Of course I can help you...as long as you are coachable...

The only people I can’t help are people who are NOT coachable.  If you are not ready to stop making excuses for your financial problems, then I’m not your gal. You have to be willing to stop doing what you are currently doing and commit to change.  Change isn’t easy.  Change isn’t fun – but my goodness folks, being broke isn’t fun either!

You see, I know you are struggling.  I know you look around and wonder what you’re doing wrong.  I know at tax time you look at your return and say “Wow!  I made this much money and have nothing to show for it!  Why do I still feel broke?”  I know that if you feel good about your financial situation that you are in the minority.  We don’t plan ahead.  We don’t accept responsibility for our choices, nor are we accountable for them.  We use emotions as financial decision makers instead of math.  We expect our personal finances to be easy without having to put any effort into it.

Most people feel this financial pressure and can’t figure out why.  I know why.  We are American and we are entitled – we deceive ourselves into believing that it’s ok to have what we want, when we want it.  And then when we feel the pressure, we again deceive ourselves into believing that the “fix” should be easy too.

Here’s the truth.  There’s no magic.  There’s no get-rich-quick.  There’s no secret formula.  There’s no fail-proof investment.  There’s none of that.  It’s not easy, at least not at first.  Sometimes there are things you will sacrifice, sometimes it will hurt a little, and sometimes it can hurt a lot.  This is all ok.  It is ok to tell ourselves NO, in fact, it is necessary. 

When someone says “If I just had more money, THEN I would…” they are deceiving themselves.  The truth is, if you had more money, you would do with it exactly what you currently do with the money you already have, just in a larger quantity.  A person making $20,000/year has the same problem as a person making $200,000/year.  Your payments and obligations are just proportionate to the size of your income.   If you already save, you’ll save more.  If you already pay extra toward your debt, you’ll pay more.  If you spend everything you make, you’ll spend more.  This is how people win millions of dollars from the lottery and end up broke – because their financial behavior doesn’t change.

If you are broke and you are coachable, I can help you.  You see, there are some strategies and there are some tools.  Some were created out of necessity to remedy our own screw-ups and some out of necessity to remedy the screw-ups of others.  You get to choose whether you live a life of financial brokenness or a life of financial freedom.  Choose your behavior wisely!