Mastering personal spending | LiveCoach
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Calls: $30
Messaging: $29/wk
With eight kids and a nanny, it’s not always easy to track expenses. I came into Tim’s program having little involvement in our family’s finances. My husband worked in finance and he had always taken care of this. At the same time, I was very busy and stretched with just caring for the kids. With the economy’s downturn, I knew I needed to have a better overall sense of where we were financially, but making the time to understand this big family operation was overwhelming. Tim took the time to break down the action steps,so I could get a better handle on my daily expenses without feeling completely overwhelmed with the process. I started getting a grasp on all our monthly household expenses, which wasn’t easy with three teenagers and a nanny who all had credit cards. Tim taught me how to use an envelope system and I began paying for things with cash to better understand where our money goes on a daily, weekly and monthly basis. This was hugely helpful for me. I never liked the idea of credit cards, but somehow they became associated with ease and convenience, even down to the level where I could swipe a card and hold a baby at the same time. In actuality, credit cards were distancing me more and more from the big picture. I realized in tracking our expenses over several months, that I spent way more than I realized on groceries (a ton more!), kids activities, and eating out…all those expenses I thought we ‘just have’. I started questioning where I spend money, even going so far as to challenge myself on where my kids go to school. Although some things didn’t change and we decided to keep certain expenses like household help, the exercise alone made me grow so much. I think about daily purchases so differently now. We have always been blessed with a healthy family income, but this process allowed us to see where expenses were just “happening” to us. My husband and I, with Tim’s help and insistence, took several dates to sit quietly and think together about what we really want long term, and see where we agreed. We realized in the process that having a vacation home means more to us than private schools, and we are working hard together now to hone our expenses so we can achieve our dreamm of having a lake house in the next few years. I no longer feel removed from the process, and I feel so empowered by spending with cash. It makes me think every time I buy something in a way that I never did with credit cards. I highly recommend Tim for couples who need help getting on the same page and understanding their mutual long term goals. Additionally, I also want to say that I really recommend Tim for moms. He had a way of communicating to me that I understood. This was not a process I felt comfortable with at the beginning. It just wasn’t ‘my thing’ and I had trouble with all the numbers. But Tim broke it down for me in concrete steps that I could easily adopt and make my own without any fear. If you need help getting involved in your family’s finances and understanding where the ‘holes’ are in your finances, Tim can help you. If you are a mom like me and find yourself spending for convenience and losing track of your kids costs’ with school supplies, activities, lessons and clothing, Tim will help you find a system that works for you. Having a coach like Tim really makes this process so much easier and sustainable.
Calls: $39
Messaging: $29/wk
My husband died suddenly and I was struggling with grief and feeling overwhelmed with being a single mother while facing financial challenges. Dr. Kramer helped me to work through the grief while at the same time setting goals and taking steps to address finances, helping my children cope, dealing with loneliness. I never thought I could be happy again, but I am. I am more confident, independent and in control of my life.
Calls: $50
Messaging: $29/wk
When I started my 90 Day Program with Coach Tim I was in bad shape and feeling stuck and defeated about what I was doing in life. On top of it my fiance' and I had just gotten engaged and started planning our wedding when she was laid off so we were really down. The tools that I acquired while working with Coach Tim allowed me to see where I was failing and gave me the tools and confidence I needed to turn my entire way of thinking around. Working with Tim made me not only a better, happier person but also a stronger partner. It made such a positive change in me that my fiance' signed up soon after and our 10 year relationship is stronger than ever!
― Will S.
Calls: $50
Messaging: $29/wk
Talking about money and debt is hard. It can be embarrassing and for me I had a lot of shame and guilt surrounding my situation. Amy came into my life and treated me with kindness and showed me empathy as we worked through my financial mess. She brought knowledge and humour to our sessions and I never felt judged throughout it all. I know when I hit a bump in the road, I can reach out to Amy and she helps guide me back. With her help I have been able to pay of debts, make a budget, save money and have an overall understanding of how money affects me. Amy is definitely one woman you need to have in your life if you are trying to make better financial decisions.
― Taya S
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Mastering Personal Spending

There’s nothing wrong with spending money on personal things. However, it is important to know how to do it right. Mastering personal spending can be complex and challenging. It doesn’t matter what a person’s income or expenses are – knowing how to dedicate the right amount of funds to personal things is key for maintaining financial stability.

Rather than simply trying to spend according to spur-of-the-moment decisions or taking a trial-and-error approach, most people want to have a better strategy when it comes to where their money goes. Coaching can be valuable for gaining a better understanding of what personal spending is and how to handle it responsibly.

Coaches helping individuals craft better personal-spending habits will assess that individual’s income, the financial obligations they have, and their history as it pertains to personal spending. Not only can professionals help point out things that should be corrected, they can also suggest new ideas.

Sometimes, this involves creating a static budget with a certain amount allotted for personal spending each month. Other times it can mean making a decision based on the leftover money after all current bills and debts have been addressed.

Good money management is important for maintaining a stable and healthy life. Personal spending can be very rewarding, and even more so when it is handled with care. Turning to professional coaches can help anyone master this important financial skill.

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