Are you over 40 and still struggling to make your budget work for you? Especially when you know there are goals you want to reach such as a vacation fund, some emergency savings, and even some money put away for retirement. When you choose to have your finance lessons with me, you can expect that we will address your specific challenges. I understand firsthand the struggles of managing finances, particularly the frustration of not having enough money despite earning a good income. I have personally experienced the concept of "spending creep" and successfully overcome it by developing a plan that resonated with me. Spending creep refers to the tendency of increasing spending as income rises, leading to constantly feeling like you're always behind. It can be embarrassing because deep down, you know better but you struggle to stay on top of your goals. My plan will help you align your money with your values, set up a plan that is deliberate and intentional, and allows YOU to direct your money where you want it to go, instead of allowing it to follow along a path of destruction! By working together, we will develop strategies to curb spending creep, set realistic financial goals, and establish sustainable habits. You will gain the confidence and tools necessary to make informed decisions about your money and achieve long-term financial stability. Let's get started then!