Hi, I'm Karen and I'm a Finance Coach for Christian couples. If you're ready to get on the same financial page and build wealth together, my weekly newsletter is for you. Get practical tips for having positive money conversations, stretching your budget and creating financial unity in your marriage.
Feeling overwhelmed by money? You’re not alone (and there’s a way through)
|
Hi Reader , If your finances feel a bit all over the place lately, you’re so not alone. The good news? You don’t need a total money makeover to start seeing progress — just a few smart, intentional steps. This is Part 1 of a short series where I’ll guide you through the very first things I get my coaching clients to do when they’re ready to get a handle on their finances. Let’s start with something powerful:
Your net worth is simply: Everything you own (your assets) minus Everything you owe (your debts) So grab a pen and write down: What you own (bank account balances, savings, investments, your home, your car, etc.) What you owe (credit card balances, student loans, personal loans, mortgage) When you subtract the two, you’ll get your number. It’s not about judging yourself — it’s just a clear starting point, and a powerful way to track your financial progress over time. Two key areas I often focus on with clients once they know their number: Decreasing debt (especially high-interest ones like credit cards) Building up your emergency fund (more on that next!) You’ve got this. And I’ve got you. With love, P.S. Sometimes the first step is simply facing where things are at. If you want support working out your net worth, reply to this email and I’ll talk you through it — no jargon, no judgement. |
Money and Marriage
Hi, I'm Karen and I'm a Finance Coach for Christian couples. If you're ready to get on the same financial page and build wealth together, my weekly newsletter is for you. Get practical tips for having positive money conversations, stretching your budget and creating financial unity in your marriage.
Hi Reader , One of the most common things I hear from couples is: "We just can't get on the same page about money." One person wants to save. The other wants to enjoy life now. One sees a budget as freedom. The other sees it as restriction. Sound familiar? Here's the truth: getting on the same financial page doesn't mean you have to think exactly alike. It means you understand each other and work together toward a shared vision. This week, try this: Sit down with your spouse and ask them: "If...
Hello Reader , As a finance coach for couples, I get asked all the time: "What's the ONE book we should read together?" Without hesitation, I recommend "The Psychology of Money" by Morgan Housel. Here's why this book is a game-changer: It taught my husband and I (and now the couples I work with) that personal finance is more personal than it is finance. Our money decisions are driven by emotions, experiences and psychology rather than pure logic. Understanding why we make certain money...
Hi there Reader , I'm Karen, and I wanted to properly introduce myself—or reintroduce myself if we've crossed paths before. I'm a finance coach for Christian couples, and I live in Kenya with my husband (who pastors at a large Christian school here) and our daughter. We're originally from the UK, but we've made this beautiful country our home for a few years. Here's the thing: I didn't become a finance coach because I had it all figured out. I became one because it took my husband and me 18...