Author: renee.chapman23
Debt Snowball vs Avalanche: Which is Right for You?
(Spoiler: The One You’ll Actually Stick To) You’ve got debt, and you want it gone. So you search online, ask around, maybe even start a spreadsheet… and then stall out. Sound familiar? When my clients first come to me, they’re not lacking motivation—they’re overwhelmed by options. Snowball? Avalanche? Balance transfers? What they really want to… Read more
Accredited Financial Counselor® (AFC®) Candidate Now Offering Free Coaching Sessions
Exciting news from Climb Higher Financial Coaching—I’ve officially passed the Accredited Financial Counselor® (AFC®) exam! After months of dedicated study, I completed this rigorous 3-hour exam, which covers a wide range of topics including budgeting, debt reduction, retirement planning, and behavioral finance. This certification, issued by the Association for Financial Counseling & Planning Education® (AFCPE®),… Read more
Smart Ways to Use Your Tax Refund for Financial Freedom
Imagine waking up every morning with a sense of financial peace. No more sleepless nights worrying about how to cover rising costs or pay off debt. This tax season, your refund can be more than just a bonus; it can be the key to unlocking a brighter financial future. The Weight of Financial Stress Living… Read more
How to Overcome Financial Anxiety and Stop Living Paycheck to Paycheck
What money fears keep you up at night? Maybe it’s that sinking feeling when your card is declined. Or the stress of watching your paycheck disappear the same day it arrives. Those quiet whispers of doubt in the back of your mind? You’re not alone — and you’re not broken. The Real Reason You’re Struggling… Read more
Happy New Year – Make 2025 Your Best Financial Year Yet!
Financial Goal Setting for 2025 As we step into 2025, it’s the perfect time to take a good look at our money situation and set some goals for the year ahead. Whether you’re hoping to save more from each paycheck, get rid of some debt, or start planning for a big purchase like a house… Read more
I’m Debt Free – Do I Need a Financial Coach?
I would love to share some insights on why financial coach services can be beneficial, even if you’re already debt-free. In three months, take a moment to reflect on the progress you have made toward your goals without a financial coach. If you feel like you’re not quite on track, I invite you to schedule a… Read more
Tis The Thrifty Season: 12 Ways to Save this Holiday!
The holiday season is upon us! While it brings joy, laughter, and the twinkle of holiday lights, it can also lead to a financial hangover if we’re not careful. 28% of credit card users are still paying off their debt from last Christmas! But fear not! With creativity and a spending plan, you can celebrate… Read more
Financial Coach vs Financial Advisor: Which Is Right For You?
Are you looking to improve your financial situation? Are you unsure whether to work with a financial coach or a financial advisor? Let’s explore the roles, qualifications, and benefits of financial coaches and financial advisors so you may determine which one will best suit your needs. What is a Financial Coach? A financial coach, also… Read more
10 Practical Ways to Save Money and Boost Your Financial Health
Saving money doesn’t have to be overwhelming. With a few strategic changes, you can significantly reduce your expenses, optimize your spending, and improve your financial health. Here are ten actionable tips to help you save money and build a more secure financial future. 1. Unsubscribe from Marketing Emails Marketing emails can be a persistent temptation,… Read more
Redefining Your Financial Path to Success
Life’s unexpected events, such as job loss or income reduction, can leave you feeling financially vulnerable. However, these moments also provide an opportunity to reassess your financial strategies and take control of your future. Transforming your financial life isn’t just about surviving difficult times—it’s about empowering yourself with knowledge, building resilience, and making informed decisions… Read more