Brave is the word I’d use to describe the client that I’m chatting with this week in my Money Files series. After filing bankruptcy almost a year ago, Karen reached out to me because she wanted to rebuild her financial foundation.

At the time, she was apprehensive about hiring a financial coach because she feared rejection and disappointment, something she’s experienced often and wanted to avoid at all costs. But she also knew that risking that was important because she wanted to regain her financial confidence.  So after talking, she said yes to my one-month intensive.

Karen has made phenomenal growth since working with me.  She’s gone from bankruptcy and inconsistently saving money to easily accounting for unexpected expenses like car maintenance and saving more than $2,000 in less than 8 weeks.

Tune in to Karen’s story to learn...

Since working with me,  Karen has started to rewrite her financial story. This time she’s setting financial priorities and creating a new type of freedom, financial freedom.  You do not want to miss this conversation.

This episode is for you if you want to stop believing the negative narrative you have about money or truly desire to see what’s possible when you have an accountability partner. I know you will find Karen’s story to be relatable, real, and true.

In this episode, Lynae candidly shares that when she first heard about my services, she wasn’t ready to start working together.  In fact, she told herself that because she had multiple degrees, she should be able to get it together (I’m sure you can relate to feeling like you should be smart enough to figure out your finances on your own!) So she continued reading financial resources and trying financial apps to get it together.

No matter how much she read or how many apps she tried, she still couldn’t figure out how to pay off her credit card or save consistently.

Lynae finally figured out that the smartest thing she could do was seek out my support and then use that support in the exact way she needed to reach her goals.

Tune into her episode to learn more about...

If you’ve felt like you shouldn’t have problems with your finances because you make enough money or you’re too educated to be making money mistakes, you’ll want to tune into Lynae’s story.  She shares her own transformation of how she’s gone from feeling anxiety and guilt about her finances to learning how to celebrate her financial progress while still working towards bigger financial goals like paying off the remainder of her credit card debt within the next year.

Grab my free money date guide at www.wealthovernow.com/money-date-guide

This week I’m introducing you to my client Suzanne.  Prior to working together, Suzanne tracked her finances and felt like she was very conscientious of where her money was going but was still caught off guard by expenses. She would have even told you she had a budget.  In this candid conversation, she shares how she set goals about how much she desired to spend on groceries and made sure her bills were paid every month.

In the one month intensive, Suzanne and I worked together to help her have greater clarity about how she desired to spend her money day to day.  Although she was tracking her finances it was all about how much she spent and we were able to focus on preparing for irregular and unexpected expenses that she’d usually take out of savings.

This simple shift in her plan helped her prepare for her dog’s unexpected visit to a cardiologist and save for her love of travel without it getting in the way of other annual fees like her HOA special assessment fee.

Tune into this episode to learn more about...

I work with a number of clients who “budget” but they still can’t seem to make the progress they desire towards their financial goals whether that’s saving more, paying down debt or releasing fear and anxiety about their finances. And my guess is you might be able to relate. Tune into Suzanne’s story to hear how you can shift the way you’re currently thinking about your money so you can reach your financial goals with ease.

To learn more visit www.wealthovernow.com/category/money-files

For years, Maggie made an annual goal to get out of credit card debt but despite her best efforts, the credit card debt increased year after year from $2,000 to over $16,000.

When Maggie thought about what she needed to do to achieve her goals of paying off debt and saving money she wasn’t able to see beyond her reality, the reality that seemed to say that she’d be in debt forever despite her best efforts. She also held the belief that she would never be good with money because that meant she needed to be disciplined and follow a set of strict rules. Maggie decided to hire a coach because she desired different results. After a couple years of setting financial goals and not meeting them it became clear to her that she needed another strategy.

As her financial coach, it is safe to say that Maggie had a resistance to budgeting because she did not see how budgeting would allow her to live a carefree life.

Over the course of my one month intensive, Maggie shifted her mindset about money.  She started to see how we were simply making a plan that allowed her to align her finances with her priorities so she could make informed decisions. Her plan allowed her to make room to save for travel, pay extra on her credit card debt to eliminate it within the next 12-18 months, and also helped her prioritize setting aside money for less sexy things like saving for a new roof.

Tune into this episode and hear more about the progress Maggie has made in the last year.

In this episode you’ll learn…

Having a budget doesn’t mean you won’t be able to enjoy your life and I’d argue it’s the very thing you need to see progress towards your financial goals and gain a sense of clarity about the next purchase you want to make.  A budget allows you to make purchases without the stress of wondering whether you’ll be able to pay your bills on time, pay down your debt, or cover an emergency.

If you’ve ever thought that life is too short to live on a budget, you’ll want to tune into Maggie’s episode because she held a similar belief - and she moved past it to pay off over $11,000 worth of credit card debt and a three-month emergency fund.

And if you're ready to create a budget that makes the life you want possible, schedule a call.

Learn more at www.wealthovernow.com and get the full transcript

When we first started working together, Marie would list out her bills in her planner and “x” out everything that had been paid with her most recent paycheck until she got to what was “left over”.  She viewed the money she had left as spending money until the next time she was paid.

It probably sounds like Marie had a good handle on her money but this system wasn't working all that well for her. Because even though she was paying attention to her bills and had recently received a pay increase, she still didn't have enough money left over at the end of the day to spend on things she enjoyed and she had nothing in savings.

After searching for a financial advisor, she found my site and realized that she didn’t need a financial advisor. She needed a coach who could help her figure out how she was spending money day to day.

In this episode, Marie talks about how we started working together and how her experience permanently shifted the way she sees money. She shares her story of only having $0 in savings to having saved more than $800 in just four weeks of us working together.

