Break the Paycheck-to-Paycheck Cycle
We all have financial habits, but do you feel your actions are bringing you closer to what you envision?
Look, I know finances aren't easy. I felt super stuck with them. My clients once felt stuck with money too. We tried what felt like everything to get them together but the hits kept coming with new bills popping up, living paycheck-to-paycheck, and despite feeling like we had a good income, the money part just was not clicking. The truth is that a lot of us **have** financial habits, but they might need a wee bit of tweaking to make them the right ones to actually feel like our hard work feels worthwhile and it's for something more than just "getting by".
Create a spending plan that doesn't make you feel bad about spending (yep, we love coffee shops, Peloton™️, travel too)
Nail a set-it and forget-it debt payoff plan to know exactly when your debt will be gone so you can invest that money to build that cozy retirement plan like you've been dreaming of
Not break a sweat and being prepared for car repairs, vacations, or whatever life throws at you...because you planned for those expenses ahead of time (AKA game changer)
Feel comfortable and trusting yourself with money to see your savings actually grow. You + savings in the bank = perfection
Have peace of mind that it's going to be ok - I can prove it to you mathematically...err, kind of priceless right?
You've tried all the things - from no spend challenges, to promising yourself you'd never swipe your credit card again, to even making more money - still you've found yourself in this place again.
Do you find yourself putting money into savings and promising you won't take it out? But then the balance gets depleted. Yep, us too.
Asking for a friend here, but when you look around and see credit card payment's with nearly everything going to the interest, how in the world can you even think about getting out of debt? Let alone...retirement.
Good with numbers or not good with numbers? I'd like to show you that you can be good with numbers, regardless of what that school report card says. The thing about finances is that it is a learned process. You learn by experimenting (um, and not in a Bitcoin kind of way). Figuring out how to make them work for you. Building habits that actually last.
This step-by-step financial program to help you break the paycheck-to-paycheck cycle by finding the right process for you + your life. You'll have the exact recipe hundreds of women (and me!) have used to get out of debt (finally!) and use those funds to build wealth. Feel confident with money, intuitively know what to do, trust yourself with money. Yep, a tall order, but we deliver.
Strategy meets mindset. We're talking a debt payoff plan that is super balanced for your life. Having cash on hand to fund what your heart desires (trip to feel something soulful, rid yourself of those awful messages we hear in the media about money, making plans to quit that job, or just feel like you don't have to stress when the car mechanic comes to give you the bill)....check. check. check.
Oh, dear diary, how many times did I write..."pay off debt" every single year until the words felt not real anymore? Can I share a secret? I didn't know how to get out of debt. I was making the payments, but nothing ever happened (looking at you interest and my swipes on the credit card 'cause I was short again). ve got to introduce you to how to actually pay off debt, whether you've got a few extra bucks a week to throw at your debt or more. It's infectiously joyful to do a right debt payoff plan to know what date to circle in your calendar to pay off that debt. Over and over again, women tell me "I never knew I was that close".....let me show you how to actually be done with it.
The word budget gets a bad rap....rightfully so. Plan, budget, forecast...what shall we call it? Here's what is needed though: making a plan for how you'll spend that cash you're earning. Where's it going? Funding fun stuff? Or, does it feel like gets spent mindlessly? We put the intention into helping you craft your very best budget for your personality + life. If budgeting has never been for you, I've helped many women actually l-o-v-e budgeting over in these parts. Planning your money feels good.
It's one thing to get a chunk of money and pay off debt or throw it in savings. But continually doing that month after month? That's the real deal. Yep, we're talking habits, experimenting here to find what works for you (so, so important), and finding your own financial wellness. Go on that trip to Paris, upgrade yourself, kids' tuition, paying for car tires in cash....might seem like simple things, but I promise you, my clients and I will tell you....it never gets old. That's the power of keeping this going.
This accidentally became a fan favorite! So much of money is about mindset, challenging our beliefs, and actually KNOWING (mathematically in these parts) that we can win this game of money. Past members came out of this module feeling relieved, forgiving themselves, and energized for continuing on.
