Financial Freedom Coaching
"What then is freedom? The power to live as one wishes." Marcus Tullius Cicero
If you feel worried wondering where your money goes each month or frustrated trying to reduce debt or overwhelmed trying to create a budget with so many uncertainties, know it does not have to be that way! As a Ramsey Preferred Financial Coach, I can help you achieve your financial goals by providing resources and tools, and support you through every step it takes to create a budget, become debt free, build wealth, enjoy financial peace and create a legacy they can be proud of.
If you need help getting your finances in order or learning the basics of budgeting, you might consider seeking the help of a financial coach which is different from other financial professionals. Coaches help their clients understand and establish the fundamentals of personal financial management, rather than recommending investments and managing portfolios as do financial advisors.
Why have a Financial Coach?
Although there is such an abundance of wealth and resources in the world, so many people struggle generating income and managing their finances. Money and financial stress can be detrimental to not only one's relationships but also to one's own physical and emotional health, creating anxiety, guilt, shame and fear. A financial coach can help you understand your financial strengths and weaknesses and the obstacles that prevent your financial freedom. Your financial coach can help you develop healthy habits, create pathways to savings and empower you to take full responsibility and accountability for all your financial choices and decisions.
"Many people take no care of their money until they come nearly to the end of it,
and others do just the same with their time." Johann Wolfgang von Goethe
Working with a financial coach is the first step to financial freedom. Imagine living the lifestyle you desire instead of living pay check to pay check, burdened with debt. Imagine having more than enough time and freedom to pursue your lifelong dreams, and supporting the dreams of those you love and care about, making this world a better place in your special way.
"I believe that through knowledge and discipline,
financial peace is possible for all of us." Dave Ramsey
"When I finally paid off all of my debt, it felt like this giant weight was lifted from my shoulders and I could breathe again. With this new freedom, I was and still am able to control my finances to build wealth, buy a home and have the certainty that I will never be imprisoned by debt again." BG
"Too many people spend money they earned to buy things they don't want,
to impress people that they don't like." Will Rogers
What a Financial Coach can do for you
After getting an overview of your current financial scene, your financial coach can help you create a realistic budget that is easy to follow and manage, start reducing your debt and establish new habits so that you can achieve your financial goals. As your Financial Coach, I can help you:
See that financial freedom is really possible, no matter where you are at financially
Help you create a picture of what financial freedom would look like for you
Make a realistic plan with specific goals to achieve your dreams
Establish an emergency fund and long term savings
Get out of debt
Build a working budget
Improve communication about money
Help you make a plan to reduce spending and generate more income
Navigate through a financial crisis
Learn how to deal with collectors
Make sure you have sufficient forms of insurance (such as life, health, disability, automobile, home owners/renters, long term care, identity theft)
- Ensure you have a will and trust for long term estate planning
Determine what retirement planning you need or want
Hold you accountable to your goals
Dave Ramsey’s Seven Baby Steps to Financial Peace
Put $1000 in a beginner emergency fund
Pay off all debt using the Debt Snowball
Put 3 to 6 months of expenses into savings as a full emergency fund
Invest 15% of your household income into Roth IRAs and tax-favored retirement plans
Begin college funding for your children (or another major long term investment)
Pay off your home early
Build wealth and give abundantly
Your next step to financial freedom
Contact me to schedule your discovery session today.
Call me 925-322-8166 or email kt@KristinTomczak.com
or click below to set up a free consultation!
Completion of Ramsey Solutions Financial Coach Master Training does not create an employment or agency relationship with Ramsey Solutions or its affiliates; it does not constitute a license or credentials to engage in legal, tax, accounting, investment, or other professional services; nor does it constitute an endorsement or recommendation of the Coach by Dave Ramsey.
"Be aware of little expenses.
A small leak will sink a great ship."
"By failing to prepare,
you are preparing to fail."
"An investment in knowledge
always pays the best interest."