Author: renee.chapman23
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Financial Confidence Isn’t Found In How Much You Earn
Are you stressed about money, feeling like you’re always living paycheck to paycheck, or unsure how to get ahead? You’re not alone. Financial confidence isn’t about earning more — it’s about planning for what matters most and making intentional decisions with your money. My Journey to Financial Confidence For years, I was a single mom… Read more
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🎉 Celebrate Park and Recreation Professionals Day with a Free Month of Financial Coaching
You work long hours, pour your heart into programs, and serve your community with everything you have. But when it comes to your own finances, it’s easy to feel overwhelmed or stuck. Most Parks and Recreation professionals are incredible at supporting others—but rarely get help for their own financial wellness. Budgeting, saving, or managing debt… Read more
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People Are Living Paycheck to Paycheck — No Matter Their Income
You might think living paycheck to paycheck only happens to people who don’t make much money. But that’s not true. According to Bankrate’s latest survey, 34% of American workers live paycheck to paycheck. That’s more than 1 in 3 people—and it includes people at all income levels: Financial stress isn’t just about how much you… Read more
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The Six-Figure Struggle: Why Earning More Doesn’t Mean Financial Freedom
When people think about financial stress, they often picture someone with a low income, struggling to get by. But one of the most surprising patterns I’ve seen in my work as a financial coach is how many high earners, those making six-figure incomes, struggle to get by and feel completely broke. But why? The truth… Read more
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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
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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
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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
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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
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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
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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