Judy Understands the Whole Person
I’m a 30 year-year-old female engineer. I worked with Judy over the course of about two years – 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
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I’m a 30 year-year-old female engineer. I worked with Judy over the course of about two years – 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
A Knowledgeable Money Coach That Listened
We recently completed a package with Judy. We each came into the relationship with poor budgeting skills and opposing money habits that often lead to conflict. Having a knowledgeable money coach that listened, took us where we were, and gave insight and skills that enabled us overcome our challenges helped us change course, individually and as a couple. We’ve been diligent with our budgeting thus far and have found a handful of smaller opportunity areas that when added up save
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We recently completed a package with Judy. We each came into the relationship with poor budgeting skills and opposing money habits that often lead to conflict. Having a knowledgeable money coach that listened, took us where we were, and gave insight and skills that enabled us overcome our challenges helped us change course, individually and as a couple. We’ve been diligent with our budgeting thus far and have found a handful of smaller opportunity areas that when added up save us around $1400/month which is $16,800 per year. Taking that out to 5 years is $84k, which if only put in a modest high yield savings account of 3.75% (our current rate) = $93,769… Make it 10 years with the same $1400 month savings reinvested and it’s $204,806. Obviously life is life and who knows if we’ll be able to save that every month… Some months we will, some we won’t, some months less, some more. Interest rates will go up and down. The point here is that first and foremost as a couple, the conflicts will be greatly reduced in this area, if not stopped completely as we’re teammates now (as opposed to two individual players doing our own thing on the field). Equally important is the cost we paid for her services is a drop in the bucket to the return on investment we’ve already gotten and will continue to get from it.
Michael and Susan, Riverton, NJ
The Investment Easily Pays for Itself
Our money problems were causing negative impacts beyond just dollars and cents. Our stress levels were elevated and there was constant fighting and blaming. Overall, we were not a peaceful or happy family. We are very lucky to have found Judy because she was able to address the relationship and monetary issues that were so tightly intertwined in this case. This holistic approach was essential and seems to be rare in the marketplace. Judy worked with us to establish a
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Our money problems were causing negative impacts beyond just dollars and cents. Our stress levels were elevated and there was constant fighting and blaming. Overall, we were not a peaceful or happy family. We are very lucky to have found Judy because she was able to address the relationship and monetary issues that were so tightly intertwined in this case. This holistic approach was essential and seems to be rare in the marketplace. Judy worked with us to establish a common methodology and language for us to manage our money. Our regular check-ins with Judy were critical as they provided positive accountability and helped us to establish good budgeting practices. Overall, we’d have no reservations recommending Judy to families who need help managing their budget. Judy is a pleasure to work with, the investment in her services easily pay for themselves, and the benefits to the overall quality of family life are priceless.
A family of three from Wilton, CT
Your Budgeting Techniques Have Revolutionized Our Financial Lives
My wife and I have used your book “The Budget Kit” book for several years now and have become quite good at controlling our income and expenses using this wonderful book- thanks to you! Your budgeting techniques have revolutionized our financial lives and we are grateful to you, to say theRead more “Your Budgeting Techniques Have Revolutionized Our Financial Lives”
Andrew Hardin
Judy Was There As a Coach, Mentor, and Encourager
My wife and I met Judy back in 2018. We’d been married for some time but were not good about discussing finances with one another without getting emotionally charged. I think shame played a part in this because we both felt impotent in this area of life. We decided we wanted to build a house which provided us with a common goal. This goal mutually motivated us to get our financial house in order. A big issue, however, was we
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My wife and I met Judy back in 2018. We’d been married for some time but were not good about discussing finances with one another without getting emotionally charged. I think shame played a part in this because we both felt impotent in this area of life. We decided we wanted to build a house which provided us with a common goal. This goal mutually motivated us to get our financial house in order. A big issue, however, was we were taking steps backward rather than forward when it came to getting our finances in order. That’s where Judy came in. This is Judy’s wheelhouse. Judy has served as the neutral coach who wanted the best for our family and was willing to journey alongside us to reach this common goal. She has been there as a truth teller, coach, mentor, encourager and a source of accountability. Budgeting is not amongst our top 100 favorite hobbies. It is an essential skill, though, for most of us to accomplish our financial goals! Having regularly scheduled meetings with Judy forced us to look at the numbers, have more consistent “love chats”, and learn to be responsible grown-ups with money. 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!
Read more “Judy Was There As a Coach, Mentor, and Encourager”
Sean & Rachel
A Positive Investment in Our Relationship
We just celebrated our 17th anniversary and as we were reflecting on our journey so far, we both realized that this is the first time in our marriage we have both felt truly positive about the financial dynamics between us. Judy has been instrumental in this process. She’s given us the tools, guidance, and the encouragement to keep learning together. We have more clarity and more conversations about how we spend and save. Judy’s budget coaching has been a really
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We just celebrated our 17th anniversary and as we were reflecting on our journey so far, we both realized that this is the first time in our marriage we have both felt truly positive about the financial dynamics between us. Judy has been instrumental in this process. She’s given us the tools, guidance, and the encouragement to keep learning together. We have more clarity and more conversations about how we spend and save. Judy’s budget coaching has been a really positive investment in our relationship.
