Find peace of mind about money during times of change.

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Hi, I'm Julia

I'm a certified You Need a Budget (YNAB) budgeting coach

Do worries about money keep you up at night?

Do you feel like you you don't have a firm grasp on your finances?

Are you going through a life change and are unsure how it will affect your finances?

I can help you set up a budget that reflects your priorities and be your coach, cheerleader, and support person as you achieve your financial goals.

A Little About Me

I live in Nova Scotia, Canada with my husband, two children, two step-children, and our beloved beagle, Bella.

I’ve had my share of fresh starts. Most recently, my husband and I "blended" our families in June 2019, only months before the pandemic!

Life is definitely busy, but thanks to budgeting, money isn't the huge stressor that it used to be.

I have gotten off of the paycheck to paycheck cycle, pay day is now a bit of a non-event.

I save for Christmas throughout the year. My budget for gifts is ready to go in November.

We have an emergency fund for Bella, instead of paying for expensive pet insurance.

I save for my children' s activities well in advance. When the big bills come, I just pay them.

Despite how complicated stepfamily finances can be, my husband and I are on the same page about money and work together as a team.

Budgeting Has Changed My Life

What is a

Budgeting Coach?

I can certainly teach you how to use YNAB, but I am not just a YNAB teacher. As a coach, I provide guidance, perspective, accountability, and support.

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If you feel over-whelmed, I can help break things down into small steps.

If you have a hard time staying on track, I can keep you accountable and give you a (small!) push as needed.

If you want to talk things through, I am neutral and supportive. I am your biggest fan!

If you need help making a plan that makes sense to you, I can work with you and provide ideas you haven't thought of.

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Coaching Programs

My current program offers are below.

If you are part of a stepfamily, I have a program designed just for you:

The Stepfamily Money Management System.

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Dig In!

One Month budget set up and launch

By the End of the Program

  • You will feel more in control of your money
  • You will feel more confident in your ability to manage your money
  • You will have a complete picture of your personal finances
  • You will have practiced good budgeting habits
  • You will have a day-to-day budgeting plan

What's Included

  • Four 60-minute calls
  • The YNAB book
  • Homework assignments
  • Support by email
  • Two free months of YNAB
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Weed, Water, and Prune

Monthly coaching

By the End of the Program

  • You will have a plan in place for reaching your medium and long term financial goals
  • You will be well on your way towards reaching those goals
  • You will have created long lasting budgeting habits
  • You will have a plan in place to get back on track should things start to slip

What's Included

  • Two 60-minute calls per month
  • The YNAB book
  • Homework assignments
  • Support by email
  • Two free months of YNAB

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"I have been an off and on YNAB user for a while but couldn’t seem to stick with it. Julia and I met for a few sessions and she really helped me iron out my budget and get things organized to help make YNAB work best for me. She is very knowledgeable about the program and enthusiastic about helping others. I would highly recommend Julia as a coach!"

-Natasha M.

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"Personally, I benefited from the completely non judgmental approach. Julia brought a positive attitude and approach and simple, realistic tips."

-Beverly N.

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"I appreciated the patience and time allotted to work through my budgeting needs. It was helpful to have another perspective on how to approach a budget."

-Lisa G.

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Contact Me

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*I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or its affiliates.