Break Free From Money Stress With a Budget Coach
A one-on-one budget coach will help you achieve financial stability and resiliency and move beyond your shame, guilt, and/or procrastination that may have been holding you back.
Take Control of Your Money Without Sacrificing Your Lifestyle
If you’re making good money but still living paycheck to paycheck, you’re not alone. I can help you finally feel in control by creating a budget that actually works — without giving up everything you enjoy.
Do You Make Good Money but Still Struggle With Debt?
It happens more often than you think. You work hard, earn a great income, but somehow the money disappears. Credit cards stay maxed, savings never grow, and the stress keeps building. The problem isn’t that you don’t make enough — it’s that there’s no plan. That’s where I come in. I’ll show you how to create a realistic, flexible budget that matches your lifestyle, helps you pay off debt, and finally builds lasting financial freedom.
Learn How to Create a Budget That Actually Works
Most budgets fail because they’re too strict or too complicated. You try to cut back, feel deprived, and then give up. But a budget doesn’t have to be punishment — it should feel like freedom. That’s why I put together a step-by-step guide on how to create a budget that actually works. Inside, I break down the exact methods, tools, and mindset shifts that help my clients take control of their money — without giving up the things they love.
"I first reached out for some help with getting organized about budgeting, and had some follow up calls to check in with progress. She gave me the structure, support, and accountability I needed. What I really appreciate about working with Judy is her ability and approach towards understanding the whole person (background, current situation, blockages, etc.) and tailoring the process accordingly. This is the key to ensuring her clients can feel understood – not judged – and have a sustainable path forward with their budgeting skills and goals. I highly recommend Judy!" An Engineer from New York, NY
Our Process Works!
The cost of a personal budget coach often pays for itself within a few months.
We will spend about 1 hour discussing your financial issues and concerns allowing me to better fully understand your situation and desires.
After working together on your unique spending plan, you will have a customized budget tailored just for you that can be modified as needed over time.
You will see how and where to make those changes as we discuss the options on the screen. If you are married or have a partner, I make sure that both of you are involved in the process. Together we fine-tune the numbers.
Step 3 provides guidance, accountability, and peace of mind as you implement your budget plan. You will have access to my decades of budget counseling. If needed, we can discuss any new concerns or changes needed to your plan.
You will receive support using a few Excel budget kit templates as well as your own budget app. (i.e.YNAB, Pocket Guard, EveryDollar, Quicken Simplifi, or Excel.)
Accountability phone or email sessions can be setup to anchor your new tools, knowledge and skills.
Meet Your Budget Coach – Judy Lawrence
Judy is an early a pioneer in one-on-one budget coaching and author of the best seller “The Budget Kit”. She talks with you directly instead of pushing you off to some online program or group of money coaches. Judy is an accountability partner, able to recognize some of your unique situations and guide you through the process. She loves sharing that understanding, passion, caring, and wisdom during the coaching process. With incremental steps, Judy will create your blueprint for a lifetime of financial change.
"We did reach our goal of building a home together and are now at a place where we can discuss money issues without getting emotionally charged…at least 97% of the time! Since we are good at being “human” we have continued monthly meetings with Judy. We recognize life is full and the tyranny of the urgent can divert our attention away from things that are most important. Thank you, Judy, for helping us!” —Sean & Rachel
Ready to Finally Feel in Control of Your Money?
You don’t need another year of stress, debt, or “winging it.” With the right budget in place, you’ll know exactly where your money is going — and more importantly, where you want it to go.
Frequently Asked Questions
What is the difference between a budget coach and a financial coach?
Although the terms “budget coach” and “financial coach” are often used interchangeably, they can differ in both focus and scope.
Budget Coach: This type of coach primarily helps individuals or households take control of their day-to-day finances by creating and maintaining a practical budget. Their guidance is typically centered around managing income, tracking expenses, and aligning spending habits with personal financial goals and lifestyle needs. As costs rise and debts increase people are turning to a budget coach for help.
Financial Coach: A financial coach tends to offer a broader approach to personal finance. In addition to budgeting, they may work with clients on managing debt, building savings, improving credit, and even planning for long-term goals like investing or retirement. Their services often cover a wider range of financial topics.
What is the cost for a one-on-one budget coach?
The fee for one-on-one coaching are tailored to your unique situation. After your free consultation, Judy will provide you with a recommended plan of action and the cost.
Will Judy Lawrence be my budget coach?
Absolutely! You will never be pushed off to a group of money coaches that lack the experience, compassion, and practical strategies.
Can you help someone going through a divorce?
My goal is to prepare you emotionally and pragmatically while working through both the financial documents and required budget production stage and on toward your post-divorce financial independence.
How do I prepare for the first session with my budget coach?
One of the best things about working with a budget coach is that you’re not doing it alone. During your initial consultation, Judy will take time to understand you: your goals, challenges, past experiences with money, and what you truly hope to achieve. It’s a chance to open up, so take a moment beforehand to reflect and be ready to share what matters most to you.
How do I pay for your budget coaching?
You can pay for your one-on-one money coaching sessions using Visa, MasterCard, American Express, and Discover credit cards or a US debit card. A link to an invoice will be sent after the initial meeting.
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