Des Moines, IA · Financial coaching

Ledgerlight Financial Coaching

Flat-fee coaching for households, couples and freelancers who want a written plan for cash flow, debt and the next big goal.

Book a free clarity call Compare programmes and fees

Two people shaking hands across a desk at the end of a meeting

Three of six programmes

Programmes with the fee attached

Choose a single intensive or a 90-day programme. Any change in scope is agreed before work begins.

90-day programme

90-day cash-flow reset

Six one-hour sessions, a fortnight apart, built on the last 90 days of real spending. Fixed bills are pulled apart from flexible ones, irregular costs get their own sinking funds, and a 15-minute payday routine replaces the end-of-month scramble.

Last 90 days of spending reviewed
Sinking funds set up for irregular bills
Or three monthly payments of $230

Boundary: Coaching only. No financial product is sold, recommended or arranged, and money is never managed on a client's behalf.

Best for: Households with a steady income that still reach payday with nothing left.

$690

Ask about 90-day cash-flow reset

Couples programme

Couples money alignment

Six 75-minute joint sessions with a coach who takes neither side. You choose an account structure together, agree personal spending money that needs no explaining, and set up a calm 20-minute monthly money date.

Account structure chosen together
Personal fun money agreed for both
Or three monthly payments of $280

Boundary: Work is done from statements the client provides. Bank accounts are never linked and login details are never held.

Best for: Engaged, newly married or long-term partners who keep putting off the money talk.

$840

Ask about Couples money alignment

Single intensive

Debt and student loan roadmap

One 90-minute intensive that lists every balance, APR and minimum payment, sets the avalanche and snowball orders side by side, and builds a starter buffer so the cards stop being used again.

Every balance, APR and minimum listed
Avalanche and snowball compared
Written month-by-month payoff schedule

Boundary: Creditors are not contacted on a client's behalf, and no debt is consolidated, refinanced or negotiated here.

Best for: Anyone juggling cards and student loans with no clear order for paying them off.

$295

Ask about Debt and student loan roadmap

See all six programmes and fees

Before contacting

Questions answered plainly

All questions

How do I know which programme to start with?

Start with the free 25-minute clarity call. You talk to a coach about what is causing the stress right now, and together you choose the single intensive or the 90-day programme that fits.

Are the published fees final?

Yes, for the scope described on the services page. The two longer programmes can be split into three monthly payments, and any work outside the scope is agreed and priced before it starts.

Do I need a tidy budget before the first session?

No. Bring your approximate monthly take-home pay, a rough list of recurring bills and your current balances. Nothing is uploaded through this website, and the rest is organised together.

Do you sell financial products or manage money?

No. The only payment is the session fee. Nothing is sold, no commission is taken, and no investment, insurance, tax or mortgage advice is given at any point.

Client words

Recent reviews

Read all reviews

On paper I earned well, yet my account was nearly empty before every payday. Elaine found the forgotten subscriptions and set up sinking funds for the annual bills that used to catch me out.
Rachel O.

We kept postponing the money talk before the wedding. Elaine took neither side, and we now have a shared-bills account and fun money neither of us has to justify.
Tomas P.

I was throwing extra payments at four cards and two student loans at random. Marcus had me build a small cushion first, then set an order that cleared two cards in four months.
Gwen L.

Inside the sessions

Tools, notes and milestones

Open the complete gallery

Figures written into a ruled notebook beside a laptop — A cash-flow reset begins with 90 days of real spending, sorted by hand into fixed bills and flexible lines.

Three rising stacks of coins on a pale surface — Small, steady amounts add up: a starter buffer first, then each balance cleared in an agreed order.

A glass jar holding coins and folded banknotes — A sinking fund for irregular bills, so a car repair or a holiday no longer lands on a credit card.

How it works

From first question to a written plan

Nothing is sold in a session. Every fee is fixed before the work starts and no product is recommended at any point.

Clarity call

A free 25 minutes to name the money stress.

Snapshot

Take-home pay, bills and balances, roughly listed.

Sessions

The plan is tested across real pay cycles.

Next step

Bring one money question

Say what is causing the stress, and a coach replies by email with the programme that fits, its fee and a time for the free clarity call.

Contact Ledgerlight Financial Coaching