Cortney Kaveh, Northwest Money Coaching

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Cortney Kaveh, Northwest Money Coaching

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Connect with Cortney: https://m-sml.mtrbio.com/public/smartlink/northwest-money-coaching https://linktr.ee/cortney_financial_coach

10/28/2026

Have you heard the saying "whatever gets measured, gets managed?

I'm sure most of us can relate if we've looked at our bank account at the end of the month and wondered, “Where did it all go?”

Daily spending can be easy to overlook. Groceries, takeout, subscriptions, and quick online purchases all pull from the same paycheck. Tracking them helps you see what’s happening—and decide what you want to do next.

Start with a five-minute daily money check-in:
✔️ Review and categorize your transactions (YNAB or Monarch is great for this!)
✔️ Check what’s available after accounting for upcoming bills.
✔️ Adjust your spending plan as needed.

The goal isn’t to judge every purchase. It’s to understand your habits and make room for what matters to you.

This week, try tracking your spending with curiosity. What do you notice?

Need help turning those numbers into a plan? Let’s connect at nwmoneycoaching.com.

10/21/2026

A bigger paycheck can feel like the fix, but without a plan, it can turn into bigger bills, bigger spending, and the same “where did it all go?” stress. 😅

That’s lifestyle creep: as income rises, spending rises right along with it. The number changes, but “not enough” still feels familiar.

Here’s the shift: don’t wait for more money to get organized. Start with what you have now, and make a plan before the next raise or busy season arrives.

Try this:
• Build a spending plan around what matters most to you.
• Save proactively, even if you start small.
• Make a clear plan for debt.
• Track where your money is actually going.

Then, when more money comes in, you’ll already know where to direct it. More income *amplifies the habits you’ve built*, so good money management can turn a raise into real progress. 🌱

Want a hand building a system that fits your life and income? Reach out for a pressure-free conversation.

10/13/2026

Wish you knew what to focus on first when it comes to managing your finances?

Pay down the credit card. Put the car repair back on the credit card. Repeat. 😵‍💫

Sound familiar? You may need a stronger cash foundation.

Before throwing every extra dollar at debt, build some breathing room into your finances:

💵 Get clear on what’s coming in and going out.
🛟 Build a checking account buffer so bill timing doesn’t leave you scrambling.
📅 Save for expenses you KNOW are coming—holidays, annual subscriptions, car maintenance. They don’t happen monthly, but they still belong in your budget!
🚨 Start an emergency fund for the things you couldn’t see coming.

Then, as your foundation gets stronger, you can tackle debt with fewer setbacks and work toward a fully funded emergency fund.

You don’t have to do everything at once. Start with the step that helps you stop scrambling and keep moving forward. After building your cash foundation, you'll be ready to do the next big thing, like invest or buy a home! 🤍

Save this post for your next money check-in! Which step are you working on?

Money Coaching
Financial Coaching
Money Help
Budgeting Help

09/16/2026

Financial services do important work: investing, insurance, mortgages, tax filing, retirement accounts, and banking all play a meaningful role in our financial lives.

But there’s another layer that often goes unaddressed: day to day money decisions and planning (or lack thereof).

How do you plan spending when income fluctuates? Get out of debt? Build a cushion? Create a system for business and personal money? Have productive financial conversations with your spouse? Stay accountable week to week?

That’s the gap financial coaching fills.

Many self-employed families and business owners have real income, but no consistent system or clear plan for managing it. Coaching provides practical education, behavior change, and accountability so your money decisions become more intentional and less reactive.👍

Financial coaching isn’t investment advice or portfolio management. It complements the work of your fiduciary advisor, CPA, attorney, and other financial service professionals by helping you follow through on the day-to-day decisions that move your life forward. We consider ourselves a financial project manager of sorts! We help keep clients on top of their financial tasks, among other things.

If this sounds like the layer your finances have been missing, send us a message. We’re happy to start a pressure-free conversation.

