Take charge of your money! •  Are you afraid to answer the phone or open mail from creditors? •  Are you unsure of how much money you have—or how much you owe? •  Are you unable to maintain your vehicles or your home? •  Do irregular payments, such as insurance or taxes, come as an unwelcome surprise?   I will empower you with tools designed to help you manage your financial life more effectively. Learn how to talk to your creditors politely and respectfully, and how to set boundaries that will create a win-win situation for you and for the people you owe. You will develop the ability to: •  Keep impeccable records of your income and expenses •  Plan your spending, taking care of your obligations as well as taking exquisite care of yourself •  Spend less than you earn each month, so that you never have to incur unsecured debt again •  Create a cash reserve and fund an abundant retirement   Losing control of your finances limits your ability to direct your life; in taking charge of your money you have the freedom to find clarity in and be in control of all other aspects of your life! Ask me how my money management coaching can help you get your finances under control and keep them there!