As one of the early pioneers providing personal one on one budget coaching and counseling — before there was even a personal finance trend — I understand the deeper side of how money affects our lives. As a Budget Coach, I love sharing that understanding, passion, caring, and wisdom during our coaching process.

Growing up in Wisconsin, where I lived above a cheese factory and worked in the factory below, I began saving money by dividing my earnings into 5 jars labeled College, Clothes, Savings, Spending and Car. Later, when newly married, and moved to Albuquerque, NM, I carried over my skills and variety of life and work experiences to develop a simple family budgeting system, which eventually formed the basis for my original workbook, Common Cent$: The Complete Money Management Workbook. That original book ultimately was renamed, edited and published as The Budget Kit currently available in print or eBook.

By 2000 I was divorced and ready for a change in my life and took the leap to Silicon Valley. Those ten years living in that energizing environment and experiencing the booms and crashes and working with clients to get through both sides totally impacted my life. Once again it was time for a change, and I moved back to NM with greatly broadened Coaching/Counseling/Accountability Services and insights I now provide.

I love being a Sherpa and guiding people through all facets of emotions, shame, confusion, overwhelm along with the opportunity to witness the successes, transformations and new life that clients experience as they reduce and eliminate their debt, increase their savings and have a new confidence, mindset and behaviors to help them maintain their financial peace of mind with their finances.

Professional Highlights

  • Published author of 5 non-fiction books, one of which is a perennial best-seller (The Budget Kit) with over 500,000 copies in print.
  • Founded 2 niche financial services aimed at saving consumers thousands of dollars and dramatically reducing emotional stress and debt.
  • Expertise in marketing, media, sales and business in the personal finance, publishing, and e-book industries.
  • Appointed by judges as a 706 Expert in divorce cases to help determine alimony needs or other financial budgeting concerns as specified by the courts, lawyers or clients.
  • Appointed as Special Master for small business concerns.
  • Facilitator for Settlement Week for Second Judicial District Court for three years.
  • Present and train on Basic Money Management topics in an inspiring and easy to understand style.
  • Counsel and train individuals, couples, small businesses and groups, innovatively, patiently and positively.
  • Author of Common Cent$, The Budget Kit, The Money Tracker, Family Memory Book and Co-author of Daily Riches: Journal of Gratitude and Awareness.


  • B.S. University of Wisconsin – Oshkosh
  • M.S. University of Wisconsin – Oshkosh: Guidance and Counseling
  • Mediation Training – University of New Mexico Law School
  • Settlement Facilitation Training – Second Judicial District Court – Court Alternatives

Appearances and Articles

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