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CHANGE IN ALL FORMS MATTERS! 


What people don't always 'feel' is possible when they take on something they want to change or improve,  actually IS possible! 
With a little guidance and direction in any area of our lives that can use improvement, we can reap HUGE benefits.  MAJOR shifts and changes can occur in a short time if you are willing to be 'coachable' and put in new efforts! 

It is human nature to have areas in which we need to grow and learn. I always joke that "since I'm still on THIS SIDE of heaven, I must have MORE work to do."  It is so so true! The things that I needed to learn in my 20's are certainly not things that I'm learning in my 40's.  Yet I had no idea in my 20's of the things I would still be needing (and wanting) to learn in my 40's.  I've always been pretty open to self education and always wanting MORE in terms of knowledge, but truth be told, many times I focused my attention to learning in areas that I was already pretty sufficient in. I have NOT always put the effort into areas where I lacked skill or motivation.  Case in point --after my recent return from Mexico, I truly think it's time to purchase the Rosetta Stone Spanish version and get started on what I've been saying I'm going to do for more than 10 years-- LEARN SPANISH! You see ANY CHANGE and GROWTH starts with a simple decision that we can know and learn more.  Then it takes action . We can't just WANT to learn something, we have to DO something to learn.ÌýI have many clients who seek me out because they are looking for support and a change in the area of handling their personal finances. It's not always bad.ÌýSometimes it's a recent college graduate who is just starting out on their own but have no idea how to budget or handle their own money and new living expenses.ÌýSometimes it's a new couple who have no idea how to manage their money jointly or how to handle what each just brought for debt into a new marriage.ÌýSometimes it's a couple who have fallen on hard times such as a job loss, or a medical issue that eliminates one of them working, kids are now embarking on college, or over spending has finally caught up with them.  Sometimes it's a recently divorced man or woman who is trying to adjust to a new life as a single person/single parent and unsure of how to make their finances work with less than what they had before.  All of these client scenarios improved once we started our work together but it started with a desire to learn and growâ€�I just received this testimonial from a new clientâ€�."As a person that has never been good at saving, I really didn't think that Michelle could teach me anything new about managing my money. But I was so wrong! In 2 months, she has helped me create an emergency fund that seemed completely unobtainable. She has been extremely easy to work with, and she has given me excellent guidance throughout this financial process. From making very difficult phone calls to creditors to realizing that the most important things don't need to cost a lot, her coaching has been a blessing! I highly recommend her to anyone needing guidance." Dawn C.
If you feel you can use some guidance or direction to help you manage your money better MAKE THE DECISION to get more information on how it works!  Check out my website at 
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