Terri Wills Financial Coaching

Terri Wills Financial Coaching I meet you where you are in your journey and guide you on your path to achieve your financial goals.

04/26/2022

Cha-ching,cha-ching. What’s the first thing you do when you get a bonus or a raise? Seriously,how much better is your life going to be now that you can buy that designer handbag & the matching wallet? Or what about that golf course membership you’ve been wanting that all your buddies already have? Be careful though because lurking around the corner is Lifestyle Creep (aka LC), which is what happens when we increase our spending after getting a raise or even after paying off debt. Of course, there is nothing wrong with nice things or occasional indulgences. By all means,treat yo’self. We just need to be aware of LC because it is a slippery slope. How can you resist the creep?

1. Be intentional. Don't let the ‘extra’ money coming in tell you where it wants to go. This is where the budget comes in. Budget the extra income & be intentional about where it goes. You worked hard for that raise. Don’t let it slip through your fingers.
2. Make a plan & stick to it. You want to retire early? Plan to have the raise immediately go into your 401k. Want to beef up your emergency fund? Don’t think…just send the money to your emergency fund.
3. Resist the urge to keep up with the Jones’. The Jones’ are average. Do you want your personal finances to be average or exceptional? Make you’re spending choices based on your goals,and not on impressing other people.

If LC has happened to you,you’re not alone, friend. It can happen to anyone,regardless of income. Only you can make the decision that you want the Creep out of your life! Do you want help with that? As a Financial Coach,I'm trained to meet you where you’re at in your financial journey & get you on a path to achieving your financial dreams! Schedule a COMPLIMENTARY Financial Coaching session today. Booking link in bio.

04/23/2022

I’m so excited to announce that as of this week, I am officially a Ramsey Preferred Coach. I believe that everyone deserves to have financial freedom and it’s an honor to be able to walk with my clients during their journey. I’m excited about being apart of the Ramsey Preferred Coaching network that will open more doors to work with people and walk with them as they change their lives and family trees by using the tried-and-true .solutions formula to personal finance success.

04/20/2022

Where do you see yourself 5 years from now? 10 years? 25 years? One of the easiest (and most fun) things to do is to dream about the future and what it might look like. It’s one thing to dream, it’s another thing to do the work to get there. Dreams don’t just come true overnight. There’s a lot of work that needs to happen to make your dreams a reality. What is your dream? A dream vacation to Greece? A second house on the lake? Seeing your kids graduate from college without student loans? What do all of these dreams have in common? Yup, they all cost money. No matter what your dream is, it can be yours and you don’t need debt to get you there. You just have to start today so that you don’t have regrets tomorrow. Don’t know where to start? I can help! As a trained Financial Coach, I am trained to meet you where you’re at in your financial journey and get you on your path to achieving your financial dreams, no matter what they are! Make the decision today that you want to learn more about creating a financially secure future. Schedule a COMPLIMENTARY Financial Coaching session today at https://calendly.com/terriwillsfc/financial-coaching-consultation-45-minutes

04/09/2022

Let’s face it y’all, times are tough. Groceries, gas, interest rates…you name it and the prices are going up. Don’t fret though, there are a things you can do to put a buffer between you and rising costs. We just need to get a little creative and take a deeper look at where our money is going and find savings. Let’s dive in…

1. Don’t be shy to ask your service providers for discounts or to optimize your plan & remove services you’re paying for & not using. If you ask & they say ‘no’, no harm done. Now you have motivation to find a new provider that will give you the savings you want.
2. Shop around for insurance! Don’t just let your insurance renew every year, be proactive & shop around for the best rates. The goal is to put money back in your wallet, not the insurance company’s.
3. Shop generic brands. (insert collective gasp here) Ok, seriously yall, generic brands are awesome! (ahem… from ) With food prices rising 7.4% since a year ago, you can take advantage of comparable generic brands that can save you 10-30%! Of course, you can still have your fave brand names (I’m looking at you ), but then try a couple generic items. You might be surprised!
4. Do some spring cleaning & sell your gently loved items on . It’s a great way to make easy extra cash & to give those awesome pieces a second life.
5. If you order out, call the restaurant and pick it up. Not only are delivery/service fees high, but often the food prices in delivery apps are higher than if you ordered at the restaurant. An extra bonus is that by picking up & ordering directly with the restaurant, you’re helping your favorite restaurants stay in business by saving them the commission fee, which can be up to 30% of the order!

