I went from broke to helping people understand how personal finance really works so they can find peace with their money and be financially strong the rest of their lives.
18 years ago I was sitting where you are.

I was 37 years old, divorced (well…hopefully you aren’t divorced), with one fabulous son.

I had no money and no idea how I should be thinking about

  • saving for college and retirement,
  • spending money or
  • how I should be managing my debt.
I help people understand personal finance
I help people understand personal finance
I went from broke to helping people understand how personal finance really works so they can find peace with their money and be financially strong the rest of their lives.
18 years ago I was sitting where you are.

I was 37 years old, divorced (well…hopefully you aren’t divorced), with one fabulous son.

I had no money and no idea how I should be thinking about

  • saving for college and retirement,
  • spending money or
  • how I should be managing my debt.

It was ugly, and I really had no excuse.

I lived in a house I couldn’t afford. It was in a great neighborhood with a great school system….and for 3 years we had no furniture because I couldn’t afford any.

My mailbox was at the end of my driveway. I’d drive by it 4, 5, sometimes 6 days in a row without stopping to get the mail because I dreaded what was inside.

This was particularly ironic because I was a Controller and Chief Financial Officer for both public and private companies for over a decade. 

I was REALLY good at taking care of my companies’ financial planning.  I could put together short and long term financial plans that allowed the CEO’s to see exactly what their growth paths where and all the short-term milestones that had to happen along the way. My companies saw 30% and 40% annual growth and lots of profit.

But I was not applying the same principles to my own life.

No one had taught me how to manage my money and managing my own money was incredibly emotionally charged so I did everything I could to avoid thinking and dealing with it.

I had so many excuses

  • I didn’t have time to figure it out
  • it wasn’t going to be pretty so I didn’t want to look at it
  • I didn’t know what to focus on… budgeting? debt? savings? retirement? investing?  
  • Every time I felt like I had my arms around one piece, something else fell apart.
  • I didn’t want to know how bad it was because I was use to being successful and didn’t want to face being a failure
  • I was afraid I was going to have to make some hard decision I didn’t want to make.
  • There always seemed to be time to worry about it later
  • Quite frankly….I was embarrassed.

Does this sound familiar?

 

What made me make a change

My son.

Yup.  Two words.  One special little guy I’d do anything for. (Don’t you love a first day of school picture?)

When my son started middle school, he had to pick a course path for college, the trades or general study.  On the first day of school, he brought home the course selection form .  My son dreamed of being a pilot which meant he needed to pick the college path.

That was my day of reckoning. 

I had no money saved to make this happen for him.

I firmly believe that one of the really cool things about having children is that we will do things for them that we won’t do for ourselves.  

Because that was the day I committed to figuring this thing called Personal Finance out.

Getting my finances under control changed by life

I took classes.

I read books.

I went to seminars.

And I looked at what I was doing for my companies and figured out what made my financial planning for them so successful.

Over the last 18 years, I pulled all this information together and created a system that got me on track and has kept me on track.

I created a simple 6 step system to manage my money and create a personal financial plan.  I go through the process once every year. The process includes reviewing my budget and spending, outlining short and long-term goals, and creating a set of milestones to hit those goals. In my annual process, I look at what I planned the previous year, review my progress, and tweak the plan for the following year. I take time to celebrate my successes and the challenges I’ve overcome each year.

This is how I feel about personal finance now:

  • I now know where my money is.
  • I understand my spending habits and priorities.
  • I know how much to save and how to save.
  •  I have a retirement plan that will never run out of money.
  • I have flexibility so that when crises come up (because they will and do happen) I know how to pivot and stay on track.

I no longer feel like I’m afraid of looking at my personal finances. I don’t avoid the mailbox anymore because I no longer hate the feeling of opening the bills. (For the record, I still hate paying the actual bills.)

Best of all, my son went to college, became a pilot, and has no college debt.

And I will be able to retire before I’m 65….if I want to….

I have a sense of peace.

I needed to find a way to share what I learned

Earlier this year, one of the women in my networking group asked me if I “do for people what I do for companies.” (I’ve had my own business consulting company since 2011, helping companies grow and get more profitable.)  My initial reaction was. “Um, no…..but I probably could.”

I may not be a certified Personal Financial Advisor, but I am a financial executive with a proven system that works and works well. So I put together a few classes, and showed some of the women I know, the 6 step system I use.

The result?

These women left my class feeling more confident and with a sense that they too could manage their money.

One now understood how the pieces worked and knew she needed to focus on how she was spending money. Another left confident she and her husband were on track; and another left realizing the hot tub she wanted to buy probably wasn’t what she should be doing with her money right now.

They all left with a new sense of peace.

That, my friends, was the show stopper for me. 

I’m glad I could teach people how to create their own plan, but the bigger impact for me was the sense of peace I was able to give these women. There was an actual physical change as they walked out of the room.

What a powerful gift to give.

That sense of peace is what I want to give more people. I want you to have that sense of peace. So I formalized my 6 steps and created this course for you.  

If you like what you’re reading and want to get started right away, check out one of my special ‘getting started’ guides

Are you ready to take REAL, concrete steps to take charge of your personal finances and create a path to financial freedom?

I bet you have been thinking about this for awhile.

You may have done some research on the internet or read some books.  

You found lots of pieces of information on budgeting, debt management, saving, investing and retirement planning. 

But you haven’t figured out how to put it all together.

By reading this, you’ve proven you are looking for that answer.  You are ready to do the work and take control of your finances so you can create your financial freedom.

You are ready to find you peace with your money.

Are you ready for the first step?

Start by diving into one of our free publications or join our free Facebook Group

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How do you feel about money?  Take our quiz to see your money relationship score. This is the first step to change.

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This is our guide 7 Simple things you can do to start getting control of your money.  We make this easy!

As someone who is just starting out in life, it was great to find a course that explained how finance all works.  I now have a plan in place that is already creating a healthy retirement account.   Linda does such a great job of explaining the concepts and how they all fit together.

Becca