I have been working with Sandra for just about one year now and she has been nothing short awesome.  I started with $44,062.85 and I have currently eliminated paying for windows in my home, student loan, and personal loan totaling $24,155.21.  She has taught me how to budget my money not only so I can pay off my bills in a timely fashion but so that I can live a quality life and save money at the same time.   I met Sandra I was making minimum payments on all my bills and really not saving anything.  She is an expert and professional but best of all she pleasant to work with.  I am in the home stretch of eliminating unnecessary debt and I couldn’t have done it without her guidance and expertise.

Sandra has been working with us for a year and a half, providing us with helpful guidance and advice for reaching our financial goals. She has been a great financial coach and we would strongly recommend her to anyone. In fact, we already recommended her for a family member.

There are three areas where we really appreciate Sandra’s financial coaching. First, she has helped us to focus on all the details of our finances, using her excellent Money-Sense finance and budget planning tool. We had a budget planning system before meeting Sandra, but her tool has proved to be far better and we are glad we switched to it at a crucial time. Secondly, whenever we have faced difficult questions, Sandra has been very creative, probing us to explore different options, and helping us to think about our long-term goals even when we are making short-term decisions. She also explores various options herself and does some research for us in between meetings to find all the information we need. Lastly, Sandra has been a real encouragement on our journey to financial independence. Since we started working with Sandra, we have achieved two of the three goals we set, and we will hopefully complete the third goal within the next four months. A big part of this achievement has Sandra’s constant encouragement along the way, even when we felt we could not see the end. She has been our loudest cheerleader! Thank you, Sandra.

I am so impressed with Sandra with Money-Sense.org.  For years I thought I did a pretty good job writing out my bills on a steno pad each month listing: Bills – Amount Owed – Amount Paid – Date Paid – Balance.

After following the steps outlined in Sandra’s program, it made it simple to see where your money is going and also gives you a accurate picture to focus on.  Her program drew my attention to four (4) major things; Goals, Organizing, Focus, and Discipline.  After trusting myself to being honest with her about my total financial health, she was able to diagnose my problem and assist me with getting on and staying on the right track to a wonderful financial future.  I did have one issue I had to overcome though, that was balancing my operational expense checkbook down to $0.00 with nothing left over.  I know this is how a balanced budget is supposed to be, but I always felt that I should have low-limit balance remaining.  Sandra taught me that every dollar has a place… it is too often I had money laying around and not working.

It is not how much you do not have, it’s what you do with what you have!   Allow Sandra to help navigate your financial health for six months and you will feel the release of stress immediately at day one!   Oh what a joy it is…

I have had financial coaching sessions with Sandra and she made me feel I was in a comfortable and safe environment to talk about my personal finances.  Sandra has helped me rewire my mindset when it comes to money. This year, 2020, has not been kind and I was extremely worried about my financial goals.

Many of my concerns or fears used to be a huge burden of weight but after speaking with her, she helped put things into perspective for me.  My finances are no longer this huge scary thing that I deny or tip-toe around. She has always been kind enough to lend me her ear when I needed to use her as a soundboard.

I’m now able to face my issues surrounding money and with her help, I have already paid-off 3 debts!  I am very thankful to her.

“Mrs. Sandra is truly an angel embodied with wisdom, care, and tenacity. When I first reached out to her for financial coaching, I was in a depressed space and completely drained with the thought of getting financially fit. Before we began, she prayed and encouraged me that things can change. Once we did my first budget, it felt like a breath of fresh air because she helped me to see my income differently. Throughout our relationship, Mrs. Sandra holds me accountable and challenges me with my choices. She celebrates all my accomplishments, and I have already paid off one credit card and haven’t purchased ANYTHING on credit within the past 4 months of working with her. I am so thankful for her and her work. I can truly say that I have been in a better space emotionally and mentally now that my finances are a priority. Thank you so much, Mrs. Sandra!”