Budgeting Sucks 

Be the Commander of Your Money Army

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Are you a Spender?

Natural Spenders need different budgeting guidelines than Natural Savers.

Spenders need automatic saving practices and the freedom to spend.

Our system works because it was created by a Spender, tested by Spenders, and proven to help you win with money.

Not sure if you're a Natural Spender or a Natural Saver?  Take this quiz!

Know  Your Money , Be Empowered 

If you've been hiding from your credit card statements or judging yourself for past money mistakes, it's time to try a brand new approach to money management.

Be the Commander of Your Money Army

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Debt Snowball Spreadsheet

Break out the comfy pajamas because you're gonna sleep better tonight!

Go from being up to your eyeballs in bills to being a woman with a plan!

No matter how overwhelming your debt seems in your head, it's a lot less scary when it's organized.

Start here.  Start today.  

Because nothing can stop a woman with a plan!

Debt-Snowball-Budget-Diary-Franchelle-Ca
Woman with Head Scarf

Hi I'm Franchelle

I help ambitious women to manage their minds and manage their money so that they can reach their goals with ease and freedom. 

I'm a life coach;

and a Dave Ramsey Certified Master Financial Coach with a Doctorate in Medicine.

I retired from Medicine at age 41 after paying off over $500,000 of my family's debt.

I can help you.

Young Woman with Smart Outfit

FREEDOM

Debt is a spiritual matter.  A borrower is beholden and enslaved to her lender.  Without debt, you are able to act and speak without constraint.  And the money you earn comes directly to you. 

CONFIDENCE

Imagine your life without debt or monthly payments.  Where would you live?  How would you travel?  What kind of work would you do? Being free gives you the confidence to imagine your life outside of the box.

CHOICES

Being out of debt means that you can apply your monthly payments to your savings and investments.  You will build wealth more quickly this way, giving yourself the choice to spend your time and money however you wish.

 

Women Are Feeling Relief

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A client writes, "I can't begin to explain how much you have helped me to gain control of my money. Paying off debt won't happen overnight. The accountability with the other ladies in the group is what keeps me going."

(Update: she's now paid off her house.)

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Paying off Debt Quickly

A client got The Budget Diary and started her debt-free journey. In 72 days, she paid off 7 medical bills, 2 credit cards, and one personal loan!

After a few short months, her family is now completely debt-free!

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Living by Core Values

After only one month in the Club, a client realized where she was overpaying in areas of her life that were not in sync with her core values. She was able to make significant changes & create a life she loves while traveling full time.

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This program is your path to the freedom, confidence, and choices you deserve.

Franchelle Caesar, MD, Master Financial Coach