Life is better when you’re in control of your money. When you know what your values are and you align your spending to your values, you experience spendfulness. YNAB makes it easy for you to live spendfully. Whether you have a lot of money or a little money, YNAB can help you. YNAB, a method and a mindset paired with attractive and accessible software, is easy to use once you get going. But for many people, the learning curve is steep. I can help flatten the learning curve by helping you set up your spending plan in the app and teaching your the app’s best practices. And even more importantly, I can coach you through the YNAB method and mindset so you can start living spendfully.
Janine is very easy to work with and has infinite patience. We worked together via Zoom and with screen sharing, she was able to help me through my personal learning curve. Within a few sessions, I was able to cut several hundred dollars a month in spending without affecting our quality of life at all. YNAB has given me a complete picture of where my money is going and has removed a lot of the stress of figuring out how to pay future bills. Working with Janine to implement YNAB has been a great experience for me (she made the process fun!) and I feel like I have much better control over our spending.
— Elaine
The first step in working together is to schedule a free Discovery Call. During this complimentary 20-minute Zoom, we’ll make sure we’re a great fit.
If you decide you’d like to work with me, the next step is to choose whether to sign up for my From Scattered to Spendful six-month intensive coaching program, purchase a 90-minute YNAB Assessment & Strategy Session, or have me do the daily maintenance for you and then guide you through targets and assigning so you stay on track.
From Scattered to Spendful coaching program
If you want to learn to handle YNAB on your own, this is the program for you. In this six-month program, we’ll meet together a total of twelve times:
- Four weekly sessions in Month 1
- Two biweekly sessions in Months 2, 3 and 4
- One monthly session in Months 5 and 6
After our first intensive month, you’ll have a fleshed out YNAB spending plan and the ability to handle it on your own with periodic support from me to answer the real-life questions that will inevitably come up. By the end of the six months, you’ll spend confidently on what matters most to you, be equipped to handle the YNAB challenges that come your way, and live with true peace of mind about your finances.
The program includes a complimentary follow-up session to use any time within six months after completion of the program because your long-term success matters to me.
So that you have my full attention during the intensive first month, I limit signups for the program to one new client per month. If that spot is filled, you can join the Waiting List for From Scattered to Spendful and I’ll let you know as soon as a spot opens up for you. If you need immediate help, you can purchase a YNAB Assessment & Strategy Session.
You met me where I was, never judging me, just helping me to see things. I have a whole new attitude about money and am feeling much better about where I am. You never made me feel bad about things and always encouraged me. I appreciate that! You’re an excellent YNAB coach!
— Jane
YNAB Peace of Mind maintenance program
YNAB works best with daily attention, but if you’d rather focus on intentional spending decisions—not transaction details—I’ve got you covered. With YNAB Peace of Mind, I handle all your categorizing, approving, and reconciling so you can enjoy clarity about where your money goes—without the daily grind.
Here’s what you get: I manage your YNAB daily tasks, email you weekly with questions to keep everything accurate, and meet with you twice monthly over Zoom to review your spending and targets, assign money intentionally, and ensure you’re on track with your financial goals.
Whether you’re a YNAB user who is having trouble keeping up, someone coming back to YNAB after a hiatus, or are new to YNAB entirely, this service can work for you.
Pricing:
- Standard Tier ($850/month): 1–5 on-budget accounts
- Premium Tier ($1,150/month): 6+ on-budget accounts
Commitment: 3-month minimum, then month-to-month flexibility.
The initial payment includes a $225 setup fee to cover a 90-minute Zoom call to get your spending plan started, refreshed or fine-tuned so it’s ready for me to maintain.
Spending Plan Zoom Parties
All clients (past and present) are invited to my Close Out the Month YNAB party on the last day of the month on Zoom. Everyone present works on their own YNAB spending plan, making sure there’s no overspending when the month turns over. I’ll be there working on my YNAB and answering any questions you might have.
I will never be able to thank you enough for changing my life with YNAB!
— Patti
I am a YNAB Certified Coach, which means that I have been trained to coach people on using YNAB software and the YNAB method. I have met select requirements of YNAB in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or its affiliates.