Peace of Mind Organizing

An organized financial life can bring as much peace of mind as an organized home. I’m a user and a huge fan of You Need A Budget, a budgeting methodology and software that changed my life.

I’m so passionate about YNAB that I took their training program to become a YNAB Certified Budgeting Coach. I am now trained to help you set up and maintain a budget in YNAB that might be as life changing for you as it was for me.

Imagine how it would feel to eliminate financial stress and:

• Confidently (and permanently) get out of debt
• Get off the paycheck-to-paycheck cycle
• Align your spending with your priorities
• Be able to easily determine whether you can afford to change jobs or careers
• Make financial emergencies a thing of the past

I know it sounds almost too good to be true. But the YNAB methodology works. YNAB is a zero-based budgeting system, similar to an electronic envelope system. Baked into the system is the idea that you plan ahead for predictable expenses (as well as unpredictable ones) so that what used to be a financial emergency (like a big car repair or an annual insurance bill) no longer feels like one. The difference is that with YNAB, you assign money so that it is there waiting for the bill to come.

Believe me, I know the stomach-churning sensation of looking at a high credit-card balance and a low bank balance. But that’s in the rear-view mirror for me. I now have no debt beyond a mortgage and I have very healthy bank balances. And it’s all thanks to YNAB.

I’d love to help you get there too. It doesn’t matter how much money you make. YNAB is helpful for people of all income levels.

“I was very hesitant about YNAB because I had tried it maybe seven years ago, and it just didn’t go well for me. Working with Janine made all the difference! With her guidance I had a much better understanding of how I should set my budget up and check in with it on a regular basis. She has made me a YNAB convert! I love knowing where my money is going and that I have money set aside for True Expenses – those real but not regular expenses that we all know are coming. She’s also right there if I get lost or have any questions. I have much more peace in my financial life thanks to Janine’s help.”

—Dee B., New Orleans, Louisiana

How my YNAB budget coaching works.

• You’ll work with me one-on-one via Zoom
• We’ll start with a complimentary, no-obligation 20-minute Zoom meeting so you can learn about YNAB and we can see if we’re a good fit. Just click to get on my calendar!
• After you sign up, we’ll take a few sessions to get you comfortable with the methodology and set up your customized budget, complete with targets and linked financial accounts. The number of sessions it will take to set up your budget will depend on your individual situation. For many people, three is the right number, but for some it may take longer.
• After the set up, I can be there for you for help and accountability as long as you need me.

“Janine has been a wonderful YNAB coach! She has made learning fun and easy to understand. Thanks to Janine’s knowledge of YNAB and her patience, I’m no longer hiding from my financial reality—I’m facing it head on. Her guidance has been invaluable.”

—Lori N., Akron, Ohio

Here’s what to expect.

• A patient, non-judgmental and empathetic coach who meets you where you are
• A customized budget based on your priorities and goals
• Personalized budget check-in videos from me
• Support and accountability

“Janine is very easy to work with and has infinite patience. We worked together via Zoom and with screen sharing, she was able to help me through my personal learning curve. Within a few sessions, I was able to cut several hundred dollars a month in spending without affecting our quality of life at all. YNAB has given me a complete picture of where my money is going and has removed a lot of the stress of figuring out how to pay future bills. Working with Janine to implement YNAB has been a great experience for me (she made the process fun!) and I feel like I have much better control over our spending.”

—Elaine A., Collinsville, Illinois

Here’s what it costs.

• Set-up package: $550 for three 60- to 90-minute sessions, ideally all in the first month. It also includes personalized videos from me, weekly clients-only drop-in office hour and two free months of YNAB (in addition to the one-month free trial that’s offered to everyone).
• After the initial set-up package, my YNAB coaching is $150 an hour.

“I will never be able to thank you enough for changing my life with YNAB!”

—Patti T., Washington, D.C.

To get started, just click to get on my calendar! for our complimentary Zoom meeting. Or “check out my Peace of Mind Budgeting for more details on service offerings”: https://www.peacefmindbudgeting.com. I’ve just started a new blog there that you might enjoy!

Please note: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or its affiliates.