We both thought coaching couldn't do much. We thought we were surviving just fine. But after that first session it became clear how much Ruth could help us and it was really huge for us. I honestly needed a coach. I hadn't learned much about money growing up, so I learned a ton here and after just 3 sessions, I felt way more prepared for facing financial hurdles and budgeting!
Our biggest lightbulb moment was getting on the same page about spending fun money. That was huge in our relationship and has really healed something that was a real struggle for both of us! Ruth also changed my perspective. I thought because I didn't have a degree I couldn't get a good paying job. Turns out I can and I have! I start next week! Without her I never would have applied for anything like the job I found!
Do it!!! It will be worth it all the way. Ruth can help you get the help you need and the help you don't know you need! If we hadn't had her help, we would still be in the same struggle bus for probably years to come! She got us out of our sticky situation and into the future! It's worth every penny!
Financial coaching felt far too expensive when I started, but the financial gains exponentially overcame the expense of coaching. Coaching with Ruth far exceeded my expectations.
I wanted to feel financially competent and start to overcome what felt like insurmountable financial hurdles. Within a few months of working with Ruth, debt was dissolving significantly and our financial future looked secure. I spent a lifetime feeling like I was "bad with money". When I realized that wasn't true, everything changed. I went from fearing an impoverished old age, to earning, saving, spending, and investing with determination toward my dreams. And I dream big!
I can not praise this process enough. Ruth listened without judgement and worked hard to add value to every session. It was worth every penny. I wish I had done this twenty years ago.
Each week there will be a 60-minute group session with Ruth to discuss the content for the next week and help you keep momentum toward your goals. This is a valuable opportunity to ask your questions, work though your roadblocks, troubleshoot budget tech hiccups, and learn from other members' lightbulb moments. Major inspiration!
Each live session will be recorded, and you can access the recordings later at your convenience so you don't have to worry about missing important content due to schedule conflicts. You can review the recordings again and again to master the concepts.
The course includes a 94-day free trial of YNAB, the best budgeting app ever which is the main budgeting tool we will use in this course. Budgets for Abundance includes LOADS of other resources from Ruth's endless toolbox; Guides, short-cut links, discounts, pro connections, etc., etc., to save you time, short-cut you through the overwhelm, and help you get stuff done!
You need to have the brain space and time to make your finances one of your main focuses for 12 weeks.
Sessions and homework will require around 3-5 hours per week; the first few weeks require more time than the later ones.
Budgets for Abundance includes access to Ruth's expertise and endless resources that will save you all the time and energy possible. Once in place, the savings in time, energy and money that your budget and systems will create in perpetuity is definitely worth the investment.
Financial conflict in marriage may be a big motivator to join this course, but it is important that trust and communication between spouses are still functional.
The presence of compulsive gambling, higher levels of financial infidelity, or high conflict in multiple areas of marriage is better served with marriage therapy and private coaching.
Coaching can certainly refuel a fire when it low, and Budgets for Abundance is loaded with inspiration. However, you must come with dedication to improve your finances, willingness to try new things, and commitment to do the homework. Motivation and follow-through can be encouraged, but not purchased.
“I love working with Ruth. After trying to manage all of the information that I have read and listened to, I was still not where I wanted to be financially. Sure, I knew a lot about the whys and hows but I was struggling with where to start and how to prioritize my actions. Ruth has helped me understand Me, and how to customize the tools and information in a way that best serves me and my circumstances. She helps me keep my eye on the prize.
After our first session, I felt happy, excited, comforted and most of all, hopeful. It’s not like I’ve never felt hope before, but I have continued to feel hopeful with the same intensity since our first session because I believe that I can truly become a master of my money. The coaching I am receiving is impacting more than just how I manage money, it is improving every facet of my life.”
"Ruth has been such a huge motivator in my financial life as well as other life goals. She is great at supporting others and giving some very much needed feedback. She has helped me feel more confident going forward with my financial goals. She’s helped me surpass my goals and is wonderful at following up on those goals. She truly cares about her clients and I would gladly recommend her to my family and friends."
Ruth has changed my life! Yes, I know you could save the money to pay something off but does that change your habits? Has that helped you make any progress thus far? Ruth teaches sustainable practices that lead to change. Do yourself and your relationships a solid and get in touch with Ruth. She will not let you down. Don’t spend another moment stressed about finances. You can make a change. ‘Work is the vehicle of change. Let’s make some change!’; )”
Financial coaching is not a service of hours worked but of TRANSFORMATION.
LOTS! I encourage participants to really use the live coaching time during each week's session. I am always available via email for questions that are time sensitive. Also, when there are schedule conflicts , participants are encouraged to email me their questions or concerns, and I will address them in the session to be watched via the recording.
If you opt for the single payment option, you get a 60-minute private coaching as one of the bonuses. This can add HUGE value. Private coaching session can also be purchased on the side at a discounted rate; this option is limited to availability.