Archives For financial literacy

Command or Cop-out

July 24, 2014 — 4,543 Comments

If you are in command of your financial situation, you have a written plan, with goals broken down into objectives and timelines, and you communicate your plan to your loved ones. Continue Reading…

Bankruptcy Basics

March 17, 2014 — 4,076 Comments
Frequently when a person contacts Coach Julia about Financial Coaching, bankruptcy is mentioned. Do you know the Bankruptcy Basics?
Listen in on this very quick overview of what filing Bankruptcy will get you, and what it will not. Better tools build better buildings. Contact Coach Julia today to get your free initial consultation scheduled.


Manage Well

February 18, 2014 — 4,559 Comments

You have the same amount of hours in a day as Nelson Mandela, Abraham Lincoln and Eleanor Roosevelt. It’s all in how you manage your resources (money or career or skills or time or fill-in-the-blank) that shows the difference between reacting and being proactive. If we plan how to best use our resources,  Continue Reading…

Money and Food

January 14, 2014 — 3,971 Comments

What do money and food have to do with each other?

Money and food are fuel. Money and food are served and consumed by us daily. Money and food can be used to build peace, health and capability. Money and food can be ignored allowing chaos, fear and illness. Be intentional.

So the morning headline was “FREE CELL PHONE FOR STUDENTS” – sounds like a good deal, right? I thought so too until I started reading the fine print:

1 – You have to purchase a cell phone from this electronics store at full price. This isn’t a deal breaker for me, but it requires some up front cash.
2 – There is a small monthly charge to administer the account, and there is a dangerous overage charge for the data plan (unless you are a very light data user).
3 – You may want to consider before upgrading your student to a smartphone that requires a data package. Simplicity, like a cell phone that only talks and texts, can be a fine gift.

Consider carefully what kind of cell phone is truly a “gift” and what kinds might set a young person up to overspend.

Are you considering getting that special someone a cell phone or smart phone for Christmas? Refuse to pay retail. Consider this:

Home Buying Resources

November 5, 2013 — 1,266 Comments

Educate yourself on what to expect in different areas as you consider who to hire as your real estate professional. Would you like to discuss these options and more? Contact Julia and get your consult scheduled



15 of the top financial coaches put their heads together to create a resource for you and your family. Visit Then email me and let’s get the process started –




July 6, 2012 — 4,132 Comments

Recently I received an email offer from a favorite coffee shop of mine. They were offering me a coffee press for free! My  initial reaction was “YEAH!” – a gift.

But was it really a “yeah” moment? Feelings are all very nice. They are just not reliable for making good decisions. Continue Reading…