"Emma was a tremendous help to me! This is embarrassing to say but, I had never made a budget before or ever really thought about where my money goes every month! I just lived by the rule of pay the bills and put things I want on credit. I had the mentality that I couldn’t save because I didn’t have the money to. I also thought I would probably have to work my entire life. I was SO wrong! 

Now, I do not just put things on credit! I save for the things I need, think about whether or not I actually need the item and then make the purchase when I have the money and it has been well thought out. I have already started paying off credit card debt and have been putting money away in savings every month! Emma saved me from possible financial ruin in my future. She helped me change into someone who may in fact be able to retire one day!"

"Emma has taught me so much about my finances.  She is patient, clear, and makes the process fun and enjoyable.  Who knew I would enjoy learning how to budget so much?  Learning that the most important step is to actually look at my finances and hold myself accountable for every dollar I spend, although it sounds simple, was transformative.  The path to budgeting and keeping my finances in order is laid out in front of me, it is time to do the work!"