Do money worries keep you up at night?

Do you feel like you’re not in control of your finances?

Do you want to take action but just don’t know where to start?

Hi, I’m Julia. I’m the owner of Fresh Start Money Coaching and a certified You Need A Budget (YNAB) coach.

I can help you take control of your money, find peace of mind, and reach your financial goals - judgement free.

Fresh Start Financial Flourish is my signature money coaching program.

If you’d like to …

✅ sleep well at night knowing that you’ve got your finances under control

✅ have a crystal clear understanding of your overall financial picture

✅ have a day-to-day money management system and budget in place that works for you

✅ have healthy financial habits and rock solid routines

✅ have a plan in motion to reach your long term financial goals

… then my Fresh Start Financial Flourish program is a good fit for you!

It is a personalized one-on-one money coaching program.

I do not insist on a particular step-by-step approach to achieving financial stability or prosperity.

We will talk through the pros and cons of various approaches and you will decide your path and, by the end of our time working together, the path will be crystal clear.

It's not just about teaching you the key concepts - I will actively listen, ask insightful questions, show empathy, and provide encouragement. I will hold you accountable, but with a gentle approach that keeps you motivated and on track. We will also celebrate your wins, big or small!

Want to learn more? Just click the button below to book a free, no-pressure consultation.

It follows my signature four-phase framework …

  • Phase 1: Clarity

    We will look at your finances from two directions: backwards (at your past spending) and from above (at the “big picture” of your financial situation using the Financial Fit Check and other tools). You will identify and solidify your short, medium, and long-term financial goals.

  • Phase 2: Control

    The focus shifts to day-to-day money management. You'll create and learn to use a personalized budget (using YNAB or another option) aligned with your goals and explore effective strategies like automation and account simplification to streamline your financial processes.

  • Phase 3: Consistency

    This crucial phase hones in on developing effective money management routines, reinforcing healthy financial habits, and addressing any mindset shifts essential for long-term financial well-being.

  • Phase 4: Cultivation

    As we approach the program's conclusion, we'll dedicate time to looking ahead. You'll become comfortable using a retirement calculator and you will craft a plan for your money that extends well beyond our time together.

Book a Free Discovery Call

…and is PACKED full of value.

Coaching Calls

Bi-weekly one-on-one coaching calls and short check-in calls as needed.

Tools and Resources

We will build your own library of tools and resources and you can take them with you when your program is finished.

Homework Assignments

You will have “homework” in between calls, which is intended to propel your progress along.

Email Support

I’m only a quick email away if you have any questions or need support between calls.

2 Free Months of YNAB

This is in addition to the 34 day free trial that YNAB offers to new customers.

A Spending Analysis

At the start of your program, I will do an in-depth review of your past spending. No judgement! Just good data to get us started.

A Customized Budget

We will build a customized budget in YNAB or whatever budgeting tool you choose to use.

Regular Check-Ins

I will check in with you (and your budget) in between calls and flag any issues.

A Detailed Plan

We will spend the time together building a customized step-by-step plan to reach your medium- and long-term financial goals.

Dig In! is my YNAB budget set up program.

Blast up and over the YNAB learning curve! I coach you as you build a customized budget in YNAB that works for your life and your goals.

By the end of the Dig In! program, you will …

✅ feel more in control of your finances

✅ feel more confident in your ability to manage your money

✅ have a customized budget set up in YNAB (and you’ll know how to use it!)

✅ have practiced good budgeting habits and routines so that your success continues after we have finished working together

Dig In includes ..

Coaching Calls

Four one-on-one coaching calls. The focus is on YNAB set up and use as well as day-to-day budgeting habits.

Check in Calls

Short check in calls in between your regular coaching calls as you are learning to use YNAB.

Homework Assignments

After each call you will have “homework” to complete before our next call.

Email Support

I’m only a quick email away if you have any questions or need support between calls.

2 Free Months of YNAB

This is in addition to the 34 day free trial that YNAB offers to new customers.

A Customized Budget

We will build a customized budget in YNAB that fits your life and your financial goals.

