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.
  • Feel a sense of shame or embarrassment over your lack of money management.
  • 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


Skype would be the best choice if you are located outside of the US.
If you prefer first contact via phone, please include your phone number above and your preferred date and time (and time zone) below.
If you prefer your consultation to be over Skype, or other live platform (like Zoom, Messenger,, please include your Skype number or contact link.
Judy may contact you first via email to work out and confirm a more suitable date for both parties.
Your Preferred Time (in your time zone)
You may choose several different times. Judy will try to meet your requested time, but may contact you first via email to work out and confirm a more suitable time for both parties.
Please include your time zone. (required)
You may choose several subject lines if they apply to your current situation. And you can add your own 'Topic Of Discussion' in the field below.
This entry can be in addition to what you've chosen above...
Tell me a little about what you hope to accomplish through budget coaching, your current frustrations and concerns about your financial situation or whatever else you think would be helpful going into our discussion.
Do You Already Own The Budget Kit?
When you sign on for any coaching package with Judy, you'll receive (as needed) a free copy of the Budget Kit eBook and Worksheets.
e.g. Google, Bing, Amazon, Search results, Spoke with Judy before, Word of mouth or other.