Who am I?
I am the dorky teacher who makes weird faces and does weird things to help my kids remember things. I am the crazy mom who dances and sings in the car at stop lights no matter who’s watching. I am an independent woman who is addicted to lip balm and coffee.
I strive to be an imperfect, weird, inspiring, respectful and respectable, considerate human being. I pick up garbage off of the ground and toss it into a garbage can so we can have a clean world.
I fully believe that we can all have the financial future we desire as long as we are willing to put in the work, which includes planning, strategizing, and organizing one’s personal finances.
I am a single mom living in California on a small teacher’s salary and I managed to buy a house by myself in Northern California. I did this because I planned, strategized, and organized my personal finances and kept my eye on the prize. It was NOT an easy trip though. I had multiple set-backs and oh-so-many struggles that would have been easier to handle had I not been on my own.
I am the first and only (but not the last) person in my entire family to have graduated college. I started by earning two degrees at Yuba Community College: AA Arts and Humanities and AA English. I then went on to earn a BA English and single-subject teaching credential at Chico State University. I then earned a Master in Education, Learning and Technology at Western Governors University. I am credentialed by the State of California in Single-Subject English, CTE Business and Finance, and CTE Arts, Media, and Entertainment.
After my divorce, I struggled financially and had a lot of difficulty finding a job that would provide my children and I with decent benefits and a salary that would allow us to keep our heads above water. So, I went to college instead. I was able to survive full-time college by working two and sometimes three jobs, utilizing financial aid, and government aid.
I had debt from the family law attorney, student loans looming, expensive dental work for my daughter that I had no choice but to put on a charge card, auto repairs to pay for so I could keep going to school and keep working, and just so much more! It just never seemed to stop. It just seemed like I was constantly being kicked to the curb. I was beginning to think that I should just quit and take whatever job I could get.
It would have been easy to stay in that mindset and take the route of the least resistance. But, I was determined to have a better life. I wanted to be able to buy a house for me and my kids. I wanted to be able to take my kids on vacations. I wanted to be able to save for retirement. So, I planned; I organized; I strategized; I kept my eye on the prize.
This meant having to say no A LOT to the kids and saying no A LOT to myself for many things. But, here I am today teaching full-time, working a pretty fun side-gig, and I’m in the process of creating courses to help others attain their financial goals. This is an exciting time!
Financial Coaching History
For the last couple of decades, I would help people with organizing their bills and budgets and helping them to figure out how to make ends meet but to also begin saving money. However, this wasn’t anything that I did professionally. I was just helping friends and family.
Then, I really started focusing on my own financial situation and would have family and friends asking me questions periodically because they could see what I was able to do in my financial life. After some research, I realized that I can actually do this professionally and help more people attain their financial goals. I have also learned that financial coaching could be much, much more than just helping people with a budget. This was a pivotal moment for me and propelled me forward to now.
As a single mom, I understand how difficult it can be to not have anyone with whom to share worries, questions, and successes. I understand the struggle of having just my own paycheck from which to pay for groceries, bills, housing, and all of the things that a child needs as they grow up from field trip fees to graduation attire. I understand the struggle of having to make financial decisions on my own, not knowing if I was making a mistake or doing something good.
What Does This Mean for You?
Your financial success is personal and attainable. I would love to help you organize and strategize your finances while also addressing a mindset shift in order to get you closer to your financial goals.
I utilize a hybrid coaching style, which means that you will do some work on your own and we will also work together via a video chat or phone call on the other work. You will work your way through the course during which there will be contact points where you will book a call with me and we will work together one-on-one to address the course content and to move you forward to the next section.
What is a Personal Finance Coach?
There is a difference between a Personal Finance Coach and a Personal Financial Advisor. As a Personal Finance Coach, I will be there from the beginning (figuring out where your money is going) and will be by your side as you work through your finances, mindset, and emotions.
A Personal Finance Coach does NOT:
- Give investment advice
- Give financial advice
- Make financial decisions for the client
- Sell insurance, stocks, bonds, mutual funds, etc.
A Personal Finance Coach DOES:
- Help you gain clarity over your spending and income
- Help you to identify your values
- Help you set and plan for short-term and long-term goals
- Help you expand your personal finance knowledge
- Help you become more skilled with taking control of your money
- Help you create a plan to achieve your best financial
- Stay the course with you to help you stay on track
- Explain choices for various situations from which you make the decisions
If you would like to find out if I can help you, click HERE (currently under construction) to be taken to the complimentary Q&A Session course and answer the questionnaires, then you’ll be guided to book a call for a complimentary, no obligation 15 minute appointment with me. The course will allow us to get to know one another and then we can determine together if you would like to move forward to the next step, which will be the Discovery Session.