[cs_content][cs_section parallax=”false” style=”margin: 0px;padding: 45px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][cs_text]There are many avenues today that make it easy for you to borrow the money you need, so you can quickly have the things that you want. However, how many of them are encouraging you to “pause and assess” before making that buying decision? None!
As a Budget Coach, my goal is NOT to stop people from buying. I have no personal agenda to lower the Gross National Profit or to be responsible for the economic downturns- My husband owns a landscaping company so I see inherent value when his clients want to “beautify their properties” and spend their money to do so. It’s what feeds our family.
My passion is about helping people gain control over their buying decisions and their finances at each stage of life’s transitions. Whether you have just graduated college, getting married or divorced, purchasing a home, or nearing your retirement dream, getting in control of your money and getting clear about your path is crucial to your success in making the right decisions in each of these transitions.
Personal Finance is not just about the numbers. 80% of our buying decisions are emotional.
This leads people to making decisions without looking at the bigger picture. Their debt payments starts to suck up the majority of their take home pay and saving seems impossible. When things get ‘tight’ –they feel stressed from the constant feeling of “running in place” and they don’t know how to get out of the vicious cycle. I’ve been there myself so I get it.
I’m here to help. My programs are designed to support you in establishing your financial footing. I make it super easy. I provide you with an individualized easy to follow budget plan and give you workable tools that will even make this fun! YES, BUDGETING CAN BE FUN!
Let’s get started and get you in control of your money…. I’m promise you are going to feel a whole new level of financial finesse! [/cs_text][x_accordion][x_accordion_item title=”Student Loans” open=”false”]I have a client who made a tough decision years ago when he was in college. He wanted to be a lawyer, but realized that the cost of his primary education added to the cost of the additional years necessary to finish, would put him way past his debt comfort zone. He passed on the law degree, and completed his major in Finance. He has had a successful career as a business owner and that decision served him well. However, many students and parents today don’t think that hard about the financial burden that they will be holding when deciding about which way to go.
Many of the clients I see today have been carrying their student loan debt around with them for 5-10 years or are recent graduates who are stepping out of college carrying with them the heavy burden of $45,000-$100,000 of student loan debt. Many for the first time realizing that the “unsubsidized” Federal & Private Loans that were so easily accessible, have actually been accumulating interest from the day they were written. I get this a lot: “I figured that since I didn’t have to start paying them back until six months after graduation that I was NOT paying any interest? Now I owe all of this extra money on top of what I borrowed?!? Uggh!”
Many come to me with no sense of urgency to pay their loans off either. They want to start (or have already started) their next chapter with their new job, a new car, a new house, and a family. When all of that happens, many times they are making the decision to pay the lowest amount on their loans choosing not to attack them at all. They make just the minimums on those, just the minimums on the credit cards, just the minimums on their car loans and the cycle begins! OR worse yet, end up in default because they over extended themselves.
If you want to attack things differently and be in control of your future, let me give you a solid plan design and the budgeting tools I use to make this fun and easy. We can start today and cut YEARS off what’s been going to the lenders.
Let’s get YOU IN CONTROL of the decision about how long and how much and cut their grand scheme money making formula right out of it!
Let’s get started!
[/x_accordion_item][x_accordion_item title=”Credit Card Debt” open=”false”]Credit Card Debt is the worst…Here is the cliff notes version of my story
You see, I got my first credit card offer in the mail at age 19 right when I was just about finished with my Associates degree. I moved out, got my first apartment, bought a new Eagle Talon and then USED that FIRST “credit card” to buy some appliances, a grill, some furniture, some nice work clothes and added that new “minimum monthly payment” to my new “monthly expenses.” It wasn’t long before I started using pay-day style loans to supplement my way through life. Unfortunately, these came with attractive low minimum monthly payments BUT with exorbitantly high interest rates.
It wasn’t long before I was feeling a bit PINCHED. (DOES THIS SOUND FAMILIAR TO ANY OF YOU??)
Well, It took me some time to SEE what I was doing. I took on two additional part time jobs doing taxes and selling life insurance on top of my full time admin job and after about 4 years of diligence I was able to dig my way out of the $15,000 DEBT NIGHTMARE I had started at age 19—
But I cleaned it up and swore that I would never go back…
I’ll show you the tools to help you avoid getting into this vicious cycle. If you are already there, I’ll help you dig your way out. NO BANKRUPTCY Needed! As a budget coach, I will give you the guidance and direction you need to stop feeling as though you are treading water all the time and teach you how to TAKE CONTROL BACK.
[/x_accordion_item][x_accordion_item title=”Mortgages” open=”false”]“It’s just the single most important purchase of your life!” NO pressure…
If you are in search of your perfect home (or upgrading to the next one) you know the buying process has become pretty simplified. You start surfing the internet daily to make sure you don’t miss any hot new listings. You find a reputable realtor to work with and then find a lender to “pre-qualify’ you with terms you are comfortable with, an interest rate that seems fair and payments that you afford. That’s how the American Dream starts. However, the piece I see go missing so often, is the part that had led to so many living the American Nightmare!
Who is stopping you from looking at the BIGGER Picture? Pretty much everyone in the buying cycle. The realtor, the lender, the home inspector, the insurance agent?
NO! They are all hedged on this transaction coming to fruition, NOT talking you out of it.
What do I mean by bigger picture? I mean really sitting down with you to hammer out your true cost of not only purchasing the home but also taking into consideration what it looks like if/when things like interest rate fluctuations happen, real estate taxes increase, future home repairs and maintenance is required? That’s where I come in!
As a budget coach, I make sure you are digging deeper than the surface of ‘can we afford the payment”. Making sure that you take into account ALL the cost that should be considered and how choosing this home affects your longer term financial goals so you are not left with ‘buyer’s remorse’ down the road.
If you are already in your home and thought you had it all figured out but but your running in place unable to meet your other goals or obligations because your escrow changed and the town, the bank, and your check book are all looking for more, we should definitely talk.
Mortgages create their own level of stress separate from your other monthly bills. Missing a mortgage payment comes with its own sense of failure that is way different than missing a cell phone payment. As with all of your debt, I’ll show how to manage these payments in a timeframe that you control and feel confident with…
[/x_accordion_item][/x_accordion][x_prompt type=”left” title=”Interested?” message=”If you are interested in learning more about establishing tools for an independent & financially secure future check out my Budget Support Packages and GET STARTED TODAY!” button_text=”Budget Support Packages” button_icon=”chevron-right” circle=”false” href=”http://michellejacobik.com/budget-support-programs/” href_title=”” target=””][x_line style=”border-top-width: 1px;”][cs_text]“I have been working with Michelle since August of 2016 and in less than a year, she has turned our lives around dramatically. Michelle has worked to help my family to organize a reasonable budget and we have now eliminated more than $20k debt; putting us in a much better position financially than we have ever been. I have never felt more control of my finances than I do now. If you are struggling with finances, you’re “sick of the hustle” and tired of stressing over your financial future, then I highly recommend connecting with and reaching out to Michelle. I speak from my own personal experience when I say that THIS WORKS. This journey with Michelle has been so much more than finances. It has truly transformed our lives!” – C.B.[/cs_text][/cs_column][/cs_row][/cs_section][/cs_content]