Feeling trapped under a mountain of bills? Dreading payday because it just means more money to manage? You're not alone. But what if you could rewrite your financial story? What if you could say goodbye to stress and hello to freedom, flexibility, and true control over your money?

That's the magic of You Need A Budget (YNAB), and I'm here to be your guide. As your YNAB Coach, I'm not just here to teach you a budgeting app – I'm here to empower you to transform your relationship with money.

Imagine a life where:

• You know exactly where your money goes. No more mysterious disappearances or end-of-month surprises.

• You can confidently say "yes" to what matters. Whether it's a dream vacation, a new car, or simply financial peace of mind, you'll have the power to make it happen.

• Bills become opportunities, not burdens. You'll approach them with control, knowing you're building a brighter financial future.

• Stress becomes a distant memory. You'll sleep soundly knowing your finances are in order, and you have a plan for the future.

YNAB is more than just a budgeting tool; it's a mindset shift. It's about breaking free from the paycheck-to-paycheck cycle and taking charge of your financial destiny.

And that's where I come in. As your coach, I'll provide:

• Personalized guidance and support: We'll work together to understand your unique financial goals and challenges, and create a customized YNAB plan that fits your lifestyle.

• Accountability and motivation: Stay on track with regular check-ins and encouragement. I'll be your cheerleader, helping you celebrate your wins and overcome obstacles.

• Expert advice and insights: Leverage my knowledge of YNAB and personal finance to make informed decisions and navigate any financial hurdles. 

Want to see if this is a good fit for you?  Your first session is free.  I believe the best way to fiqure out what 

Thank you,

Jay MacDougall
YNAB Budget Coach
PaydayCoach.ca