I am so excited to work with Nicole. She is professional, helpful and kind. I am confident that I am going to win my debt battle with her coaching assistance! Highly Recommend!

Nicole is absolutely AMAZING at what she does! After one meeting, I’m already feeling so much better about our finances!

I highly recommend Nicole. She has been very well trained by Dave Ramsey’s organization. The website also provides a lot of helpful information and many videos to explain the process. It seems they’ve thought of everything! Nicole encouraged me to go down this path because of the freedom it gives. (Isn’t that funny – freedom to spend just creates a lot of pain!) She is very compassionate and kind and understands how easy it is to get into debt. I have struggled with spending for decades, because preparing a budget and keeping track of all expenses just seemed overwhelming. Nicole is very knowledgeable about the budget process and offers many helpful suggestions and ways to cut back. When my husband and I disagree about some budget item, or even long range planning, Nicole offers some very wise comments for us to consider. The Ramsey software is excellent and detailed. It’s easy to use once you get “the hang of it” and Nicole is a very good and patient teacher. When I fill in my expenses, the program automatically tells me how much is left in each category and how much is left over all . So far, we’re very pleased with the free version and haven’t found the need to go to the Premium edition. I’m starting my second month on the budget and love it! It’s wonderful to know exactly where my money is going, and now I really think twice about my discretionary spending.