WORD ON THE STREET
"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."
"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...
"Before AJ, my mindset was to pay off my debt, that was all. I just wanted to get rid of it. When I started working with AJ my hope was to just pay of my debt and organize my finances. I began to see what I spent my money on, and I learned to take pause on purchasing things, and even looking for affordable options. My favorite breakthrough was to have money in a SAVINGS, and not put everything I have towards debt. I can now see a bigger picture in what I want in my life. That ability brings me ease. I can see now that I have a way to get there, overtime, that it is a journey. I would recommend AJ to anyone who has spending problems on instant gratification things, rather than needs, someone who is in debt and suffering to make ends meet, and anyone who wants to build a better future."
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Digital Production Analyst
"I was basically breaking even every paycheck, was scared to spend money but then spent every paycheck on anything I wanted with no real intention. My number one goal was to pay off my debt and stop feeling scared to spend money. I think I always just looked at money for what it was, something that buys me things. Working with AJ I have been able to dive deep into my relationship with money which has allowed and frankly MADE me look at myself more. I've never felt more in control of my life and I feel so much lighter. I feel like I can start to have real conversations with my close family and friends about money. I now understand how a budget works that is isn’t just about paying off debt saving. I can save and pay off debt while continuing to live my life and do things I enjoy. I would recommend AJ to absolutely anyone!! I don't even think you necessarily have to go to her if you only need help getting out of debt. I think what she does is help you understand your relationship with money, where things could have gone wrong, help improve it and empower you every step of the way."
Service Delivery Specialist
"I had the mindset of "fly by the seat of your pants" - meaning, as long as I was getting by, that was sufficient for me. This, of course, created a lot of anxiety revolving around money and my relationship with money was very hindered by my dependency on others when in truth my finances were in shambles. My biggest goal with AJ was, and still is, financial independence. Not only do I want to achieve financial freedom on my own, I don't want to rely on family when times get tough. Thus far, AJ has taught me the tangible skills needed to achieve financial independence, as well as the mentality I need to have to obtain this goal.
AJ has taught me to think for myself! I now feel empowered to make my own decisions without others' input. Every time I speak with AJ I feel a sense of both relief and empowerment - she makes me feel at ease, while also giving me all the tools I need to succeed! The first breakthrough directly relates to my relationship with money. For me, I viewed money in its most raw form - as a transaction. Now, I feel that I have a better understanding of what money means to me, personally, and the ways in which I can use it to benefit my life in a way that aligns with my values. AJ has empowered me to aggressively strive toward my goal of financial independence. Not only does she encourage me to purposefully think about what's important to me and why, she also provides me with the support and guidance I need to make the necessary changes to achieve that goal. And my final breakthrough relates to the way in which I spend my money, aka, my budget. feel that I now spend money very differently than before, in a much more mindful and decisive manner.
I feel much more confident in making financial decisions that support both my values and my goals. The word "budget" wasn't even in my vocabulary before beginning my journey with AJ. I truly feel that ANYONE could benefit from AJ's guidance, whether you feel financially free/stable or not. I think she is a magnificent coach that has the ability to adapt herself to each and every person's situation and mindset, while also not altering her mission as an advisor. She is highly emotionally intelligent and is always sensitive to my needs, but is also strong in her beliefs and very adamant on follow through - which is something from which I VERY much have benefited, as I am a highly motivated client, but have always struggled with staying on task - I have praised her in her ability to gently push me toward the goals I so badly want to achieve."
"Before working with AJ, I was stuck in a loop of fear and dis-empowerment. I was unintentional with my finances because I didn't feel that I had any tools to make any changes in my life. I knew I needed someone to help me get unstuck, feel empowered, and turn my financial life from something that caused a lot of fear and anxiety into something that made me feel powerful, independent, and back in the driver's seat of my life. AJ helped me discover that my financial life was covered in shame which made me feel alone and trapped forever in debt and a scarcity mindset. AJ gave me a team, someone to hold my hand, and practical tools to help me get unstuck and envision a new future. I can now prioritize and enjoy being in control of my financial life and future instead of spinning my wheels, constantly working to be scrappy, and digging myself further down into holes of uncertainty.
There's still some work ahead, but I now have a vision for the future that is full of more possibility than I could have imagined when I was living paycheck to paycheck. I would recommend AJ if you are stuck in uncertainty, have financial goals or want to develop financial goals for the first time, anyone with debt, anyone who feels stressed about the current economy under COVID-19, anyone who feels like they need a little extra support in their corner when it comes to planning or envisioning a healthy, free, and independent future."
"Before working with AJ, my mindset was impulsive and careless. I decided to start working with AJ to figure out a strategy on how to conquer my debt. Some of the major insights that I am already starting to see is that I know exactly where my money is going now, where before I had no idea how I was spending. I’m already developing more discipline and less impulsivity when it comes to mindless things like shopping compulsively."