Money Habits Coaching…
The Power is Yours
Learn How to:
Effectively Manage Your Finances
How to Budget Properly and Only Have to Think About Money Twice a Month, Debt Issues, Spending Under Control, Not Overpaying for Services, Savings & Retirement
Resolve Financial Crisis and Reduce Stress
Dealing with Debt Collector Issues, Forclosure and Repossession, Avoid Bankruptcy
Get Out of Debt Faster than You Thought Possible
Systematically pay off your debt and know exactly how long it will take
Plan for Retirement and College Tuition (if applicable)
Investment strategies you won’t find anywhere else. Plan a secure future!
How Do I Become a Client?
We explain the process during a no obligation Free 30 Minute Consultation. At the conclusion of the consultation we will inform you whether you are accepted to enroll in the program. Our program is completely customized for your circumstances.
Click Here to Get Started Today
People often ask…
“How can I afford financial coaching?” FACT: Our program is affordable for everyone. In 10 years there hasn’t been anyone that wanted our services that couldn’t afford them.
With Our Help….Build a Secure Financial Future!
You may be one of millions of Americans who struggle with debt and financial stress every day, or maybe you just want a financial tune-up and need guidance on specific objectives. Our Financial Counseling can help you take control of your finances.
Request Your Free Consultation Click Here
Or Click Here to Read Additional Info on the FAQ Page
We don’t sell products, insurance, or investments…
Simply a solid plan and guidance for a secure financial future!
Okay…now the long version!
What is Money Habits Coaching?
Developing a Personalized Plan for You:
Set priorities and get spending under control
Result: Stop accruing debt
Learn our budget system that works every time, because it’s based on the way you really live
Result: Think about money only twice a month
Create an emergency fund
Result: A feeling of security
Eliminate debt in a structured manner
Result: Paying off debt faster than you ever thought possible
Plan for future objectives such as major purchases, college, and retirement
Result: Living within your means long-term
Resolve Crisis and Reduce Stress:
Dealing with Delinquent Debt
Result: Understand the laws and rules to protect yourself
Collection Issues
Result: Stop creditor phone calls and harassment
Negotiate Settlements
Result: Get debts out of your life forever, many times for as little as twenty cents on the dollar
Lawsuits
Result: Understand the laws and rules to protect yourself
Foreclosure and Repossession
Result: Learn your options
Our View on Bankruptcy
Bankruptcy is something no individual ever ‘wants’ to experience. Many people in financial crisis believe it may be their only way out. The truth is most individuals and families do have other options. We help clients explore all options. If a client’s best option is bankruptcy then we still must deal with the underlying issue. Bankruptcy is not a long-term solution. It’s a quick fix to a problem usually caused by bad financial habits. If someone is forced to file bankruptcy our services are imperative to ensure they don’t repeat history.
Our Team of Experts
You receive access without additional cost to answer your basic questions:
– CPA
– Financial Attorney
– Certified Financial Planner
– Estate Planning Attorney
– Banking
– Insurance Agent
– Realtor specializing in short sales
– Mortgage Broker
– Licensed Marriage Counselor
Accountability is Key
In our society we lack a standardized system to provide proper financial education. Even those with the highest level of education never receive the schooling to effectively manage personal finances. There is great information available through books and other sources but the problem is most people cannot consume the information, organize it for their needs, and implement a plan in a meaningful way. You will never be alone. We provide a proven plan and the accountability needed to be successful at creating a strong financial foundation and money habits that will last a lifetime.
How Are We Different from Others?
Our Financial Coaches
Independent coaches with a passion for helping people. They’ve received high level training to provide guidance on every aspect of financial matters. Our coaches do not sell products of any kind, nor are they endorsed or funded by a third-party that imposes a hidden agenda. They are self-employed individuals that are very concerned with your long-term satisfaction.
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The others…
Credit and Debt Counseling
Many of these institutions will tout the fact they are non-profit. The truth is they are heavily supported by the credit card and other members of the credit industry. The large creditors use this outlet as a way to have a person’s finances organized so that they are paying the absolute maximum they are capable of to their creditors. They have no intention of the individual ever achieving a positive outcome. Their main concern is to keep you making payments, for most that will be the rest of their lives.
Debt Settlement Companies
These companies offer their services claiming that they are able to reduce the amount you owe creditors, mainly credit card debt. The hidden truth is all creditors will offer special settlements when an account is severely delinquent. You ultimately end up paying substantial fees for a third-party to hold your money while you are left out of the loop with your creditors. There is no guarantee of the outcome other than you will pay a substantial amount of money for something you could have easily handled yourself.
Bankruptcy Attorney
If you seek a bankruptcy attorney and ask them if they can file for you the answer will inevitably be `yes’. They are in the business of filing bankruptcies and that is how they get paid. They are not in the business of discussing options. If you seek their consultation most will tell you to file bankruptcy and all the ways it can benefit you. After bankruptcy you are left with the same financial knowledge and skills that created the crisis in the first place.
Free Advice or Counseling
This can be the most expensive advice you ever receive, you get what you pay for. Without a vested interest in helping you achieve a firm financial foundation, this type of counseling tends to be very generic and they are not well versed in complicated financial matters. Just learning basic information will yield basic results. You have to have a complete education, the support to implement your plan, and the accountability to stick with it for the long run.
Investment Advisors
Their primary objective is to sell investments. This is motivated by the fact they earn a commission and that is generally their sole source of income. They do not consider the individuals overall financial situation, nor do they offer guidance on effectively managing personal finances to ensure you can actually afford to invest.
Financial Planners
They are focused on planning for long-term objectives and fail to address current financial habits and realities of their clients.
Seminars and Self Study
While great for reinforcing knowledge, they do not reinforce accountability or offer in-depth personalization and support as a trained financial coach will offer. Many times people will attend programs that have a facilitator, but that person is generally not qualified or trained to address financial matters.
We Promote a Debt Free Lifestyle! Being truly debt free may be a short journey for some and a lifelong pursuit for others. It’s a way of life where you are controlling your money instead of it controlling you. It’s learning the money habits needed to live within your means and breaking the chains that debt imposes. Our clients are able to quickly transition and bring real change to their lives, resulting in less stress and the security having real control over your finances brings.
Money Habits Coaching Program Overview
You will receive a free no obligation consultation to explain the entire program
We review your circumstances and inform you whether we are able to accept you as a client. The program consists of 4 sessions, each covering different aspects of the educational process. You also receive 12 months of limited phone and email support from your coach. In addition you receive a client binder outlining your personalized plan and documents for all the forms related to your needs.
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