According to a recent LendingClub report, 49% of Americans earning $100k or more per year live paycheck to paycheck.
65% of Americans earning $50-100k per year live paycheck to paycheck.
These are concerning statistics. That’s too many people living dangerously close to a financial cliff. As a financial coach, I am confident that we can break that cycle of dependency with the right mindset and tools.
And yes, willpower.
I like zero-based budgeting, because we get to decide which categories are most important to us (housing, college, vacation etc.) We’re in the driver’s seat here. It’s a proactive way to manage our monthly income, even for those with variable incomes.
In my private coaching sessions with Gen X, Y, and Z couples, I help clients establish a realistic budget and then decide what they want their future to look like, whether it’s saving for retirement, paying down debt, or paying cash for their next car.
The question is, are you ready to commit and lower your money stress?
Hi, I’m Jeni, a financial coach based in Boise, Idaho. Personal finances piqued my interest about 7 years ago—starting with my own budget as a newlywed. I even spent a year studying personal finance books and reading all that I could find online about money. I have a background in journalism and marketing and earned a Bachelor's in Literary Journalism from the University of California, Irvine. Fun fact: I have no sense of direction but I can make a mouth-watering key lime pie. 😄
Why Hire Me?
I have 7 years of experience managing my family’s personal finances and I'm comfortable talking about money. As a Millennial, I can relate to the struggles of affording life, saving for the future, and raising a toddler as costs of living increase. I’m a budget nerd obsessed with You Need a Budget (YNAB) who likes to read the fine print of credit card applications and 401k plans for fun. Also, I despise fees more than the average consumer and have paid $0 in credit card interest and $1.22 in foreign transaction fees (forgot about that one Canadian merchant). Email me at jen@jenbudgets.com if you want to chat.
Disclaimer
I am not a licensed financial therapist, certified financial planner, certified public accountant, or financial advisor. I do not give investment advice or make commissions. The content on this website including the blog contains my thoughts and research on personal finances and is for educational and entertainment purposes only. It should not be considered financial or legal advice.
