A small cushion first
Why a modest buffer comes before extra debt payments, and how to start one.
Choosing a payoff order
Smallest balance or highest rate first, and how to pick the one you will stick with.
Paying yourself a salary
Turning uneven client payments into a steady paycheck on a fixed day.
Buckets, not receipts
A spending plan built on separate accounts and automatic transfers, not logging every coffee.
Money & couples
A shared bills hub plus personal spending money neither of you has to justify.
A tax reserve that works
Moving a share of every client payment aside the day it lands, so the bill is never a shock.
Your take-home on one page
Writing down pay, bills and balances, the only homework before a first call.
Sinking funds
Saving a little each month for the annual bills that used to arrive as an ambush.
Planning toward a home
Steady credit habits and a monthly budget mapped out before any lender conversation.