A Money Coach in Canada

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James is a current client working through my online Money Coaching program. Here’s what happened when he completed module 2. It wasn’t easy. But it was good.

Dear Moneycoach:

Wow, what can I say… First of all, Happy New Year!

Speaking of the new year, I can tell this is going to be a year of growth for me in many aspects, including of course, the financial. Wow Nancy, going through modules 1 and 2 of your program, I have felt a whole set of emotions, going from excitement, to fear, to shock, depression, shame and now hope and possibility.

As I wrote to you before, I began with excitement, knowing that I will finally have tools in my hands to be able to be free from financial anxieties. I went through module 1 and that was fast. I noticed I had three credit cards and I took one out, so my wallet currently has two credit cards, the ones with the least credit limit. I had little problem with that.

Module 2, now that’s a different story. First, I unconsciously and consciously avoided going through it. But you know what they say, it is precisely those things we tend to avoid, that when finally undertake them, we experience the most growth. I think I avoided going through it because I felt fear of what I might find out.

Once I got a hand of my bank statements and started adding things up in your spreadsheet, I was shown a clear picture of why I have been stressing lately. I was shocked! I was shocked to see that if I tried to pay more then the minimum of the credit card balances, I wouldn’t have much cash left for me for the whole month. From there I went to feeling quite depressed and ashamed after realizing how careless I have been. I clearly had not been loving myself. But I do now, and once I have the big picture, I have realized that with a little effort, I can have a better grasp of where my money goes, and make decisions. I actually feel quite encouraged now, I know that this is the year I turn it around.

Thank you for devising this program and I can’t wait to get on with module 3. If I were to make a suggestion, I would make the meditation around money available throughout all the modules. When I was feeling all depressed, I felt I was needing something like that to help me reassure me that I’ll be fine.

FInancially, hopefully, yours,

James