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Financial Coaching FAQs
How can I afford a Financial Coach when I am broke?
Financial coaching gives you a high level of detail and individual attention. A financial coach devotes all their resources to your specific situation. Although financial coaching does cost money, it is a necessity for some people.
If you need a financial coach, then you need to compare the cost to the costs of bankruptcy, which can be $500—2,000 in legal fees alone or the cost of compounding interest on your debt or credit counseling. A Financial Coach is a bargain compared to the alternative, plus you'll have a plan and be on the road to a successful financial future!
My spouse won't come to coaching with me. Can I still come?
Many couples also find that addressing their financial situation reduces the stress on their marriage. My policy requires both spouses to attend the coaching session. From experience, I've learned that coaching only one spouse does not work. This must be a team effort.
How do I know when I need a Financial Coach?
I will help you develop and implement a plan specific to your unique situation. You may be facing a crisis like bankruptcy, foreclosure, or harassing creditors. Maybe you need help building wealth or starting your small business. Even if you have some general questions about money management, financial coaching could be right for you.
I am trained to handle a wide variety of situations and will offer detailed advice and a specific plan to make your money work for you!
Do you work for Dave Ramsey, Inc?
I have been trained by the Dave Ramsey, Inc team, but I am an independent business owner. All of my financial guidance is based on the principles Dave teaches as well as my financial background.
Will you keep my information confidential?
I am a Ramsey Preferred Coach and I do not have the right to share your personal information. All information is kept in the strictest of confidence.
Who are my clients?
My clients usually have these common situations and myths about money:
- In debt
- Living paycheck to paycheck
- Embarrassed and ashamed about their financial situation
- Have made financial mistakes in their past
- Believe they are the only person who has trouble with money management (not true)
- Wonder how they could afford a financial coach
- Think that if they had the money they'd fix their problems on their own
- Have had emergency setbacks that got them off track
- Don’t know how to build a basic budget
- Don't know where to start and are overwhelmed
- Have irregular income which they believe makes budgeting difficult
- Want a stress free financial life
What happens in our first coaching session?
I will work diligently to understand and evaluate your current budget, goals and resources. We will begin developing a strategy to meet and exceed your goals. I will recommend a specific course of action that is smart, realistic and easy-to-follow.
How do I pay for my sessions?
I accept: Cash, Check or Debit Card via an invoice
How much does financial coaching cost?
With financial coaching you are making an investment in your financial future and changing your financial legacy. During your complimentary financial consultation, we will discuss your curent finanical situation, your goals and what it will take for you to attain your goals. Once we decide that financial coaching is a good fit for you, I will walk you through the session packages that I offer.
Where will we meet for our coaching sessions?
We will meet via Zoom or in a public location such as a coffee shop or public library.
Do you provide legal or other professional advice?
Financial Coaching is designed to give you accurate and authoritative information regarding the subject matter covered. It is provided with the understanding that the coach is not to render legal, accounting, or other professional advice. Depending on our situation, you must also seek the services of a licensed legal, accounting and/or investing professional.
What if I miss, have to cancel or reschedule my appointment?
Failure to show up for an appointment(s) or appointment(s) not canceled and/or rescheduled at least 24 hours prior to your scheduled appointment, will result in forfeiting that appointment and payment. Monday appointments must be canceled by 5 pm on Friday. If the business is closed due to inclement weather, you will be able to make up missed appointments.
Pilates FAQs
What if I can't do all the exercises?
If you are unable to complete an exercise, I will work with you and make sure we modify or stop any exercise that may be causing any difficulties.
I have some physical limitations, can I modify some of the exercises?
Yes, of course! At our initial meeting, I will learn about any limitations, injuries or surgeries that you may have and develop a plan to work around them or strengthen those areas if needed.
What happens at the first session?
The first session is a discovery session, where I provide you with an intake form, ask questions and we perform some basic exercises so that I can develop a customized plan suited to your needs.
How many sessions do I need a week?
The number of sessions is completely up to you. Joseph Pilates famous quote is: "You will feel better in ten sessions, look better in twenty sessions, and have a completely new body in thirty sessions." The more sessions you do a week the faster you will feel better and see results. One, two or three sessions a week is a typical amount for my clients.
How do I schedule my sessions?
Session are scheduled directly with me at the end of each session. You can chose a standing appointment that happens weekly or you can change the day and time weekly based on your schedule and availability.
Where is your studio?
My private studio is in my home in Clarkston, Michigan. I have a Pilates studio with Pilates equipment.
What should I wear?
Wear comfortable workout clothes so you can move freely. You will be performing the exercises in our bare feet so you do not need to be concerned about your gym shoes. You may also wear toe socks with grips on the bottom For women with long hair, it is best to wear your pony tail on top of the head.
Where do I park?
Since my studio is in my home, please park in my driveway in front of the house or on the street if there is another client in the driveway.
Will you work around my crazy schedule?
Yes, I am available most evenings and weekends.
What is your cancellation policy?
Failure to show up for an appointment(s) or appointment(s) not canceled and/or rescheduled at least 24 hours prior to your scheduled appointment, will result in forfeiting that appointment and payment. Monday appointments must be canceled by 5 pm on Friday. If the business is closed due to inclement weather, you will be able to make up missed appointments.
What if I am running late for my session?
I understand that circumstances may happen where my clients will be running late for their sessions. I will take each situation into consideration based on how late my client is to their session.
How do I pay for my sessions?
I accept: Cash, Check or Debit Card via an invoice
What if something has physically changed since my last session?
Keep Budget & Body by Nicole fully informed of any physical condition(s) including but not limited to pregnancy, disability, or any other condition that would prevent or limit your safe participation in an exercise or physical conditioning program.
Can you help diagnose my injuries?
Although the conditioning program you will be participating in may have substantial physical benefits, Budget & Body by Nicole is not engaged in diagnosing or treating medical diseases or deficiencies.
To learn more about my financial coaching services and find more answers to your financial coaching FAQs click here.
To learn more about my Pilates services and find more answers to your Pilates FAQs click here.
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