What if I don't want to be a penny pincher?
Once you commit to your financial goals, your spending will naturally shift to support those goals.  It’s about focus, not penny pinching.  You’ll be surprised at how much money leaks out of your wallet on things that don’t move you towards your goals.  Before you had goals, that spending didn’t matter.  After setting goals, that spending starts to look like a waste of money.
What if I live paycheck to paycheck?  I don’t see how I can get ahead.

You’d be surprised.  Inertia and lack of information prevent people from getting the best benefit of each dollar that passes through their hands.  Just by reviewing your spending regularly and learning about financial options, you’ll find money in your budget.  70% of Americans live paycheck to paycheck – you’re not alone.  But, I believe you can change that.


What if I hate budgets?

Budgets are less about dollars and cents than they are about awareness.  Just by making a budget – not even using it – people reduce their spending by 5%!  Once you know how much you spend in a category, you’ll be tracking it mentally – it’s uncanny.


Can my spouse or partner participate with me in Manage It?  We’ve all heard the statistics that money is the #1 cause of failed relationships.  So, by all means, include your spouse or partner if you wish – the fee is still $500.


Are there any costs besides the one-time fee of $500?  No.  I don’t sell financial products of any kind or receive referrals or commissions from others.  We may find that changing some of your financial providers will save you money, i.e. bank fees, cost of insurance coverage.  But who you ultimately use is your decision.


What if I don’t think I need to go through the Manage It program but do have a couple of financial concerns?  I do consulting at the rate of $75 per hour.


What are your credentials?  A B.S. in Economics, 5 years in banking and certification as an Accredited Financial Counselor from the Association for Financial Counseling, Planning and Education.  But, more importantly, I have lived the program.  After having made some very poor financial decisions, I committed to taking control of my finances – it’s made all the difference.