Coaching Sessions are FREE to Residents of Pittsfield, MA and the Surrounding Areas
We will discuss what money is used for and why money management is so important to our lives.
Through our jobs, savings, and investments, we earn money.
Money earned can be either spent, donated, saved, or invested.
It provides for your basic needs such as food, clothing, and housing.
It helps further your careers and interests through learning and education.
It allows you to purchase gifts for yourself as well as others.
It also allows you to have experiences such as travel and entertainment.
When it comes to money, many people spend all their energy just trying to get through the month, living paycheck to paycheck.
Bills, rent, food, transportation, and everyday expenses can leave little time to think about saving, planning, or preparing for the future. As a result, many people end up living paycheck to paycheck and lack control over their finances.
Strong money management skills are essential, regardless of your income. Even individuals and families who appear financially stable can be just one unexpected expense—such as a medical bill, car repair, or job change—away from serious money problems.
It’s easy to assume that people with fancy homes or new cars are doing well financially, but that’s not always the case. Many high-income households carry significant debt, have limited savings, and lack clear financial plans for the future.
The reality for many households:
Money decisions are often driven by urgent bills rather than long-term plans
Most people don’t have an emergency fund to handle unexpected expenses
Savings for the future, including retirement, are often limited or delayed
So why aren’t we better at managing money?
No one likes to talk about money or their financial problems.
We were never taught how to manage money in the first place, or if we were, it was often with incomplete, outdated, or incorrect information.
In many cases, the issue isn’t income alone - it’s not having the tools, information, or support to manage money effectively.
Personal money management is not just about knowing the right information - it’s about everyday habits and choices.
Many people already know what they should do with money. But putting that knowledge into action can be difficult when life is busy or stressful.
Small, consistent behaviors - such as tracking spending, paying bills on time, or saving a little at a time - often matter more than financial knowledge alone.
This program focuses on helping you develop practical habits that work in real life, rather than just learning financial terms.
Personal money management is not just about knowing the right information—it’s about everyday habits and choices.
When it comes to money, many people spend all their energy just trying to get through the month, living paycheck-to-paycheck.