Financial Articles

Practical guidance for your financial life.

Explore clear, approachable articles on budgeting, debt, saving, homeownership, and everyday money decisions, with ideas you can begin applying to your own situation.

Renee Chapman, founder of Climb Higher Financial Coaching
About the author

Renee Chapman

Renee Chapman is the founder of Climb Higher Financial Coaching, an Accredited Financial Counselor® Candidate, and a Ramsey Solutions Master Financial Coach. She provides practical, judgment-free financial coaching to help individuals and families navigate budgeting, debt, and everyday financial decisions.

Virtual coaching is available nationwide.

Learn more about Renee’s approach
Read and explore

Start with the topic that feels most useful today.

You do not need to learn everything at once. One useful idea and one practical next step can begin to create meaningful change.

Take control of your finances with a mid-month money check-in

A budget should not be created and then forgotten. Learn how a simple mid-month check-in can help you review your progress, make adjustments, and stay connected to your financial goals.

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Navigating the financial reality of homeownership in New Hampshire

Preparing to buy a home involves more than saving for a down payment and qualifying for a mortgage. Explore the additional costs of homeownership and how to determine what you can realistically afford.

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Frugality and saving: The secrets to Ronald Read’s $8M estate

Ronald Read quietly accumulated an $8 million estate while living a modest life. His story shows how consistent saving, patient investing, and everyday financial habits can create meaningful long-term results.

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Struggling with debt? Take one step at a time to find relief

Debt can feel overwhelming when you are unsure where to begin. Learn how gathering the facts, breaking the problem into smaller steps, and focusing on one decision at a time can help you move forward.

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Taking control of your finances

Financial literacy is not simply knowing financial information. It is understanding your situation and applying what you learn. Discover three practical actions that can strengthen your financial awareness.

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Financial Literacy Month: Why a budget is essential for financial success

A budget is not about restriction. It provides direction for your money. Learn how to create a realistic spending plan, adjust it throughout the month, and use it to support what matters most.

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Knowing what to do is only the beginning.

Financial information can help you understand your options, but applying it to your own life may still feel difficult. A complimentary 20-minute Clarity Call can help you identify a thoughtful next step.

No judgment. No pressure. Just a thoughtful first conversation.