Got any inflation-fighting tips of your own? I’d love to hear them! Comment below or DM.

04/06/2022

In just under 3 weeks, you could be well on your way to having no more money stress—ever! It’s possible when you know how to handle your finances. Join my virtual Financial Peace University class, and we’ll learn how to dump debt and build wealth. You won’t even have to leave home. And now, you can try Financial Peace free for 14 days! Visit fpu.com/1149911 to sign up and learn more. Class starts Tuesday, April 26, 2022.

Link in bio/info section. DM with questions.

04/01/2022

Let’s look at some student loan statistics real quick:

- 21 years ➡️ Average Time It Takes to Pay Off Student Loans*
- $38,792 ➡️ Average Student Loan Debt Per Borrower*
- 5.8% ➡️ Average Student Loan Interest Rate*
- $393 ➡️ Average Student Loan Monthly Payment*

I don’t know about y’all, but I cringe when I see those stats because from a young age we are told that we need to get a college degree to get a good job. And to get a college degree, we are also told that we could just take out student loans and pay them back later. No big deal, right? It seems so simple, and becomes so engrained in us at a young age that we don’t think twice about signing on the dotted line for that first student loan. Fast forward to six months after graduation, reality strikes and we have to make that first student loan payment. Now what? Are you destined to spend an average of 21 years paying off your student loans into your forties? Absolutely not. You can pay off your student loans and be free of them in much less time, but you need to have a plan and commit to it. Are you ready to tell Sallie Mae bah-bye? I can help! As a certified Financial Coach, I will work with you to develop a plan to free you of student loans once and for all. I am trained to meet you where you’re at in your financial journey and get you on your path to achieving your financial dreams, no matter what they are! Make the decision today that you want to learn more about paying off your student loans and get the financial freedom you deserve. Schedule a COMPLIMENTARY Financial Coaching session today at https://calendly.com/terriwillsfc/financial-coaching-session-60-minutes


*Data Sources: Educationdata.org, OneWisconsinInstitute, Experian, FederalReserve.gov

03/29/2022

What are the Four Walls, you may wonder? Well, I’m glad you asked! Your Four Walls are:

· Shelter
· Utilities
· Transportation
· Food

It doesn’t matter what your income bracket is, we all need our Four Walls protected and intact because they are critical to our survival. This is why we protect our Four Walls when budgeting. The Four Walls are the first things you need to account for in your budget and everything else is budgeted for after that. Now, it doesn’t hurt to look at where your Four Walls spending is coming in at and identify opportunities to pull back and save. You might be taking toll roads too often and need to find alternate routes. Or your grocery bill is high because you like to buy name brands. Perhaps you’re paying too much for car insurance and could save your transportation money by shopping around. Get creative in finding ways to save on your Four Walls so that you can put that extra money towards getting out of debt. If you’re debt free, you can use it to beef up your emergency savings. Are your Four Walls protected? If you’re not sure, I can help! As a certified Financial Coach, I am trained to meet you where you’re at in your financial journey and get you on your path to achieving your financial dreams, no matter what they are! Make the decision today that you want to learn more about protecting your Four Walls through budgeting. Schedule a COMPLIMENTARY Financial Coaching session today at https://calendly.com/terriwillsfc/financial-coaching-session-60-minutes

03/22/2022

What is a Financial Coach?
A Financial Coach listens to their client and helps them to not only successfully manage their personal finances, but also teaches them along the way. A coach is compassionate and does not judge a client’s financial situation. They get to know their client on a personal level and genuinely care about their financial success. They understand that every client is unique in their financial journey and each coaching session is catered to individual needs. A Financial Coach has the heart of a teacher and believes that knowledge is power and will patiently walk clients through financial topics that are confusing or new. They can help you with a multitude of personal finance issues, including, but not limited to: budgeting, finding ways to save money, debt elimination, financial emergency planning, funding kid’s college, retirement savings, wealth building, gaining financial freedom. A Financial Coach is their client’s biggest cheerleader when they achieve their goals, but also speaks truth and love into them when they’re veering off track from their goals. If you want to learn more about how Financial Coaching can help you, schedule a COMPLIMENTARY Financial Coaching session today at https://calendly.com/terriwillsfc/financial-coaching-session-60-minutes You will never regret investing time and energy now to achieve your dreams for a financially secure future!

