Author: renee.chapman23

  • 12 Smart Ways to Avoid Holiday Debt and Enjoy a Stress-Free Season

    The holiday season is upon us! While it brings joy, laughter, and twinkling lights, it can also create a financial hangover if we’re not careful. 28% of credit card users are still paying off last year’s holiday spending, but the good news is—you don’t have to be one of them this year. With a little Read more

  • How to Do an End-of-Month Budget Review (Without Stress or Shame)

    Learn how to do an end-of-month budget review without stress or shame. This simple step-by-step guide helps you understand your spending, adjust your categories, and make next month smoother—no perfection required. Read more

  • Budget Mastery: How One Session Helped My Client Save For Her Dream Vacation

    So often, clients come to me feeling like they’ll never be able to do what they really want because there just isn’t enough money. For some, that might be true — but for most people, it’s the little daily habits quietly getting in the way of their goals. Last month, a client came to me Read more

  • 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

  • 🎉 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

  • 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

  • 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

  • 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