What Judy’s Coaching Clients Have to Say

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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

“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 well being.”
– Jonathan, Attorney, New York, N.Y.

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.”
– Jeff Lowe, Software Developer

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.

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

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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

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.”
– S. T.  Chicago, IL

“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 recommend her.”
– Twila B. Larkin, Family Law, Albuquerque, NM

“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 as well.”
– Linda, Burlingame, CA

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 – sensitivity of profession, Chicago, IL

“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

“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, Judy.”
– Linda, MBA, University Faculty Member

“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.”
– Beth, MD and Don, DPM in PA

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Financial Peace of Mind Coaching Clients

“I’m really excited to finally start gathering this information, and have you review it with me. It feels so daunting, but now I have support. If I get stuck I know I can review this with you and get unstuck. I really like the idea of this coaching.”  L.K.  IL

“Nobody wants to talk about how to do your budget. This work is valuable. I needed to bring the real financial issue into focus and get the true overview of my financial scenario. This has helped me tremendously. With support and encouragement I’m able to finally understand my finances, do the work necessary and finally get the hang of this budgeting stuff.”  P.B. AL

“I’ve learned how important it is to be much more conscious and mindful of my spending. I now think twice about spending. Actually, the spreadsheets are helping me become much more aware and changing my thinking. I now can clearly see the amount that remains to be spent in any one budgeted category during the month and have you and your spreadsheet exercises to thank for this milestone.”  N.B  CA

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I love how this coaching approach is offering people more time to learn new budgeting steps in smaller doses. Each new step brings more success, insight and confidence. If you’d like to find out more about how this new coaching program works, go to the
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Learn More About Your
Personal Budget Coaching Options