YNAB Coaching by Kate
Helping others develop financial literacy has been a passion of mine for as long as I can remember. When I first started out on my own adult-life with my husband, we would frequently run into issues with money...not having enough for groceries and bills, overdraft fees, and the list goes on. We would resort to borrowing money from friends and family, or turning to credit cards. Then I found You Need A Budget = YNAB...and it sounds cliché, but it did change our lives! We were able to start with understanding when and where the money was being used. Chipping away, we worked ourselves a full month ahead within a few months, and I have never looked back. Over the years, our lives and finances have changed - queue adding our dogs (we rescued over 25 pugs over the course of a few years!), along came a mortgage, kids, cars, etc. YNAB has helped us to maintain a healthy relationship with money, which has truly helped us grow across the board.
I am ready to help YOU break the cycle of financial stress through budgeting. YES YOU CAN...
Break the paycheck - to - paycheck cycle
Trust yourself to grow your bank account balance
Make informed decisions about using your money
Pay down debt (and use it wisely where it makes sense!)
Stick to it!!
What exactly is YNAB?
You Need A Budget. (YNAB)
YNAB is a Budgeting App that changes lives. The "rules" are different than most budgeting apps like Mint and Excel Spreadsheets. Instead of looking back on what you already spent, YNAB helps you make choices about what you are going to spend your money on. YNAB's methodology is refreshingly different from the standard "plan ahead" budgeting. That's why it works! Let me help you learn how, and maximize what you are already doing well!
If you aren't already a user, and would like to check out what I'm raving about here, YNAB offers a free 34 day trial. If you sign up with my referral link below, you will get an ADDITIONAL FREE Month on top of it to see if this software is right for you (full disclosure this also gives me a free month too - which is highly appreciated!) They offer free classes to introduce you to the software, the rules, and the application. You may find you don't need my help afterwards, and I am 100% happy with that too - because that means you have found something that works for you! I am always happy to meet you where you are on your budgeting journey.
Why invest in a Budget Coaching?
You are unique. Your needs are unique. Your Budget is unique.
The YNAB Software is incredible and offers a significant amount of flexibility. All of the features and options aren't optimal for everyone to use (though they are wonderful to have when you want them!) Let me help you understand the process and how we can optimize your budgeting to fit your needs and goals. It doesn't matter if you make $1,000,000/year or $10,000 - if you don't plan on how that money will be used, you aren't going to have what you need when you need it.
What do I get with coaching that I can't find on my own?
In short - experience, tailored insight to the YNAB software, troubleshooting your specific concerns, and accountability. Maybe you have multiple jobs, variable incomes, or the information you've read isn't quite the right fit. I have helped someone who had to decide which bill to prioritize and which to pay late grow to where they have paid off debts. I have also helped someone who already paid off their debts and wanted to shift jobs. Financial freedom sounds nice - but how you get there depends on where you are, what you can do, and what you are willing to do. I'm here to help you with that process.
Budgeting sounds so...ugh!
I mean...it can be if you make it - but I don't! Budgeting is absolutely a verb - not a noun. I will never tell you to give up the things you value most for the sake of something you value less either. If you were working with a running coach, you would expect them to improve your performance. A running coach doesn't run FOR you though; they coach you with drills and exercises that will help your performance improve. That is what I do with budgeting. You are already earning money and spending it - I can help you learn to do it better.