Coaching for cash flow, debt and shared goals

Six biweekly 60-minute sessions, in the studio or by video, or three monthly payments of $230. Restrictive budgets tend to fail by week three because they forget annual car repairs, holidays and everyday enjoyment. You and your coach review the last 90 days of real spending without judgement, separate fixed bills from flexible spending, set up automated high-yield sinking funds for irregular costs, end paycheck-to-paycheck drift and build a 15-minute payday routine that sticks.

Suits Earners whose money seems to vanish before payday, however good the salary.

Six 75-minute joint sessions, or three monthly payments of $280. Most couples bring two different money upbringings, often one natural saver and one spontaneous spender, and nobody hands them a playbook for combining finances. Acting as a neutral third party, your coach helps you choose an account structure (yours-mine-ours, a proportional split or fully pooled), agree on no-questions-asked personal spending money and run a calm 20-minute monthly money date.

Suits Engaged, newlywed and long-term partners, or couples who keep having the same money argument.

One 90-minute intensive plus a written payoff schedule. Sending every spare dollar to the cards while holding nothing in savings means the card comes out again the next time a tyre blows. In this session you list every balance, APR and minimum payment, compare avalanche and snowball orders side by side, weigh federal income-driven repayment against the standard plan for student loans, build a starter emergency buffer alongside the payoff and leave with a month-by-month debt-free calendar.

Suits Anyone juggling several cards or student loans who wants one clear order and a date to aim for.

Two 60-minute sessions plus an owner-pay waterfall template. A standard monthly budget breaks the first time you earn $11,000 one month and $3,800 the next. Over two practical sessions you design a holding-account waterfall: every client payment or commission splits into a tax reserve, baseline bills, a growing buffer and a fixed paycheck transferred to your personal checking every other Friday. The tax figure itself should come from a qualified tax professional.

Suits Freelancers, realtors, commission earners and creatives whose income swings month to month.

One 90-minute intensive plus a 12-month milestone tracker. Best started 6 to 18 months before buying a home or signing a major lease, so you qualify on strong terms without becoming house-poor. Together you read your official credit reports line by line, map legitimate utilisation and dispute steps, work out the true cost of ownership beyond a lender’s pre-approval figure (taxes, insurance and a maintenance reserve) and automate a down-payment timeline.

Suits First-time buyers and anyone rebuilding credit before a mortgage or a major lease.

One 50-minute session a month plus messaging between sessions. Life rarely stays still once a budget works. A monthly session gives you a fixed point every thirty days to review the numbers, adjust for daycare changes, bonuses, moves or medical bills, celebrate debt milestones and correct small drift before it snowballs. Cancel at any time; there is no long-term contract.

Suits Programme graduates and self-starters who want steady accountability through life changes.