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.
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
🌻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