Stefanie & Dan Robbins
A Greater Sense of Peace
Judy’s coaching has helped me to bring order to my financial life and to ensure that my money goes where I want it to each month, rather than where it had been going without thought and planning. Best of all, her coaching has guided me towards solutions that fit my core values and that have given me a greater sense of peace and overall wellRead more “A Greater Sense of Peace”
Jonathan, Attorney, New York, N.Y.
We’re Finally in Control of Our Finances
As the saying goes, “Perfection is the enemy of progress”. My wife and I have spent many frustrating years trying to get a handle on our finances using a number of different personal-finance software packages, to no avail. I realize now that household budgeting is not accounting, and does not demand the same rigor and attention to detail that is typically required by these packages. The most important thing is to get going with the budgeting process in whatever way
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As the saying goes, “Perfection is the enemy of progress”. My wife and I have spent many frustrating years trying to get a handle on our finances using a number of different personal-finance software packages, to no avail. I realize now that household budgeting is not accounting, and does not demand the same rigor and attention to detail that is typically required by these packages. The most important thing is to get going with the budgeting process in whatever way works. The rewards are great.
It was a pleasure working with Judy. She has a lot of experience and tools at her disposal. In addition to the basics, Judy has an approach to integrating a yearly budget with a monthly budget, which I’ve never seen before, and which has been extremely helpful. Judy was instrumental in getting us over the initial hump. We’ve made her system our own, and we’re getting better at budgeting each month. We’re finally in control of our finances.
It was a pleasure working with Judy. She has a lot of experience and tools at her disposal. In addition to the basics, Judy has an approach to integrating a yearly budget with a monthly budget, which I’ve never seen before, and which has been extremely helpful. Judy was instrumental in getting us over the initial hump. We’ve made her system our own, and we’re getting better at budgeting each month. We’re finally in control of our finances.
Jeff Lowe, Software Developer
You Really Were a Tremendous Help
You really were a tremendous help. And I’m so glad my daughters are learning this from an early age because of our work together. My youngest gets a school budget for clothes and it helps her to make wise choices (my 14 yo). My oldest is now out of the house and on her own. I’ve taught her to take a percentage of her income and put it in savings. It’s helped her get through “dry” times [her income is
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You really were a tremendous help. And I’m so glad my daughters are learning this from an early age because of our work together. My youngest gets a school budget for clothes and it helps her to make wise choices (my 14 yo). My oldest is now out of the house and on her own. I’ve taught her to take a percentage of her income and put it in savings. It’s helped her get through “dry” times [her income is variable]
Julie B.
Tools to Communicate With Each Other
My husband and I hired Judy when we were faced with some tough decisions about our money, and also to help us improve communications and planning between us. Judy’s MoneyTracker tools gave us a way to communicate with each other every month, and to discuss our upcoming obligations. We continue to use these tools beyond our coaching time with Judy because of their value to our planning. If you’re looking for a very practical money coach to deal with the
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My husband and I hired Judy when we were faced with some tough decisions about our money, and also to help us improve communications and planning between us. Judy’s MoneyTracker tools gave us a way to communicate with each other every month, and to discuss our upcoming obligations. We continue to use these tools beyond our coaching time with Judy because of their value to our planning. If you’re looking for a very practical money coach to deal with the here and now, Judy would be it. With so much focus on prosperity and wealth, it’s refreshing to work with someone who deals with the practical matters of money management.
Joan and John, Orange County, CA
You Are A True Coach
I would like to express my appreciation for your ability to help those of us who find budgeting and financial management daunting. I learned a lot from you today. You are a true coach; you were able to shed some light and showed value to tracking my daily spending. I used to hate doing this, thinking that having to track my expenses is a chore and it made me feel restricted. You have shown me a different mindset that having
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I would like to express my appreciation for your ability to help those of us who find budgeting and financial management daunting. I learned a lot from you today. You are a true coach; you were able to shed some light and showed value to tracking my daily spending. I used to hate doing this, thinking that having to track my expenses is a chore and it made me feel restricted. You have shown me a different mindset that having this information is very empowering because it will allow me to make choices and control my situation. You have a gift, thank you for sharing your gift with me.
