"I came in with $14,000 across four credit cards and no idea where to start. In the first session, BudgetHawk built a payoff plan with an exact end date. I'm at month 14 and on track to the day. I've never had this kind of clarity about my money."
Personal Finance Coach for Young Adults
You Need a Coach,
Not Another App.
I'll build your budget, design your debt-payoff plan, and check in with you every single week. Until you're not living paycheck to paycheck anymore.
30 minutes. No pressure. No pitch. Just real answers about your situation.
$300–$800 avg. monthly cash flow I recover for clients in 30 days
87% of my clients eliminate credit card debt within 18 months
Week 1 you walk away with a working budget and a payoff roadmap
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% APR costs you $1,200/year in interest. That's before you pay down a single dollar of principal. Every month without a plan is money you won't get back.
Why I Do This
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.
$2M+ in consumer debt eliminated by my clients
1-on-1 coaching only, no group programs ever
Here'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
Avalanche or snowball, whichever kills your debt fastest. I run the math, 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 push back when you're slipping. 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
Credit cards and personal loans, not mortgage or auto
Your Debt Snapshot
Debt-free date at your current pace —
Total interest you'll pay —
With BudgetHawk coaching —
Interest you'd save —
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 MeQuestions I Get All the Time
Apps give you data. I give you a plan and make sure you stick to it. I review your numbers every week, call out what's off, and adjust your strategy when life happens. Mint won't text you when you overspend. I will.
Most clients find $300 to $800 a month they didn't realize they were losing in the first 30 days. For debt payoff, it depends on your balance and income. I build the exact timeline in our first session so you're never guessing.
That's exactly who I do this for. The clients who get the most out of coaching are the ones in the deepest holes. The system matters most when the margin is thin. I've seen six-figure consumer debt situations turn around. Don't count yourself out before we even talk.
It's 30 minutes, just us. I ask about your income, your debts, your spending, and what you want to change. I tell you what I see and what I'd do about it. If working together makes sense, I'll walk you through what that looks like. If it doesn't, I'll still give you something useful. No pressure either way.
Never. I work with the numbers you share with me directly. No login credentials, no read-only access required. Just honest numbers so I can build an honest plan.
Because before, you were doing it alone. Everyone who has actually changed their financial situation had two things: a real system and someone enforcing it. You've had neither. That's not failure. That's just the wrong setup. This changes the setup.
Ready to Stop Guessing
With Your Money?
Book a free 30-minute call. I'll review your situation, tell you exactly what I see, and show you what a realistic path forward looks like. No obligation. No sales pressure.
100% free, no card required
You talk directly to me
You'll leave with real clarity
Request a free money review
Email Me to Schedule