03/17/2022

There’s no such thing as luck when it comes to retiring a millionaire. The truth is that every person reading this could retire a millionaire! That means you can become a millionaire without an inheritance, without a 6-figure income, and without winning the lottery. There’s no luck involved and this is not a get-rich-quick scheme. It involves a lot of hard work, staying focused, and committing to the decision that sacrificing today will get you to the tomorrow of your dreams. How would your retirement look different if you had a $1M+ saved? What would you spend your retirement doing? Dreaming is such a motivator when it comes to sticking with your financial plans because it gives you something to look forward. Do you want to retire a millionaire but don’t know where to start? I can help! As a Financial Coach, I am trained to meet you where you’re at in your financial journey and get you on your path to achieving your financial dreams, no matter what they are! Make the decision today to retire a millionaire and schedule a COMPLIMENTARY Financial Coaching session at https://calendly.com/terriwillsfc/financial-coaching-session-60-minutes

03/09/2022

This quote really strikes at the heart of procrastination and avoidance. We all know Amelia Earhart as a pioneer for advancing women in aviation and her bravery in the face of adversity is to be admired and aspired to in our own lives. While most of us will not pioneer a path to greatness like Amelia did, we all still have our own journeys that we need to nurture in order to achieve our dreams. When most people think about their future, they dream about what financial freedom can do for them, but as humans, we often procrastinate doing what we know we should do. This is especially true when it comes to getting out of debt, saving for a house, or following a monthly budget. These are not easy things to do on your own and not knowing where to start is often the biggest barrier to taking the first step. As a Financial Coach, I am trained to meet you where you’re at in your financial journey and get you on your path to achieving your financial dreams, no matter what they are. Today you can decide to act and take control of your future. Like Amelia said, “The most difficult thing is the decision to act, the rest is merely tenacity.” Make the decision to act today for your future. To set up a COMPLIMENTARY Financial Coaching Session, visit: https://calendly.com/terriwillsfc/financial-coaching-session-60-minutes

03/04/2022

It’s Friday, y’all, and I’m excited for my weekend plans with friends and getting some down time from work. I also can’t help but to think about how having weekends off is such a privilege. I know some of y’all are Weekend Hustlers and are putting in the tough work now to get out debt and change your life!! You are doing something exceptional for your future and I’m cheering you on!! If you’re in the hustle and want to accelerate your progress, I’d love to meet with you and discuss how to reach your financial goals. If you’re not on the hustle train yet and you want to get out of debt and don’t know where to start, I can help you get started too! To set up a COMPLIMENTARY Financial Coaching Session, visit: https://calendly.com/terriwillsfc/financial-coaching-session-60-minutes No matter where you are in your financial journey, I meet your where you are and guide you on your path to achieve your financial goals.

I’m so excited because this week, I completed one of my 2022 resolutions by finishing my certification to become a Finan...
03/02/2022

I’m so excited because this week, I completed one of my 2022 resolutions by finishing my certification to become a Financial Coach. This has been something I’ve wanted to do for a long time because there are people out there hurting who don’t see a way out of their financial situation. They’ve lost hope that things can change, but that’s just not true. Being a Financial Coach gives me the opportunity to inject hope into people’s lives by teaching them how to take back control of their money and see their dreams as a reality. Whether you want to get out of debt, save for a home, or save for retirement, a Financial Coach helps you gain the knowledge, accountability, and confidence to achieve your goals. If you’re interested in judgement-free, compassionate financial coaching, I would love to work with you. To book a complimentary session, book via calendly at https://calendly.com/terriwillsfc

Address

Dallas, TX

Opening Hours

Monday 5pm - 8pm
Tuesday 5pm - 8pm
Thursday 5pm - 8pm
Friday 3pm - 7pm
Saturday 9am - 12pm

Telephone

+16822928396

Website

http://fpu.com/1149911

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