Please use the form below or call 505-554-2638. I will get back to you within 24 hours.

As one of the pioneers providing personal one-on-one budget coaching and counseling, I understand the deeper side of how money affects our lives.

With solid action and incremental steps we can create a blueprint for a lifetime of financial change.

I help Individuals, Couples, Single Parents, Seniors, and others who:

  • Are tired of working hard, making good money, yet have little to show for it.
  • Have tried other systems, programs, software, and books, yet you’re still not satisfied.
  • Want to stop the financial chaos and get a grip on your personal finances.
  • Are feeling overwhelmed, confused, stressed, and anxious about money.
  • Are tired of constantly dealing with debt and never being able to save.
  • Are experiencing stress in your personal relationships because of money.
  • Want to learn how to be proactive versus reactive while managing  your budget.
  • Want money management tools that you can use and adapt for the rest of your life.
  • Are ready to change and want more financial peace of mind, confidence, control and sense of personal stewardship and responsibility.
  • Want to finally be fully present and available mentally and emotionally for your family, friends, work and colleagues.
home energy efficient savings
Judy Lawrence MS Ed. Founder of Money Tracker
Money Coach & Financial Counselor


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