Financial Consultant, Trainer and Speaker on Psychology of Money, Financial Counseling for Couples

I want you to know I have been in your shoes. My marriage almost ended in divorce over money conflicts. It took time and help from a financial professional to turn things around. Video: Denise & Husband Greg before starting her practice.

That experience was life changing for my husband and I. It opened our eyes to mutual blind spots, immature financial behaviors, limiting beliefs and helped us get back on the same page with life goals. If we could do it I believe you can too.

Step into your courage and ask for help!

Here's a list of common ways we sabotage ourselves financially. Can you relate to any of the following? If so, my coaching services will benefit you!

Common Ways We Sabotage Ourselves Financially

Practicing Distancing Behaviors Toward Your Money

Distancing behaviors are behaviors that disconnect you from your relationship with money. They are behaviors that push money away from you! Avoidance, procrastination and disorganization are examples. Underlying these behaviors at a core level are fear, feelings of inadequacy and lack of confidence when it comes to managing money. These feelings create an experience of overwhelm, anxiety and a sense of being out of control.

Limiting Beliefs

Listen to the thoughts you have about money. Your thoughts tell a story about the beliefs you hold to be true about money. Do you have thoughts about there never being enough or have negative stereotypes about people who have money? Do you feel stuck in your financial situation, finding it challenging to move forward in the direction you'd like? Do you have a hard time earning your worth? Do you have a hard time saving money? Your financial numbers tell a story about the behaviors you bring to your relationship with money. By breaking through limiting beliefs...you will earn, save, live, and give, to your fullest potential!

Financial Vagueness

I bet you know your shoe size, how much you weigh and what size of clothing you wear. Just as important are knowing the amount in your checking account at any given time, the amount you owe in debt, your savings and investment numbers, how much it takes to live on in a month and what target number needs to be put away for retirement. Many people leak personal power when it comes to "knowing their financial numbers." Knowing your numbers allows you to make the best decisions you can for your particular situation. "Knowing" your numbers is a way for you to stand in your power, financially speaking.

Credit Card Debt

Credit card debt is a symptom of a bigger issue. Maybe you don't earn enough, maybe you overspend or maybe no one has taught you the tools to live within your means. Maybe you are using money to finance esteem needs and the hole you try to fill just gets bigger. Together, we will create a strategy to eliminate your debt once and for all.

Inability to Save Money / Overspending

Much of America lives paycheck to paycheck and we are currently in a negative savings rate according to recent statistics. Being a paycheck or two away from the streets is no way to live. Many people finance their "wants" before their "survival needs," then don't have money left over for the basics. Sometimes we need to re-evaluate and shift our priorities to "needs" first and "wants" second. We need to change our cultural mantra from "Buy Now, Pay Later," to "Buy Now, Pay Now!"

Many of us never learned how to save money for non-monthly expenses like car registration, insurance premiums or property taxes. Not saving for these expenses creates a vulnerable situation because then, they are usually financed by a credit card, which creates further debt. I will teach you how to set priorities and make sound decisions that best support your short and long term goals.

Relationship Conflict Over Money

Most couples have different attitudes about money and instead of focusing on what they agree on, they focus on what they disagree on. Frequently one is a spender and one a saver. One takes charge and pays the bills and the other isn't as aware about what's going on. Most couples don't have the tools or structure to talk about money in a solution focused way.

Feelings of Guilt or Anxiety Over Inherited or Earned Wealth

Many clients burn through their money because of feeling uneasy about having so much. They worry. They aren't sure if their friends like them because of who they are as a person versus because they have money. Wealth also buffers negative consequences. Sometimes people with affluence can stay in an unproductive behavior pattern when it comes to money because it takes awhile to experience a consequence.

Growing up in a family of wealth and being a trust baby can also make one lack confidence that they can actually be competent financially, hold down a career and bring in an income.

Hoarding Money

Some people hoard money because of the fear there won't be enough. They have anxiety spending money and often sacrifice their own healthcare needs, clothing needs and other survival needs in order to have money in the bank. They lack balance in meeting both survival needs as well as having their dollars nourish their life and spirit.