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

  1. Put $1000 in a beginner emergency fund

  2. Pay off all debt using the Debt Snowball

  3. Put 3 to 6 months of expenses into savings as a full emergency fund

  4. Invest 15% of your household income into Roth IRAs and tax-favored retirement plans

  5. Begin college funding for your children (or another major long term investment)

  6. Pay off your home early

  7. 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!

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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.

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"Be aware of little expenses.

A small leak will sink a great ship."

"By failing to prepare, 

you are preparing to fail."

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"An investment in knowledge 

always pays the best interest."

Benjamin Franklin