The Road - we spend time on reviewing what you have done
You and Money
Challenge your beliefs around money
Your financial independence number
Financial wellness for you - digging into your why?
Let's dig into your numbers. This module is gonna be all about planning your income and expenses. It's going to include creating a thorough, realistic budget for your life. It's a critical step for building your financial habits.
Crafting a budget (ahem, spending plan) that works for your life
My no-waiting, start-this-second budget walk-through (it's how the women I worked with break the P2P cycle, after all)
Fund the important stuff - make your balanced life budget
Experiment in budgeting - it's like mad scientists using a real life lab (ahem, your checking account) to find your process that works for you
Solve for imbalances
Case studies of what's worked for other women
Let's kick it up a notch and dive into those things that make budgeting hard. This is where things can go haywire with our budget so we're going to make a plan to keep you on track.
Irregular income - the right way to manage choppy income or large chunks of money coming in
Missing piece to your finances - get you cash-prepared for handling those infrequent bills like car repairs, vacations, holidays, summer camps, etc.
Emotional spending
Overspending (plus, check out the bonus from Jen on how we double up on this)
Handling debt while budgeting
Finally, it's time to talk about debt. From onboarding, our GFW'ers tell us that 99% of members come in with some kind of consumer debt. If that's you too, we've got you covered. More people than I tell you (plus us too!) have gotten out of debt with this custom process I made using what I learned in MBA finance classes.
Get organized with all your debt details
Plan for your debt to go away. Finally.
Strategize your way to paying off your debt even faster with these tried-and-true case studies of what other clients did. No need to pay more in interest to the banks. Clients have saved thousands (that's hundreds a month!), in getting breathing room in their budget thanks to lower interest rates
Have a custom plan for getting out of debt, even if your budget can only manage $5 a week
Bonus: credit score improver to get the best rates to protect your score + save more
Finally, we get to the big "so what" - your financial independence number. When I learned about FI in 2013, it was what really kicked my love of finances into another world. Being debt free is awesome. Feeling in control of your money is awesome. But knowing that can win the money game is everything and adds so much comfort. This is time freedom. This is make money work for you.
Step-by-step method to crafting your FI number (yep, and we did in our mid-30s)
Light investing basics - let's brush on the thinking about your return on investment, how to make compounding work in your favor. Leverage.
Understanding your net worth and various methods of tracking it
Levers to pull to make FI happen faster for you
– GFW MEMBER
In the first lesson, I'll show you how your debt is likely worth hundreds of thousands, if not millions. But we need to pay back this program ASAP, right? Case studies, action steps on exactly how my clients quickly recouped their investment in GFW to gain serious momentum and save some cash. This video series shows you how to stack it together to make your commitment to Grow Financially Well a no-brainer.
$1,00 VALUE (YEP, I SHOW YOU HOW PAST GFW'ERS STACKED AT LEAST $1,000 TOGETHER)
Coach Jen Moulton, of Creative Momentum. She compassionately shares her financial story + created a specific financially-focused program just for the GFW community.
While she's had amazing success with her finances, she'll tell you the real unlock was working on her mindset to make it all happen.
The bonus includes mind-shifting elements of why you're here right now, your beliefs, what financial wellness is to you, and exercises to think differently.
$500 VALUE
For those that love more accountability, want to set bigger goals, the latest release of GFW 3.0 is all about 90 day sprints to stay hyper-focused on your ONE financial goal. Implementing these 90 day sprints have been life changing. The results unmatched. Not necessary for GFW success, but sometimes we all need extra motivation.
$400 VALUE
Six Monthly Payments of
✓ Instant Access to the Full Program
✓ $1800 Worth of Bonuses
✓ Access to weekly live calls to help keep you on track
✓ On-demand step-by-step content that has helped 100s of other women
One-Time Discounted Payment of
✓ Instant Access to the Full Program
✓ $1800 Worth of Bonuses
✓ Access to weekly live calls to help keep you on track
✓ On-demand step-by-step content that has helped 100s of other women
– GFW MEMBER
Even with an MBA from a top 20 business school and a former corporate career as an SVP at a mega US bank, it couldn't stop me from being in credit card debt and cashing out my retirement plan. I fell flat on my face but recovered.
