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I AM Financial Coaching

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1. Start the year motivated to "finally get on top of your finances."
2. Make a resolution to stick to a budget—create one but don’t understand why it is so hard to follow it.
3. Overspend in February on Valentine’s gifts and dining out.
4. Realize you forgot about tax season and scramble to gather documents in March.
5. Get a tax refund in April! Sweet relief!—blow it on something you don’t need.
6. Panic in May when an unexpected car repair wipes out your savings.
7. Vow to start an emergency fund—save $50, then forget about it.
8. Overspend on summer vacation in June and max out a credit card.
9. Ignore your rising debt because it’s too overwhelming to look at.
10. Get hit with back-to-school expenses in August and wonder why it feels like Christmas in reverse.
11. Research "How to improve credit score" in September but don’t act on it.
12. Consider a side hustle in October but give up when it’s “too complicated.”
13. Realize you don’t have enough saved for holiday shopping in November.
14. Use buy-now-pay-later for holiday gifts—instantly regret but reason that it's worth it since your giving it away to others.
15. Face mounting anxiety over January’s credit card statement in December.
16. Look back on the year and wonder where all your money went.
17. Swear you’ll do better next year but have no plan.
18. Open your email to 100 unread messages from banks and lenders.
19. Feel overwhelmed, discouraged, and ready to give up. Tell yourself you won't go through this all again next year! It's a new year again and it's a new you!

Can we try just two of three more steps?
20. See a financial coach’s post and wonder if this could be the answer.
21. Read the reviews on their Facebook page and realize that there is hope. There are other people who have had success from their help.
22. Choose to not wait. Act now, realize that we all can't do life alone and reach out for help.
23. Write a new story!

Life has enough stress; money doesn’t have to be one of them.
Free consultation and a money-back guarantee if you sign on. Let’s talk!

I AM Financial Coaching

https://www.facebook.com/IamFinancialCoaching/

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