woman who

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Student Loan Forgiveness Update

Student Loan Forgiveness is certainly on the minds of many of my readers this month! As there have been a number of changes in the past few weeks, I wanted to share with you the most important updates, especially since they are time sensitive. If you are interested in pursuing

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Suddenly Widowed with a Mountain of Debt

It’s been three years later, I can still remember the first call I had with Jan. When she first spoke, I instantly knew she was squarely in the middle of a very hard time.  A dark place. At the age of 55, she had been unexpectedly widowed, and was feeling

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Student Loan Forgiveness: What We Know Now

As I am sure you have heard by now, last month President Biden released his sweeping plan for forgiving student loans, which may impact you.  As you can imagine, this is a very controversial topic!  Many of my clients have mixed feelings about this because it could offer relief, but

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Recession Planning Next Steps

If you were a fly on the wall in my office, you would know that over the past couple of months, there is one word that seems to be getting everyone’s attention…Recession. Let me take a minute to say–it must seem a bit unfair that as you are taming rising prices

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Let's talk money

Have you ever experienced Murphy’s Law with Money?

Murphy’s Law states that whatever can go wrong will go wrong but have you ever thought about how that can apply to money? Have you ever made the decision to reduce expenses, pay off debt and *finally* get some peace with money but then just a few days or weeks later…something

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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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