I can offer long-term budgeting strategy/tips for individuals or families with small incomes.

I can talk through and help you to set up a realistic 12 to 18-month budgets w/ notes that can be expanded into multi-year budgets. This is a shame-free and confidential organizational offer and discussion session that will help you to track and optimize your income and spending patterns to reduce or avoid late fees, interest payments, and other resource leaks. I'm not a financial advisor. I am not giving investment advice. I'm resourceful and enjoy the art of budgeting.