Nicole Kobziewicz Financial Coaching

In a few short months, Nicole has helped my husband and I understand and succeed in an area of marriage we had not done well in 43 years. Our finances! She is AMAZING in her approachable, knowledgeable, funny and also highly professional way! We never thought we would LOOK FORWARD to sitting down weekly with our finances and creating a clear path ahead to reduce debt and live comfortably and peacefully in our golden years. Nicole not only navigated our financial picture and turned it around, she has also taught us a new way of looking at money! and it's FUN! Thank you, Nicole, for investing your heart and time into us. We are the better off now financially (and that means emotionally) than ever! Merl and Marilou

First month underway. Nicole has been so reassuring. She is very thorough, uplifting and shows clarity in my path. Allowing freedom in choices, giving understanding in good decision making.

I started coaching with Nicole through Ramsey Plus. I just moved out on my own and wanted to start out fresh knowing everything I could about financial health. I highly recommend Nicole for education, encouragement, and accountability to help you reach financial freedom!

Can't say enough good things about Nicole and her financial coaching. In a matter of months she has helped me establish a plan to pay off my credit card debt, has guided me through how to set up contract work for additional income, has encouraged me along the path of clarifying my "what's" and my 'whys" for wanting financial health and has done it all with positive energy, practical wisdom, and guidance that seems to truly come from the heart. I always feel encouraged and never pressured in our interactions and I come away from every hour with a dynamically fuller understanding of money in general and my own personal financial situation in particular. The video connection is always clear and consistent and the content never feels redundant or canned.

I’m so excited to continue to work with Nicole. She is not here to waste my time. She gave me so many tips and tricks in just my first session on how to save money and how to set up my budget. She gets to know you as a person and helps create your budget with your lifestyle. I truthfully believe I finally found someone that can help my husband and I get out of debt. Looking forward to our next meeting.

Nicole was really friendly and helpful! She was willing to schedule a call that worked best for my schedule. She let me explain my situation and gave honest feedback. At no point did I feel judged by her, she was very welcoming and understanding. She helped me narrow down my focus to make smart financial decisions!

In just a few months I have seen HUGE improvements in my organization, credit score, wasteful spending, and debt. Nicole is well versed in financial coaching and knows the best route to tackle any issue!

Meeting Nicole was very comfortable She is energetic and has positive personality ! Professional and down to earth also. Alot of information is shared and explained thoroughly. I feel she is always looking out for MY best interest.

Nicole was a great help with my decision to stay the course with my financial journey. She made good sense and encouraged me to continue to rid myself of debt to enjoy a debt free retirement. Will make an appointment again once debt is gone. Thanks Nicole.

Very good consultation, I was feeling so stressed about my financial situation but after getting a more in-depth review on the baby steps, I feel like I can sleep better now and I don’t feel so overwhelmed. Thank you Nicole!

Working with Nicole has helped my family tremendously! Her guidance and the consistent check ins help us stay on track to focus on our financial goals through some unexpected changes.

My experience with Nicole so far has been wonderful! She is very genuine and honest about the process and makes you feel like you’re not alone and she will be there for you. She answered all of my questions and is always available. I couldn’t ask for anyone better to help me on this journey!

Nicole is wonderful to work with! She is professional, efficient, and very knowledgeable. She is always on her game and incorporates current events into her coaching. I highly recommend Nicole as a financial coach!

Nicole does more than just teach us to be financially responsible! Through her knowledge, experience and prayer she guides through the emotional baggage attached to our finances. For the first time in my life I feel that I am in control of the money instead of the money controlling me!

Nicole KNOWS how to help YOU! She has been absolutely fantastic to work with. She's helping me reach my financial goals, while also giving me great feedback! If it wasn't for Nicole, I would be drowning in my financial burdens, but thanks to her guidance, I KNOW where my money goes and how to use it! Thank you, Nicole, for all your wisdom! I appreciate you!!

Nicole is a wonderful coach. She takes the time and effort to make sure that your future is secure. I recommend if you are struggling she is a wonderful and caring individual.

Nicole is very knowledgeable and helpful with the budging process. She is a very good teacher and ministers to all areas of my life, for that I am very thankful. Nicole does not judge me, she is very encouraging and uplifting. Thank you Nicole

I cannot say enough positive things! We felt like we were in a state that we couldn’t recover from. Nicole was stern but sensitive to the subject. Just enough of a swift kick to make some MAJOR changes and spark the motivation to do things better for ourselves and our family. I am going on month 3 with Nicole and I don’t foresee it ending anytime soon. Thank you Nicole from the bottom of our heart 💜

I booked a complimentary consultation with Nicole about an issue that I had concerns with and wasn’t sure which path to follow so I knew I needed some advice. Nicole called promptly at appointment time and we discussed a couple of things together and she helped me tremendously. She was a big help to me, and everything we discussed that she suggested made perfect sense. As with many others, I wish I would have made the call sooner. If you are thinking about making a call about advice in a direction that you are having a hard time with, call Nicole, you won’t regret it.

Being new to the Debt Free game, my wife and I decided to make a change and commit to the Ramsey method. In doing so, we were introduced to Nicole. A little skeptic of the process and not sure what to expect we booked a free consultation to discuss our situation and see if we were going to move forward. Well, we took a leap of faith and moved forward with Nicole on a monthly basis. What a game changer she is. Explaining the process one step at a time and really listening to our situation, we’ve grown to value her expertise and the knowledge she brings to the table. It’s not easy, but it’s so nice to having her along side of us. Coaching, educating, and truly concerned about “OUR” financial freedom. We WILL be debt free and Nicole is a huge part of all the success we’ve had so far. We highly recommend scheduling a free consultation. You owe it to yourself. Brian and Kim

Good morning i just wanted to say thank you for giving me your book I've read it 3 times now. i am in a point in my life were i am now financially happy i have paid off all cc debt and i have brought my score up from 620 to a whooping 750 within a year my next goal is to pay my car off, i purchased it in march 2022. im halfway there now my goal is by December to have it paid in full. i appreciate your accountability and i see you and hear you on Facebook i am so proud of myself for not relying on cc usage. i am not in her group i just simply followed her on Facebook I kept her book with me to reference myself and to keep me in check with my own progress

Nicole has easily gone above and beyond helping me out with various times emailing her and speaking with her and that's even after just a free consultation. She has provided insight and direction multiple times for me to try to work on different topics regarding my finances. I easily recommend reaching out to her for at the very least of free consultation in letting her assist you in funny the Best service that fits you!

Nicole is a HUGE help ! Because of her i have improved as a person and matured managing my money like a human is supposed to. When i tell you that she’s the real deal … SHES THE REAL DEAL!

Such a great teacher in the art of finance. Great motivator, highly recommend.

Nicole is a joy to work with. She is professional and pleasant. Every aspect of my resources, goals, and needs has been taken into account creating a personalized plan. I 100% recommend working with her, you won’t regret it. You will only regret not doing it sooner.

Nicole was very helpful and I am grateful for her support and help.

This was my first time talking to a financial coach. I was really nervous and didn't felt prepare, but Nicole was so friendly, warm and open throughout our conversations. She guided me through the steps I needed to take in this season and reminded me to stay consistent and discipline. Nicole was incredibly knowledgeable, helpful, and made me feel more certain regarding my financial goals. I had a great experience, would recommend Nicole anyone!

Nicole has helped me get my financial focus back. Now that I am a widow, and my focus has to be different then before, she has helped me put fires out!

I cannot recommend Nicole enough. Her guidance is invaluable. She makes her clients feel like anything is possible by setting up measurable goals and providing motivating support. I feel confident and pumped after every session.