I felt too embarrassed to talk to friends because on paper I made great money, yet my checking account hit $120 right before every payday. Renata never once made me feel foolish. Together we uncovered $480 in forgotten subscriptions and unmonitored drift, set up sinking funds for the irregular annual bills that used to ambush me, and paid off $7,200 in lingering Visa balances during our 90 days.
What changes with a clear plan
Some clients arrive carrying $40,000 in card debt; others earn $180,000 and wonder why their savings never grow. Here is what changed for them, in their own words.
-
-
I was throwing random extra payments at four credit cards and two student loans with no real strategy, and draining my checking so low I had to swipe the cards again by Friday. Renata showed me how building a $2,000 starter cushion first actually sped up my payoff by stopping new charges, and sequenced my balances so my first two cards were gone in four months.
-
After graduating from the 90-day reset last year, I kept the monthly check-in through a major promotion and a cross-town apartment move. Knowing I have a warm, judgement-free check-in on the first Tuesday of every month keeps my savings goals front and centre. I have reached a full six-month emergency fund for the first time in my adult life.
-
Before our wedding we kept postponing the money talk because every time we opened spreadsheets together somebody ended up defensive. Daniel made both of us feel completely respected from the first ten minutes. Over three months we set up a shared-bills hub, automated our honeymoon and car-repair sinking funds, and agreed on equal personal fun-money accounts where neither of us feels micromanaged.
-
Closing two listings in June and none in August used to mean swinging between feeling rich and panicking about rent and quarterly IRS payments. Priya built my holding-account waterfall in two sessions. Now every commission lands in one holding account, the tax reserve comes off the top automatically, and my personal checking gets a steady salary on the 1st and the 15th.
-
A mortgage broker pre-approved us for far more house than felt safe, and one old medical collection was dragging down Devin’s score. Daniel walked us through our credit reports from all three bureaus, helped us keep card utilisation low before each statement closed and stress-tested our real budget after daycare. We closed on our townhome last month with three months of reserves intact.
Ready for your own reset?
Every plan on this page started with the free 25-minute clarity call. Ledgerleaf Money Coaching will help you pick the track that fits your household.