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!

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

“Your coaching program helped me in every way possible. I have so much more understanding about money, what I was doing wrong, and where I am headed now.

I thought you were just going to teach me how to budget properly. Your program is so much more than that. You really helped me understand my own personal psychology with money. Understanding the why I am the way I am with money has helped me get on the path to fixing the problems I didn’t even know I had.

I miss you already. I wish we were friends and you were coming over for supper on Thursday night.”

-Sauna S.

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 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

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 or suggestions using email or Loom videos.

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 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.

You might have never used YNAB or you might have been using YNAB for awhile but some aspects of it really haven’t “clicked.”

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

This program can be personalized to where you are in your YNAB journey and ranges in length from two to five coaching calls.

Dig In includes ..

Coaching Calls

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

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.

“I really enjoyed this program, and feel that it had a huge positive impact on our states of mind, processes, and the ability to define and meet our financial goals. The program helped me get a better sense of: where our finances are overall (net worth); what our budget currently is, and what it is likely to be upon retirement; how to be more proactive in how my finances are used (budgeting); where our money goes each month and what we can/should cut back on. It also helped us simplify our financial processes, and opened the door to conversations about if we really need to keep our finances separate, why, and for how long. This process has also resulted in us sharing more of the responsibility for our shared expenses. You had a great way of making content accessible - you describe complex processes in a very user friendly way. You ask sensitive questions respectfully yet pointedly, and plant seeds that allow for reflection, questioning our assumptions and beliefs, and consideration of alternative processes that will serve our goals better in the long and short run.”

-Melanie C.

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 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. We will brainstorm 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?

The Fresh Start Financial Flourish program takes from four to eight months to complete. The length depends on where you are in your financial journey and how quickly we progress through the four phases.

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!

Are these reviews on your web site real?

These reviews from past clients are 100% real and in their own words. I’ve worked with clients throughout North America since 2022. If you’re interested in connecting with a past client directly, please let me know on our Discovery Call and I can put you in touch.

“Since starting the program I have paid off major debts, [gained] clarity on our retirement savings plan, developed a lifestyle habit of pausing before I buy something, saving up vs just spending, better communication with my husband about money, greater accountability and I feel soooooooo proud of myself. The step-by-step structured nature of the program was exactly what I needed to be successful. You brought a strong sense of empathy and non-judgement which built trust quickly and made me feel I could be as open and honest about the true story of our finances and my challenges/worries. You have a natural gift being able to balance directness while being supportive. I could tell there would be no messing around and if I didn’t meet the commitments you guided me to set for myself, you would be there to remind me. I appreciated this style of holding accountability.

I truly am so grateful we met when we did and you provided a really kind, knowledgeable and clear process to follow to build my own skills in managing our budget and long term financial goals. I also just really enjoyed getting to know you and had a lot of fun on this part of the journey!”

-Heather B.

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

  • The coaching helped me learn how to use YNAB but more important it got both me and my wife on a great track to spending our money responsibly. You were very easy to talk to and were able to navigate any issues. It was a great experience. You definitely saved us financially.

    Blake S.

  • 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.

  • 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.

  • 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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