Proverbs Financial Coaching Information

Im honored to share what I have learned and experienced with you to help you achieve your own financial goals. Growing up in a lower class family in a single-parent home, I was never taught how to handle money. In 1996, I met my husband, and when we started our family in 1998, we agreed that I would stay home. Neither of us had any kind of plan, and as time went on, we earned money, but didnt have any savings or retirement plan. Our life was like the Sonny and Cher song that goes, They say our love wont pay the rent, before its earned our moneys all spent. As I homeschooled our children, I did the accounting on a very successful appraisal company that my husband and I ran. I knew I didnt want the same life for them that I had growing up with no parks, no vacations, no real-world experiences. I wanted to give them everything I never had. But the more we made, the more we spent. Eventually I made the decision to seek financial knowledge. I knew there was a better way to be handling my situation. I came across a cash envelope system and did pretty well with it, but when my income became irregular, it was hard to manage. Because of that, I stopped entirely and went back to my old habits. I knew in the back of my head that we needed to do something, but I didnt know what that looked like or how to begin. Being so far behind was overwhelming and I didnt think wed be able to catch up. In 2014, I came across Dave Ramseys The Baby Steps system. I fell in love with the simple step-by-step process. I felt like I could do it, that it wasnt too late. After a time using this system, I took my knowledge a step further and shared the principles with our kids, their youth group, and even other people at our church. The best feeling was watching the faces of others light up when they realized they could do this system. Because of that, I became a Financial Coach a year later and started on this amazing journey. With Proverbs Financial Coaching launching in 2015, my family was able to save money, live on a plan, and pay off ...