Do you have a budget?
Do you know where your hard earned money goes? 
8 out of 10 people don't.
​78% of people live paycheck to paycheck. 
WHAT I DO
I will help you stay on track with a budget, lower debt, and reach those goals for retirement and savings. 
All of it can be done virtually. 
HOW I DO IT
Step 1: We talk over the phone via SKYPE or in person regarding your needs
Step 2: You set up a MINT account (It's FREE) to track all your accounts and expenses
Step 3: I go into your MINT account every 3-4 days and categorize expenses
Step 4: At the end of the month I put all categories in a spreadsheet
Step 5: At the end of 3 months I create a report that will make suggestions on where to cut and an entire section on how long it will take to pay off your current debt (after you provide me with the numbers)
Step 6: I am happy to maintain your budget for you and keep you motivated to reach your goals or I will teach you how to do it yourself. 
ITS EASY TO TAKE CONTROL OF YOUR MONEY, YOU JUST HAVE TO TAKE THE FIRST STEP!
I am non-judgmental, friendly, and I GETS RESULTS!
Call me today: 434-242-7754
REVIEWS
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I highly recommend Sandy to help you stay on track with a budget, lower debt, and reach those goals for retirement and savings. All of it can be done virtually. She will track your expenses and categorize them every month. She will enter them in a spreadsheet and after 3 months of tracking will write you up a report and make suggestions on where to cut and how long it will take to pay off debt. She will maintain your budget for you or show you how to do it. She is non-judgmental, friendly, and GETS RESULTS!
- Sarah R.