ABUNDANT BUDGETS
Create the Financial Plan and Systems that Build the Life You Want
 New Digital Option Coming Soon!    
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MASTER YOUR MONEY.
MASTER YOUR LIFE.

  Abundant Budgets is a personal finance coaching program that coaches you through each step of building a budget that fills your life with what you love and value most, plus five systems that make your money life so much better.   
  You don't have to be in the dark or overwhelmed anymore. I will personally coach you through each step, in the right order.  
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STRAIGHT FROM HAPPY CLIENTS
"Ruth teaches sustainable practices that lead to change."
"Ruth has changed my life!

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.'  ; )"
Jon Molofsky, Idaho
What You'll Learn:
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A Healthy Relationship With Money 
- See your money in a way you never have before; a way that will revolutionize the way you interact with and manage it. 
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Money Decisions 
- Create a system for making money decisions in any situation. 
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Banking and Bill Pay 
- Create a system that ensures your money is physically where it needs to be exactly when you need it there without your constant involvement 
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Budget and Track Money 
- Create a winning plan for spending your money where you need and will actually value over the long run.
 
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Irregular Expenses 
- Create a system for funding all those pesky, irregular expenses that previously made budgeting feel impossible. 
Debt and Credit 
- Learn how to improve your credit score
 
- Successfully tame and break up with debt and your other money leaks once and for all.
 
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Food and Groceries 
- Create a system and skills to keep food and groceries from sabotaging your budget without living on beans and rice 
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Preserve Your Money 
- Manage life's risks safely so you can live your adventures fully. 
Make and Grow Money 
- Confidently invest in the best places for your situation and goals 
- Brainstorm side hustles and ways to bring in extra money 
Work with a Partner 
- Create a system to communicate, negotiate, and operate successfully as the unique couple you are. 
Will Power 
- Understand what your will power is and scientifically proven ways to boost it
 
Kids and Money 
- Learn how to teach your kids to make and manage money
 
STRAIGHT FROM HAPPY CLIENTS
 "I never thought money could be fun." 
 Sheri Brasier, Idaho 
Course Features
One Payment
$996 
Price Dropping!
Best Deal
  •  15 Awesome lessons PACKED with content ($2000 value)
  • Live coaching and support ($3200 value)  
  • Total access to Ruth Liebel's Toolbox ($450 value)
  • 2-months free YNAB Budget trial ($24 value)  
Bonuses:
  •  60 Minute Private Coaching Sessions ($200 value) 
  •  Simple ways to reduce your tax liability ($100 value) 
Three Payments
$332
Price Dropping!
Cash Flow Conscious
  •  15 awesome lessons PACKED with content ($2000 value)
  • Live coaching and support ($3200 value)  
  • Total access to Ruth Liebel's Toolbox ($450 value)
  • 2-months free YNAB Budget trial ($24 value)  
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Bonuses:
  •  Simple ways to reduce your tax liability ($100 value) 
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LIVE Expert Coaching

Live group coaching calls with Ruth. Get all YOUR questions answered. Work on YOUR stuff. Fantastic support, and inspiration!  

Recordings 

   Schedule conflicts aren't a problem. You can access the content at your convenience and review again and again to master the concepts.    

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Tools and Resources

Abundant Budgets includes LOADS of resources from Ruth's endless toolbox; guides, short-cut links, discounts, Pro network, etc., etc., etc., to save you time, short-cut you through the overwhelm, and help you get stuff done!    

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FAQ
STRAIGHT FROM HAPPY CLIENTS
"I went from fearing an impoverished old age, to earning, saving, spending, and investing with determination toward my dreams."

  "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. Withing a few months of working with Ruth, debt was dissolving significantly and our financial future looked secure. I spend 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!
 

 Summer Larson, Utah 
Abundant Budgets helps people take control of their money.
BUT IT'S NOT FOR EVERYONE. 
How to Know If You Are Ready
BRAIN SPACE

 You need to have the brain space and time to make your finances one of your main focuses.

Course and homework can be done at your own pace, but ideal to schedule 2-3 hours per week for the work.

Abundant Budgets 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. 

STABLE FINANCES
You need to have sufficient income to pay all your regular bills and minimum payments. Paying for the course should not put you in financial hardship.

ANY question can be addressed during the group coaching sessions, but the prepared content in Abundant Budgets does not focus on dealing with creditors or managing financial crisis. If this is your primary concern, email me and I can great resources and people to help you.
WANT HELP
This is not a program for those who have a passive interest, or who are not ready to confront the chaos and do the work.

The desire to engage as much as possible is important for success.

While participation in the coaching sessions is not essential, the high level of personal attention is a special difference compared with other online financial courses. 
GOOD VIBES

 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.

DEDICATION

 Coaching can certainly refuel a fire when it's low, and Abundant Budgets 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. 

RELIABLE TECH
You do not need to be a tech whiz (I am NOT one), but ownership and basic comfort with a laptop and a smart phone is important for this course. A web cam is preferred for group sessions.
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STRAIGHT FROM OUR HAPPY CLIENTS
"It's worth every penny!"

  "Our biggest lightbulb moment was getting on the same page about spending money. That was huge for our relationship and has healed something that was a real struggle for both of us!

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 years to come! She got us out of a sticky situation and into the future! It's worth every penny!"
  

