One of the biggest mistakes people make when deciding to move is around what they can 'afford' in their new home rent or mortgage payment forgetting how much it actually costs to physically move from one place to another (as well as the other implications such as gas to get to work if you are further, home improvements, etc). As a Ramsey Master Coach, I have helped clients determine whether it's a good time for them to move financially, given your debt to income ratio and what the long term implications could be if you make the wrong move too soon.
Financial coaching is all about you. It’s about understanding your current situation, whether a move makes sense and developing a custom plan to help you win with money both pre and post move. Whether you’re burdened by debt, need help with big money goals, or just want to get on the same page with your spouse on what you can afford in your next home, I will walk with you as you make real progress with your finances.
*Each situation is unique and some will require more/less work than others. That will be determined during the discovery call.
Think of a 'Moving Coach' as a wedding coordinator and air traffic controller in one, but for your move!
It's really hard to predict the hard and soft costs of a move. There are a lot of unknowns that can come up and whether it is making decisions around where to get the sturdiest boxes (or free boxes), hire movers (and all those associated costs, what to tip, etc.) or not- we need to start by figuring out whether or not it makes financial sense to leave your current situation at all. I'm trained to take all things into consideration, help you work it into your budget and prepare you for the best/worst case scenarios.
Depending on how far out your move is, the size of your living space, how long you've been there and how much stuff you have, all of this can change but in general, it's best for us to start working together 1 month prior to putting your home on the market or 3 months prior to your moving day (if selling your home, once you accept an offer you generally have 2 months until you close/ moving day). We typically do a mix of virtual and physical sessions- rates will be determined by needs.
Discovery (D) will be 30-60 minutes, fees waived.
*These are just suggestions. Each situation is unique and some will require more/less work than others. Some of these sessions could include me helping you pack if you are within a 100 mile radius.
Thank you for trusting us with your journey!
We'll start with a 30 minute discovery call to get to know each other better and decide what your needs are for your upcoming move.