Messy? A low point? Yes and yes.
It took having $89K in student loan debt plus a car loan in my 30s to finally "figure out money."
Yeah, so 6-figures in debt. 🙈
I've now worked with hundreds of women on their finances across all incomes, all careers, and all kinds of unique financial situations.
My process has helped them go from paycheck-to-paycheck to planning for early retirement.
Grow Financially Well®️ is the program that works on new habits to help you hit your biggest financial goals, feel better about money, and have a plan for getting ahead. Thriving. Not just making ends meet.
Want to just feel in control of your money - have a plan for your life
You're sick of making spending decisions based on your checking account balance
Over DIY-ing your finances and seeing no progress
You wish you had a nickel for every time you've tried to "work on your finances"...you feel like you've tried alllllll the things to get your financial house in order but you've got more debt
Trusting yourself with money....it's you, be even more amazing you
You want to find a trust-worthy community where other women are going through this too. Plus, we don't sell anything (other than this program)
Compassion. Genuine. Uplifting. Those words from GFW members. Not the vibes we get from others in the finance community. We know how to make finances work. We've done sticky situations. Been there ourselves even. We've seen it all. This balanced plan for getting ahead, knowing how money works, and using leverage to get ahead is what we're all about.
Working on your net worth is key. It's the world we live in. But going even further, we're a group that believes that having money, having financial margin in your life, getting out of debt, just flat-out gives you options. It compounds over time, literally and figuratively. Quit that job? Self-funding that business you've been scheming about? Dreamy house reno plans? Horses? Upgrading to business class to go to Paris? Our ladies have done that. It takes money to make things happen
She insisted that I did not need to live miserably and that bringing joy to the process of managing my finances is actually a very important piece of the puzzle. She emphasized priorities and talked me into some big adjustments in the nuts and bolts of how I manage my money which have made absolutely all the difference. She wants money to be boring, automated, simple. In my world money had always been a hotbed of drama, windfalls that would evaporate in the face of my "spend it while I got it" perspective...”
– DYLAN, GFW MEMBER
Six Monthly Payments of
✓ Instant Access to the Full Program
✓ $1800 Worth of Bonuses
✓ Access to weekly live calls to help keep you on track
✓ On-demand step-by-step content that has helped 100s of other women
✓ Instant Access to the Full Program
✓ $1800 Worth of Bonuses
✓ Access to weekly live calls to help keep you on track
✓ On-demand step-by-step content that has helped 100s of other women
One-Time Payment of
Oh, I have been there for sure (hello, credit card debt I could never get rid of!).
Here’s what has made all the difference for me and my clients:
If you do the work + show up for yourself, you have a money-back guarantee. You literally have nothing to lose but some stress, a bit of debt, and the worry, but everything to gain IMO. 🥰
With the monthly plan, you can pause and resume your subscription as often as you need to ensure you're only paying your designer when you have work available for them.I get it. Signing up for a program when you feel like the world is spinning so fast every day. Who's got time for adding....one....more....thing...
I know I don't and I'm sure you don't either.
But....
Let me gently nudge you that if finances have been on your list for many years now, I think we've gotta start now.
The thing about finances is that our money compounds.
Paying off debt faster? Feel good about our money plan?
You'd be surprised what a few minutes with your money, this program will do for your finances + your well being.
Finances are a lot like health. If you don't make the time, then it will catch up with you.
My process is very much based on habits + routines....based on where YOU are at and the financial phase you're in.
You don't need to do all the things. But do you have minutes to add a painless habit in? Then that will work!
We focus on the highest return on investment activities for YOUR life.
As you see progress, you'll get more and more interested in coming to the calls, stacking your financial wins, being in the community because the finances finally feel.....fun! 😱
I understand.
But I also understand how to work with lots of women, of different incomes and debt levels, different personalities on finding them find a plan.