She discusses the results she’s seen including finally having an emergency savings and being able to ask herself if a purchase is really worth it or not. She shares how she’s developed confidence around money, how she’s been able to consistently keep $1500 in her checking account to go towards bills, and how she’s going to increase her savings goal in the upcoming months because she now knows how to achieve it. Marie has had some really incredible breakthroughs and I know you’ll find inspiration from the progress she’s made over the past year!

Here are just a few things you’ll learn when you listen in:

To learn more about how I work with clients or to book a call with me go to www.wealthovernow.com

Today I’m sharing a special bonus episode in my Money Files series. This conversation centered around business finances and I talked to my client, Brooke who felt unsure of how to manage the financial aspect of her business.

Brooke is a mom of two and a business owner. After two years in her business, she decided she needed to get her mind right with her business finances and start paying more attention to what money was coming in and going out. Not knowing exactly how much money was going in and out of business meant she wasn’t able to pay herself a predictable salary or invest in her business without debt or worry. She saw how putting a plan in place for her money would help her to be able to achieve personal goals like giving back to her church, which motivated her to get her financial plans in place.

In this episode, we talk about how knowing her numbers changed everything for her and allowed her the freedom (and peace of mind) to know that she could take calculated risks in her business. We explored what her money dates look like and how having these helped her to navigate the ups and downs of business income (especially during the pandemic). She shared her breakthroughs of going from feeling like things were sneaking up on her financially to knowing about expenses before they happened.

Here are just a few things you’ll learn when you listen in:

If you’re a soloprenuer and you want to start creating new possibilities with your finances I promise that you don’t want to miss this conversation with Brooke.  You’ll see exactly why it’s important to go beyond just categorizing your numbers. When you take the time to know your numbers as a business owner, you’ll get to do more of the things you love as a business owner.  This episode will help you see just how easy it can be to go from overwhelmed to intentional about your business finances.

To learn more about how I work with clients or to book a call with me go to www.wealthovernow.com 

Today I’m introducing you to Martha, a long-time friend of mine. Even after 10 years of lots of financial advice, she still saw reason to reach out and get more.

Even after ten years of friendship and countless financial conversations, she decided to dedicate 30 days of her life in my one month intensive to start changing her relationship with money.

Martha is married with two small kids and she tells us about how she and her husband, Matt manage their finances separately. Even though she’s in a partnership she decided to engage with me solo in the one month intensive. Martha was blown away with the transformation she made going from stressed about money (and unsure of where she and her husband stood financially) to at ease and able to communicate about financial matters as a couple.

In our conversation, we talk about the money woes she’s faced and how the one-month intensive prepared her to navigate her finances during the pandemic. You’ll hear the aha-moment when she learned how to allocate every single dollar using her spending plan. She also talks about teaching her children about spending, saving and giving their money. We dive into her plans for navigating a holiday budget (and preparing for that early!), what she considers when deciding whether or not to splurge on an item and the cycles she went through of saving and spending before participating in the intensive.

Here are just a few things you’ll learn when you listen in:

This episode is for my entire audience but it’s especially for you if you’re married and wondered how I support women who want to work with me alone.  But it is also for you if you feel like you make too much money to be stressed about finances.  Tune in and hear Martha share her behind the scenes experience and the growth she’s seen since we’ve worked together.

For show notes and a full transcript visit www.wealthovernow.com/category/money-files

If you're ready to create new possibilities with your money schedule a call. 

I can’t wait for you to dive in and meet Roselynn. You’ll hear Roselynn jokingly share that she found her “financial fairy godmother” as she shares the behind-the-scenes story of our coaching partnership. You’ll also hear that she waited a long time to experience that kind of support because she thought she needed to get things “in order” before we could start working together.

In our conversation, you’ll hear her share more about why she finally decided she was ready and how working together helped her align her spending to achieve her financial goals and build trust in herself.

Here are a few things you’ll learn when you listen in:

If you’ve been on the fence about wanting to reach out financial coaching because you need to “get ready” I promise that you don’t want to miss this conversation with Roselynn.  I can promise you that Roselynn will share at least one valuable mindset shift that will help you realize it’s not about getting ready.

And if you’ve been on the fence about whether financial coaching is right for you, let Roselynn’s story be motivation for you to stop waiting for the perfect time to start.  You are enough and we can start making financial progress right now.

Visit www.wealthovernow.com to schedule a call

For show notes and a full transcript visit www.wealthovernow.com/category/money-files

Today you’ll meet Lisa who has an incredible story of grace, forgiveness, and courage.  I can guarantee that you do not want to miss this episode - it gives me chills to hear her reflect on her growth and transformation!

Lisa found me after she made a move across the country to start over after leaving an abusive marriage and her job behind.  She also had over $20,000 in credit card debt, $70,000 in student loans, no retirement, and no savings when we started working together.

Then Lisa landed a new job, and that sparked Lisa to leave behind 44 years of money habits that never served her.  When we began working together, she had a lot of shame around money and in this episode, we chat about her money transformation, and how she learned to give herself grace.

Tune in to hear how Lisa has used a team to not only manage her emotional spending but also move in the direction that allows her to take action with her finances without fear.

Here are a few things you’ll learn when you listen in:

For show notes and a full transcript visit www.wealthovernow.com/category/money-files

Today, I want to invite you to the second episode of my Money Files Series with my client Katie.

I invite you to tune into our conversation to find out what happened next.

Here are just a few things you’ll learn when you tune in.

You do not want to miss this conversation.  This episode is for you if you’re skeptical about whether financial coaching will help you pay off your debt, save money, and allow you to stress less about money.

And if you’ve been on the fence about whether financial coaching is right for you, let Katie’s story be an example that your life - and your finances - can change in the next month, six months, and beyond. Let’s schedule a call so you can rewrite your money story and reach your financial goals.

For show notes and a full transcript visit www.wealthovernow.com/category/money-files