When it comes to money, you’re not too late—you just need a clear place to start.

Hi, I’m Julia. I’m the owner of Fresh Start Money Coaching and a certified YNAB coach.

If you’re a financial late bloomer, I can help you build a clear, realistic system for managing your money so you can move forward with confidence, without judgement or rigid rules.

Start with a Fresh Start Financial Reset

You might be financial late bloomer if …

  • You feel behind on saving for retirement and aren’t sure if you’re on track

  • You’ve spent years prioritizing your family, career, or others and your finances took a back seat

  • You’re finally making good money, but don’t feel in control of it

  • A life event (like divorce or a career change) has impacted your financial progress

  • You’re ready to take control and build a plan for your future

If this sounds like you, you’re not alone, and you don’t have to figure it out on your own.

How I can help

🌱Fresh Start Financial Reset

A 2-hour session to get clear on your finances and map out your next steps.

  • Understand where you stand financially

  • Identify what’s working and what’s not

  • Review your YNAB spending plan (if you have one) and align it with your goals

  • Create a clear, realistic plan for moving forward

👉Best for: getting unstuck and gaining clarity

Start with a Fresh Start Financial Reset

🌻Fresh Start Financial Flourish

A 4-month coaching program designed to help you take control of your money and build a plan for your future.

  • Bi-weekly one-on-one coaching sessions

  • Personalized support between sessions

  • A structured approach to building habits, systems, and long-term plans

👉Best for: deeper transformation and lasting change

More About Fresh Start Financial Flourish

Here is what some of my clients have to say about working with me:

“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., Alberta, Canada

“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., Nova Scotia, Canada

“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., Ontario, Canada

  • It felt like a miracle, exactly what I had been hoping to find for years. Julia brought a nonjudgemental attitude. Patience with my lack of tech skills ( at times) and good suggestions. It was it was exactly what I needed taught in a knowledgeable and easy to understand manner.

    Susan B., Michigan, USA

  • The coaching program gave me structure, clarity, and hope! Julia brought wisdom, belief, knowledge, professionalism, kindness, a willingness to listen, and flexibility! I would not be where I and financially without Julia’s help. I was drowning and now have a plan, savings, and a lot less stress!! She literally was and still is a godsend.

    Kathleen M., Michigan, USA

  • 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., Nova Scotia, Canada

  • 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.

    Noel O., Montana, USA

  • 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., Ontario, Canada

  • 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., Ontario, Canada

  • 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., Virginia, USA

  • 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., North Carolina, USA

  • 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., Ontario, Canada

  • 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.

  • Personally, I benefited from the completely non judgmental approach. Julia brought a positive attitude and approach and simple, realistic tips.

    Beverly N., Nova Scotia, Canada

  • You brought patience! That bold move in our last session was great. I feel like you fairly easily assessed my situation. You asked a lot of questions and listened. Then you showed me the proper way to do YNAB plus several features I wasn’t using. You were very easy going. I can be high strung so your chill vibe was welcome. You were mindful of the time and kept us on track to achieve our goals for each session.

    Jennifer S., Oregon, USA

Start with a Fresh Start Financial Reset