“Our holiday season this year was one of relaxation... for the first time in years. We asked ourselves why this year was different. Our weather patterns have stabilized. Our families have grown organically. We gifted what we could, no more. I had my wrecked knee replaced, and during this time we both continued to connect with our friends... our tribe. Delia has been remarkable for keeping our finances in check. Again, I am fortunate to be on her team! I glaze over, she snaps her fingers, I listen! Your work gave us a game of inches, a few nudges and defaults, that have worked. We are in a good space. We feel strongly that your work has been instrumental to getting us to where we are today, and we both are very willing to testifying on your behalf! May the world always tilt in your favor!”

-Delia and Tony P.

You might have a few questions.

How do I know which program would be a better fit for me?

If you are looking to make a transformative change in the way you manage your money and find a clear path to reach your longer-term financial goals, then I would recommend Fresh Start Financial Flourish.

If you’re looking to focus on YNAB only (whether you’re new to it or looking to come back and do a -ahem- fresh start), then Dig In! might be the better fit.

We can talk through the options on a Discovery Call.

I share finances with my partner. Can they join the program too?

Absolutely! I really enjoy working with couples.

I’m so late starting to save for my retirement! There’s no hope for me!

As a fellow "late bloomer," I understand how your feel! Rest assured – it's never too late to start saving for retirement. In Fresh Start Financial Flourish, we can develop a plan together to get you on track to reach your goals.

I’m overwhelmed. Where do I start?

I am good at reviewing the big picture and seeing things that you might not see. I will propose clear ways that you can take action and you decide on what the first step is.

I’m not sure if I’m ready for this. Working with a coach seems like a lot of work.

I get it. With my step-by-step approach you will make progress without feeling completely overwhelmed.

How long will the Fresh Start Financial Flourish Program take?

On average, it takes approximately four to six months to progress through the four stages of the program. However, everyone is different and some people can take a little longer. Once through the four stages you may wish to continue your coaching program with me for even more accountability and support.

What happens after I complete the program?

The support and accountability that comes with money coaching does not have to end. You will be invited to join my low-cost maintenance program. This program includes monthly office hours calls and semi-annual coaching calls.

Do I have to use YNAB for my budget?

YNAB is an optional tool in Fresh Start Financial Flourish. I think YNAB is the best zero-based budgeting tool in the land! But, as I have learned, the same tool will not work for everyone.

Are you going to make me stop buying my daily coffee?

I’m not going to make you do anything! What we will do is talk a lot about your values and your financial goals and you will decide on any spending changes you want to make. If that daily coffee is really important to you then you might decide keep it in the budget! No judgement from me.

How do I know if I’m ready for money coaching?

You are ready to invest in yourself, do the work, and are open to making some shifts (big and small) in the way you spend and manage your money. In return, you will learn skills and make changes that will benefit you for the rest of your life!

Here is what a some more of my clients have had to say about working with me ..

  • Julia is kind, empathetic, and funny. Meeting with her feels like meeting with a friend and having a specific conversation about finances. She knows when to push her clients a little harder to face reality but does so in a way that is encouraging and non-threatening. I have broken the paycheck to paycheck cycle and have a much better awareness of where my money goes. I love the concept of giving every dollar a job and having enough to make my money work for me. It is such a relief of stress to not have my checking account overdrawn each month. I'm in control of my finances instead of letting them control me. My savings account has been stable since December, which is a real blessing!

    Noel O.

  • This was such an invaluable experience. Julia really got me thinking and working on my finances, she wasn't pushy or judgmental in any way. She asked the right questions to get the ball rolling. I can’t believe where I am at, after just 3 months of working with her. I am excited to be in her maintenance program to keep the accountability going.

    Kari S.

  • Julia brought patience, compassion and understanding. She clarified parts of YNAB that weren't intuitive. The homework forced us to look at our finances more closely. Thank you for guiding us through this journey. It was a bit humbling to see we're not in as good a place as we thought, but great to catch it and stop us from committing to significant new spending that we couldn't afford.

    Hubert C.

  • Julia is great with people. She is always prepared and aware of what was happening with our budget. She is reliable, a good listener, and non judgmental. We are so happy we made the decision to use Fresh Start Money Coaching!

    Mark and Lois S.

  • I learned advanced tips and tricks to use with YNAB. Thank you for taking the time to research ways to manage my business line of credit in YNAB.

    Tanya B.

  • It was super helpful to have the guidance through getting used to the YNAB budgeting style. I enjoyed our time together and the accountability working with you provided was helpful. Your sensitivity to my situation was greatly appreciated.

    Cat C.

  • 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.

  • 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.

  • 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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