 Amanda Lewis, Idaho 
A LITTLE ABOUT COACH RUTH
  • I love money stuff but I don't love math or complicated things. Reading 401k and insurance stuff is really boring. 
  • I try not to use 4-letter words around my kids ....and adults....but sometimes there are just no other words.....
    • I am a fan of parables and stories for teaching. They are WAY more powerful and fun than a lecture.
      • I know how hard asking for help can feel! It's also liberating and life changing when you ask the right people.
        • I don't believe in a one-size-fits-all solution. I love to give people a solid place to start and help them cherry pick what works for them and what doesn't.
        • I really don't like commitment, because it is so concrete. But I love commitment, because it is so concrete.
        • I believe you are your best financial adviser if you have good information.
          • I have VIP membership in the lazy club AND the tenacious club.
            • I believe God wants everyone to create and live in an abundance. We just have to be willing to do the work and not rush what we can't control.
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            I'm Ready to for Abundance!
            STRAIGHT FROM OUR HAPPY CLIENTS
            "She's helped me surpass my goals."

              "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." 

             Mackenzie C. Utah 
            FAQ
            1. Why would I pay for a coach or course instead of just putting that money toward my financial goals? 
            Albert Einstein said, "We can't solve problems with the same thinking we used when we created them."

            If you truly want the huge benefits of this course and are just sincerely working through the math of your situation, I encourage you to focus on the benefits rather than the cost. If you commit to the course and do the homework assignments, the money will come back to you 1000's times.

            If it helps, every client to date who did the work with even moderate effort reports it was worth every penny.

            If you aren't sure I'm the girl for you, I recommend you take a look at my free resources first including my video series about wealth and money. You are also welcome to schedule a free consultation.
            2. How could I pay for a coach or course when I'm already living paycheck-to-paycheck? 
            "If you think education is expensive, you should try ignorance." - Derek Bok

            Clients usually find the money in their current budget using their new budgeting skills. Some decide to pull from savings. Other people cash in on Birthday/Christmas money or sell stuff hanging around the house or storage unit.

            Some employers will pay part or all the cost. Some clients take the skills they learn in the course and make the money. Some have even earned promotions and raises at work from applying the skills they learned.

            I discourage the use of credit cards because there is always another way; finding the funds could be looked at as your first homework assignment. That said, I understand those skills are exactly what you know you lack and I am so confident in what I teach in my course, so if you really can't figure out another way in short notice, and if you are committed to doing the work, then.....
            3. Can I learn at my own pace? 
            Yes! I certainly understand the schedule demands of productive adults, which is why I have worked so hard to make my content digital. The course content moves you through each piece as you complete the previous one. And you can bring up whatever you are working on in the moment in the live group coaching sessions.

            That said, The results promised from the course are created by completing the homework assignments. 

            4. Are you accredited or licensed by educational organizations? 
            There are no licensing or accreditation requirements to be a financial coach. However, I do have a bachelor's degree in family finance--my practicum was in financial counseling, I am a YNAB Certified Coach, and I completed Ramsey Solution's Master Training program. I have been budgeting and investing since my youth, and have helped 100's of people create useful budgets. I do not take lightly the trust and confidence people place in me, and I work hard to be as competent and professional as possible. If you would like more info about my qualifications, visit my About Page
            5. Does coaching really work? 
            YES. Yes. Yes.
            Coaching can increase your success by more than 80%.

            Financial coaching is not a service of hours worked but of TRANSFORMATION.

            • Changed insight
            • Better tools--physical and metaphysical
            • BIG support and awesome accountability
            • Time saved
            • Money saved
            • Frustration spared
            • and RESULTS, result, results!

            Financial coaching is even beneficial when done vicariously, which is one of the great things about group coaching. Even if you don't know what questions to ask, you can learn as you watch other people work on their stuff.
            6. How much personal coaching will I get? 

            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, and there is a comment feature inside the course.

            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.

            7. What are the technology requirements? 
            All coaching sessions are done via Zoom; you don't need to download anything, just join the meeting via the provided link via email and your membership portal.

            While not essential, a desktop makes it easier to share your screen and troubleshoot budget tech stuff.
            8. Do I have to use YNAB to benefit from the course? 
            No, with a caveat.

            You can use any budgeting system with which you are currently comfortable. You will just be flying solo more in the technical parts of setting up your budget. This may not be a problem if you find the majority of value in the accountability and all the other content that is independent of YNAB.

            That said, I am familiar with a LOT of different budgeting software, apps, templates, etc., and YNAB is by far THE best. People really love it once they get past the conversion to a new system. If you are comfortable with technology and use smartphones and/or a desktop daily, YNAB is definitely worth trying.

            See my Budget 101 freebie for more info about my most recommended budgeting tools.

            9. How much time will the course take? 
            The course is 12 weeks long and each week's homework will take 3-5 hours per week. There is flexiblity for sickness, or a vacation week, or just a crappy week. However, you will be most successful if you plan to make this course high on your priority list.
            10. What is the return policy? 
            The short answer is there is a no refund policy.

            I don't make any promises about outcomes from the course because part of the results are based on the clients' efforts which I have no control over.

            But I do promise to show up every session prepared and ready to provide as much value as possible. I am deeply invested in my clients' success, but I never do the work for them and I refuse to care more than they do. I never tell anyone what they have to do. My job is to help you understand yourself and your options very clearly so you can make the best decision for you.

            Too often, I see refund policies enable indecision or lax commitment, which are two things I help clients to reduce in their life. If the course sounds like the help you want but you still have questions or concerns not addressed in the information about, I encourage you to contact me or schedule a consultation.

            If unforeseen life happens during the course that makes it unreasonably difficult to continue with the course, I am more than willing to work out a solution with clients who communicate with me. I am totally invested in all my clients' success, and 99% of the time clients would rather have help than a refund.
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