BEYOND THE GREEN
Budgeting The New
A lifestyle company
I'm AJ, and I didn't always have a good relationship with money...
This is a story about a girl and her money
"At the worst stage of my financial history I was in $10k worth of credit card debt, that had been sitting in collections for years. I hadn't touched my $34k worth of student loans, hadn't filed for taxes in 5 years which amount to $10k AND I started to accumulate debt to my family another $9k.
I was in constant fear.
I felt helpless and lost.
Working so hard and never seeing the fruits of my labor.
I was exhausted, I was angry and I could not see a way out."
What they're saying!
"Before I had a lack mindset. I never felt like I would never have money. I was super defeated and felt I had tried everything. I had constant anxiety about money, I was spending more than I was making, and I had $10,000 of credit card debt that was accumulating.. Now, I have more power and control of my finances. I see more possibilities. I am 2 months away from paying off my CC!!!!! I have negotiated pay which led to raises. I have consolidated my student loans which lowered my monthly rate, I increased my income, and learned I can say no to things that are out of my means and it is not restrictive it is empowering! I track my expenses and income every month. AJ says financial wellness is self care and it’s so true!! I have literally recommended her to everyone in my life."
“I was stubborn and thought I can do this on my own, I know I need to pay off credit card debt and then student loans. I chose to work with AJ when I was feeling overwhelmed by all the opinions surrounding debt and what is the *best* way to get rid of it. My goal from working with AJ was to make sure I am saving smart. I am no longer staying awake at night doing calculations about saving and what I can afford. Talking about money does not cause frustration or arguments anymore. I have peace that saving money takes time and it’s the little victories that are the most important. I am able to have a budget for clothes and my car loan without stress! I would recommend AJ to any of my friends that are recent graduates that are in credit card debt.”
Before AJ, I felt "There's got to be a better way than this"...and by this I mean no real way, just sort of unrestricted money in money out. My number 1 goal working specifically with AJ is to build out some structure that I can rely on and then move forward (and upward) from. I also needed to talk about finances and be heard and get solid advice about all of the emotional deformations and hang ups I have about money...which is partly why I had such a garbage system around it in the first place. I needed someone more than just a money Spock. Only a few sessions in, but so far I was surprised that I could make a plan to pay my necessities, save money for the future, tackle debt AND still have a chunk left over for myself to actually enjoy life. I was convinced being financially sound meant living in a black and white, tight butt cheeked world. I’ve been able to let my subconscious relax. I’d recommend AJ to anyone who like myself and my partner; two very smart, creative, high spirited people who are (but now becoming awake) dumb af about money.
"AJ has taught me to think for myself! I now feel empowered to make my own decisions without others' input."
Service Delivery Specialist
"You saved my life."
"I had a lot of fear and kind of crossing my fingers week-to-week. My hope is just to get my feet under me, feel solid and confident in my money situation so I can make better decisions moving forward... Basically I was ready to create a financial foundation for myself and my partner. Working with AJ, one of my biggest realizations has been that I make more money than I realized! Which really drove home the point that my issue isn't how much money I make, it's what I'm doing with that money. I love having a coach to hold me accountable while I build new habits. Even doing the historical expenses... if I didn't have a deadline and someone I could trust who was checking that I'd done it, I probably never would have done that." www.shantiknight.com
"I have worked with AJ over the last year on budgeting and my relationship with money. The best way to explain my relationship to money before working with AJ is avoidance. I came to AJ after avoiding my bank accounts for years, not looking at my spending habits, feeling fear around my debt, and making minimum payments. After my first call with AJ, she put me into action, actively looking at my spending habits, creating a spreadsheet, she already had me walking through my fear after our first call...
Her course simply makes you look at the same situation you have been looking at all your life through another viewfinder. It's not like a refresher course of finances. This is a way to change your view of finances for a lifetime. One of the best parts is that you are given permission to make mistakes, there is no judgement and you are held up to standards where you must do the work.
"I have more confidence in my abilities and know AJ will help hold me accountable on that journey.I can now create a debt repayment plan, create and stick to a budget, forecast income, open another credit card, open and invest in an IRA account....so many things"