You Need a Coach,
Not Another App.
You already know something isn't working. I build the system that fixes it, check in with you every single week, and stay until the numbers actually change.
30 minutes. No pressure. No pitch. Just real answers about your situation.
I Know Exactly
What's Keeping You Stuck
It's not that you're irresponsible. Nobody ever taught you how to run your money, and the tools you've tried were never designed to hold anyone accountable.
The Credit Card Spiral
You pay the minimum, interest eats the rest, the balance barely moves. You tell yourself next month will be different. It isn't.
More Month Than Money
You're working hard and have nothing to show for it. That's a plan problem, not a you problem.
No Accountability
Motivation spikes and fades every two weeks. Without someone checking in, nothing changes.
Financial Anxiety on Repeat
Checking your balance feels like a threat. One unexpected expense wrecks everything. The low-grade stress never actually goes away.
Here's what waiting costs you:
A $5,000 credit card balance at 24% interest costs you $1,200/year. That's before you pay down a single dollar of principal. The math doesn't wait.
I've Sat
Where You're Sitting.
I built BudgetHawk because I know what financial chaos actually feels like. Not theoretically. Personally.
More month than money. Credit card balances that barely moved. Making decent money and still broke by the 20th. The dread of checking a bank account you already know is empty.
What changed for me wasn't my income. It was having a real system with someone to enforce it.
Now I work one-on-one with people who are done living like that. No group programs. No courses. Just me, your budget, your debt, your goals. I stay with you until the numbers actually change.
I also wrote Money Skills for Your Twenties, a judgment-free guide to money. The book is where the system started. Coaching is where it gets done.
"I wrote the book. Now I do the work with you: one budget, one debt plan, one person at a time."
Abraham Cuenca · Author, Money Skills for Your Twenties · BudgetHawk Coach
Connect with me on LinkedInHere's What We'll Do
Together
This isn't a course. This isn't an algorithm. It's just me working directly on your numbers, building a plan that fits your actual life, and making sure you follow through.
I'll Build Your Budget From Zero
Not a template. Not a guess. I go through your actual income and expenses and assign every dollar a job. You'll probably see where your money is going for the first time.
I'll Set Up Your Expense Tracking
I build your tracking system so it runs with minimal effort. Every week, you have a clear view of where you stand. No more month-end surprises.
I'll Design Your Debt-Payoff Strategy
There are two main approaches to paying off debt fast. I'll tell you which one fits your situation, set the payoff date, and build the exact plan to hit it.
I'll Set Real Financial Milestones
Vague goals don't get executed. I set specific, dated targets and break down every step. You always know what the next move is.
I'll Check In With You Every Week
I review your numbers weekly. If you're off-track, I catch it before a bad week becomes a bad month. No drifting, no falling off the plan quietly.
I'm Available Between Sessions
Decisions come up. Emergencies happen. You have direct access to me. Not a bot, not a help desk. A real person who knows your plan.
How We Get Started
Book Your Free Discovery Call
30 minutes, just us. I'll ask about your income, debts, and what's not working. You'll leave knowing exactly what I see and what a fix actually looks like. No script. No pressure.
I Build Your Personal Financial Blueprint
In our first real session, I go through your numbers and build your budget, your debt payoff roadmap, and your tracking setup from scratch. Built around your life, not a generic template.
We Execute. I Hold You to It.
Weekly check-ins. Real accountability. I track your progress, adjust when life happens, and hold the line when things get hard. That's the difference between a plan and results.
Find Out Exactly When
You'll Be Debt-Free
Enter your numbers below. I'll show you your real payoff date, how much interest you'll burn at your current pace, and how much faster my coaching strategy gets you there.
- Your exact debt-free date at your current pace
- Total interest you'll pay if nothing changes
- How much faster coaching accelerates your payoff
Debt Snapshot Calculator
Your Debt Snapshot
Drop your email and I'll send your full breakdown plus a personalized first-step action plan:
No spam. Unsubscribe any time.
✓ Check your inbox. Your breakdown is on the way.
Book a Free Call With MeImportant Disclaimer
The calculations and projections displayed above are estimates only, provided for general informational and illustrative purposes. They are based solely on the numbers you entered and standard mathematical formulas and do not account for changes in income, interest rates, minimum payment requirements, additional debt, unexpected expenses, or any other personal financial circumstances.
BudgetHawk does not guarantee any specific financial outcome, debt payoff timeline, interest savings, or improvement in your financial situation. Results vary significantly based on each individual's unique circumstances, financial habits, and commitment to their plan. Nothing on this page constitutes financial, legal, or investment advice.
Coaching services are educational and motivational in nature. Past client experiences described on this site are individual results and are not a guarantee, promise, or prediction of what you will achieve.
Simple, Transparent Pricing
Most coaches don't publish their rates. I do. Because if you're already stressed about money, the last thing you need is a surprise.
Why Am I More Affordable Than Most?
Other coaches charge $600–$900 a year for recorded programs with no real access. I read your actual numbers, show up every week, and adjust your plan when life doesn't go according to script. You're not buying a course. You're hiring a person — and the most committed clients pay less than $170 a month to keep me in their corner.
Jumpstart Session
One 60-minute session where I go through your actual numbers, build your budget from scratch, and hand you a debt payoff roadmap with a real timeline. You leave with a working plan, not homework.
- 1 × 60-minute 1-on-1 session
- Custom budget built during the session
- Debt payoff roadmap with exact timeline
- Expense tracking system set up
- $97 credited toward monthly coaching if you continue
Applied as a credit if you upgrade to monthly.
Monthly Coaching
This is the full coaching experience. I read your numbers every week, check in whether you ask me to or not, and adjust your plan when life happens. Most people who actually change their financial situation had two things: a real system and someone enforcing it.
- 2 × 30-minute sessions per month
- Weekly async check-ins (I review your numbers, you don't have to ask)
- Between-session email access (real responses, not a bot)
- Budget, debt payoff plan, and milestone tracking built in session 1
- Plan adjustments when your situation changes
3-month minimum. Cancel after that, no questions asked.
Quarterly Commitment
billed $501 per quarter · save $90
- Everything in Monthly Coaching
- Save $90 every quarter vs. monthly billing
- Priority scheduling
- Quarterly financial review session included
Renews quarterly. Cancel before next cycle.
I take a limited number of clients at a time so I can actually show up for each one.