Three Month Money Makeover

Lots of questions about my coaching programs lately — here’s a breakdown of my most popular one.

3-Month Money Makeover

Program Overview

The 3-Month Money Makeover is a guided coaching program designed to help you get clear, organized, and consistent with your finances. Using Monarch Money and weekly coaching support, you’ll build awareness of your money habits, set a clear financial goal, and create systems that help you stay on track long-term.

This program is about progress—not perfection.

What You’ll Work On

• Understanding where your money is going
  
  

• Creating awareness around spending habits
  
  

• Setting and carrying out one SMART financial goal
  
  

• Organizing finances into a clear, manageable system
  
  

• Building accountability and consistency

Tools Used

• Monarch Money app (required)
  
  

• Weekly guided actions and check-ins
  
  

• Accountability and coaching support
  
  

Program Structure (12 Weeks)

Month 1: Awareness & Clarity

• Connect all accounts in Monarch Money
  
  

• Review cash flow, net worth, and spending patterns
  
  

• Identify habits, triggers, and values
  
  

• Set one clear SMART financial goal
  
  

Month 2: Organization & Systems

• Build a realistic spending plan using real data
  
  

• Organize bills, subscriptions, and due dates
  
  

• Create a debt payoff or savings strategy
  
  

• Set up emergency and sinking funds
  
  

Month 3: Accountability & Sustainability

• Establish weekly money check-ins
  
  

• Strengthen money mindset and reduce self-sabotage
  
  

• Plan ahead for the next 3–6 months
  
  

• Create a long-term maintenance pla