Cecille Toy, Silicon Valley
Your Own Personal Power
I believe the key to financial freedom is the awareness that Judy encourages. When we work together, I learn skills that I didn’t even know existed. I believe those skills and working with Judy are the key to awareness and taking ownership of your own personal power — IRead more “Your Own Personal Power”
S. T. Chicago, IL
I Would Highly Recommend Judy
Judy has worked with my clients, both in litigation and in the collaborative process, to develop their budgets. She is very patient and thorough, and the clients come away with a much better understanding of their finances. I would highly recommendRead more “I Would Highly Recommend Judy”
Twila B. Larkin, Family Law, Albuquerque, NM
I Am Achieving Financial Balance
For years my finances have been out of balance; sometimes with serious consequences. With Judy’s guidance, and using her Budget Book, I am achieving financial balance and the ability to plan for expenditures in advance. I find that by recording my daily expenses I am gradually becoming more balanced in other areas of my life asRead more “I Am Achieving Financial Balance”
Linda, Burlingame, CA
I Learn Skills That I Didn’t Even Know Existed
Working with Judy Lawrence is one of the smartest things I have ever done … Master of the ZAP! I call Judy “Glenda the Good Witch”. It seems that after a session and/or conversation with Judy, I hang up the phone and have this new found energy, drive and motivation. It happens every time! She definitely knows something I don’t – yet. Judy has the knowledge, communications skills and professional teaching to get you toward your goal. I believe the
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Working with Judy Lawrence is one of the smartest things I have ever done … Master of the ZAP! I call Judy “Glenda the Good Witch”. It seems that after a session and/or conversation with Judy, I hang up the phone and have this new found energy, drive and motivation. It happens every time! She definitely knows something I don’t – yet. Judy has the knowledge, communications skills and professional teaching to get you toward your goal. I believe the key is the accountability that Judy teaches we owe to ourselves. Money is the tangible exchange of our energy and it’s important to pay attention to where and when you expend your energy. I believe the key to financial freedom is the awareness that Judy encourages. When we work together, I learn skills that I didn’t even know existed. I believe those skills and working with Judy are the key to awareness and taking ownership of your own personal power — I decide. I thank God I have her help and her — ZAP!
Anonymous – Chicago, IL
The Best Investment That I’ve Ever Made
I read Judy’s book, The Budget Book, and thought it was great for people who are wage-earners, which I’m not. My income is somewhat fixed and comes from other interests. I have a financial planner, am fastidious about my taxes, and use Quicken. I have great confidence in the professionals that I use. BUT, I had no handle on what those broad numbers really meant and what was going on financially with me. I have worked with Judy consistently for
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I read Judy’s book, The Budget Book, and thought it was great for people who are wage-earners, which I’m not. My income is somewhat fixed and comes from other interests. I have a financial planner, am fastidious about my taxes, and use Quicken. I have great confidence in the professionals that I use. BUT, I had no handle on what those broad numbers really meant and what was going on financially with me. I have worked with Judy consistently for the past 6 months and must say it is the best investment that I’ve ever made. I learned a way of keeping track of things that works for me. I am now in control of my spending, enjoying my life fully, making purchases consciously and not getting any surprises at the end of the month. My kids have benefited as well as they have seen me take control in this area and are doing the same things in their lives. Thank you Judy for helping me to help myself!!
Char Brooks, Attorney & Patient Advocate
I Don’t Feel Alone Anymore
Judy, I know I’ve said this before, but if it hadn’t been for you, there’s no way I could have gotten started on this and find a way to get my husband on board. I’m still scared with the state of our finances, but I don’t feel alone anymore. Thank you,Read more “I Don’t Feel Alone Anymore”
Linda, MBA, University Faculty Member
A Great Mentor
I highly recommend Judy for anyone desiring a great mentor. She tailors each appointment to suit our changing needs and growth while gently moving us towards our goals. Despite good income, inheritances, and loans against our home, we continued to fall behind with debts again and again. We had tried “tracking” our expenses and coming up with a plan but had always failed and gotten to a point of severe frustration and embarrassment about our inability to get out of
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I highly recommend Judy for anyone desiring a great mentor. She tailors each appointment to suit our changing needs and growth while gently moving us towards our goals.
Despite good income, inheritances, and loans against our home, we continued to fall behind with debts again and again. We had tried “tracking” our expenses and coming up with a plan but had always failed and gotten to a point of severe frustration and embarrassment about our inability to get out of debt.
As we approached our first appointment with Judy, we had a mixed sense of hope, anxiety and fear at examining the runaway train of our finances in the light of day. To our heartfelt delight and relief, our fears were completely unfounded. Judy’s background in counseling as well as her expertise in finances made her incredibly insightful and helpful as she skillfully blended her natural intuitive understanding of feelings with her ability to create a sense of hope, awareness and direction.
Our lives have changed considerably since that first appointment as we continue to work with Judy on a regular basis. We have begun to learn new skills and grow in the ability to focus together on meaningful goals for our finances. I can only say that Judy is a real talent and we are blessed to have found her.
Despite good income, inheritances, and loans against our home, we continued to fall behind with debts again and again. We had tried “tracking” our expenses and coming up with a plan but had always failed and gotten to a point of severe frustration and embarrassment about our inability to get out of debt.
As we approached our first appointment with Judy, we had a mixed sense of hope, anxiety and fear at examining the runaway train of our finances in the light of day. To our heartfelt delight and relief, our fears were completely unfounded. Judy’s background in counseling as well as her expertise in finances made her incredibly insightful and helpful as she skillfully blended her natural intuitive understanding of feelings with her ability to create a sense of hope, awareness and direction.
Our lives have changed considerably since that first appointment as we continue to work with Judy on a regular basis. We have begun to learn new skills and grow in the ability to focus together on meaningful goals for our finances. I can only say that Judy is a real talent and we are blessed to have found her.
Beth, MD and Don, DPM in PA