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What we did wrong…Our Binge-Restrict Cycle with Money

I recently spoke with a couple who described their relationship with money as a “binge-restrict cycle.” They would go through periods of being extremely frugal, followed by significant spending sprees. Boy, did this take me back! Let’s go back in time together. We were in our 20’s.  We had a mortgage, credit card debt, and […]

“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 life that they still haven’t […]

“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 it!) I dug in a […]

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 a vacation they have been […]

🥳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 journaling, I think I have […]

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 fresh start in the new […]

“Are we here again?”

Tell me if this sounds familiar… You (FINALLY) get serious about not overspending and cut all of the unnecessary items. You aren’t eating out as much and you are shopping from your own closet for events. Soon you manage to put money away for an emergency.  Praise the Lord! You take a deep breath and feel like […]

Top 10 Frequently Asked Questions at Smart Money Financial Coaching!

How do I teach my kids about money

This week I would like to take you behind the scenes a bit at Smart Money Financial Coaching! I love to get a sneak peek into other businesses, so I thought it might be fun to share a few things you might not know about my business.  Let’s do a Q and A style, and […]

Successful Clients have this in Common

As a financial coach, I work with people from all walks of life, at every income level! From older couples who need to start saving for retirement, to single women looking to find their financial footing, to families with envy-producing incomes. The one thing that every client has in common is that: They made a […]

“No, not me…please!”

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Have you ever had a thought float into your mind, but then you could not get it out? A pesky, nagging thought living rent-free in your own mind! And no matter how much you resisted the idea, it just persisted and wouldn’t leave… Yes, me too! Years ago, after figuring out how to structure our […]