09/03/2026

A Trump Account is a new tax-advantaged investment account for kids. Despite the name, it isn’t owned or managed by Donald Trump or the Trump Organization—it’s a federal program created during his presidency. Eligible U.S. children born from 2025–2028 may receive a one-time $1,000 government contribution. 🇺🇸💰

Also, TODAY, both my kids received a free $250 contribution from the Dell family.

Politics aside, I do not like leaving money on the table and glad to help my kids get a head start on either purchasing a home, starting a business, or funding their education.

Yes, still keeping the 529 accounts because those grow tax-free (Trump accounts are tax-deferred) for higher education expenses.

So, do you plan to open one? What questions do you have?

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08/13/2026

Money conversations can get tense fast: especially when stress, surprises, or different habits are involved. But changing the words we use can help us move from defensiveness to teamwork. 💬

Try shifting from negative verbiage to something more positive or neutral. Also equally important: staying curious.

This isn’t about avoiding accountability or pretending everything is fine. It’s about replacing blame with curiosity so you can understand the problem, make decisions together, and protect your connection while working toward shared goals. 🤝

Next time money tension shows up, pause and ask: “Are we trying to win this argument, or solve this together?”

Need support starting a calmer money conversation? Comment CONVO or send us a message. We’re happy to help: no shame, no pressure.

07/30/2026

A Financial Coach tells you to spend more?!

We often think budgeting is all about restriction, but sometimes the best financial move is knowing what to intentionally spend MORE on.

#1 Your Values: Ruthlessly reduce spending that doesn't move your priorities forward. Identify what your values are, cut out the silly little expenses that slowly leak money out of your account (looking at you takeout 🥡) , and repurpose that money toward something that matters to you (hello, vacation 🏝️).

#2 Generosity: We are blessed to be a blessing. Giving moves us beyond ourselves to serve and love others better.

#3 Quality: Invest in things that last now so you don't end up spending more in the long run to replace cheap items.

Not everything needs to be cheaper. This is one I had to unlearn!

Need help aligning your spending and priorities? Comment SPEND MORE to connect with us for a free consultation.

07/24/2026

Call me unhinged, but these habits keep my husband and I focused & on track. (I know, I know, tracking every single penny sounds intense, but bear with me!) When you stop guessing where your money goes, you finally get to stop wondering and prevent it from leaking out. 💸

Here are 3 slightly intense things I do that keep our finances running like a well-oiled machine:

1. I track every single penny we spend (yes, all of them). (hi, accountability partner: that's my budget app called YNAB!)
2. We save monthly for 1-2 years before ever "taking the trip". ✈️
3. I pay our credit card down to $0 twice per month. 💳

Sound a little strict? Maybe compared to everyone else. But I promise you, everyone ain't sleeping as well as I do. That peace of mind is 100% worth it.

Drop a comment or DM me if you want to chat about your own money habits and start taming the chaos together. No judgment here, just real talk! 🌿

07/14/2026

I get it. You've tried, you've stopped and started, and it feels like nothing's working. So you just *don't*.

The spreadsheet, the confusing app, using a calendar for bills' due dates, shifting money around between multiple accounts (read: robbing peter to pay paul)...

Maybe you've simply thought about doing one of the above but didn't try it yet.

The #1 thing people tell me about their past method is "the system I used didn’t help me reach my goals or change my habits".

So how does one successfully manage their cash flow???

The biggest gap I see in money management is the lack of tracking expenses **throughout the month**. So how does this help?

Knowing where your money goes allows you to regain control of the train when it goes off the rails (as it inevitably will, because: life).

How can you possibly course-correct when you do your usual routine: you get to the end of the month, exasperatedly exclaim "where did the money go?!" and you have no idea (which is all the more frustrating).

Then, like a broken record, you say "we make too much money to feel this broke".

Welp, maybe it's time to call in some help. Time to realize AI can't solve this, and you're ready to phone a friend and get accountable. Getting organized with a budgeting structure that actually works - yesssss (and you never thought you'd say that).

How was I able to get in your head like that? After 6 years of working with hundreds of households, I know how it goes. Heck, I know how it went with me!

So as promised, using a budgeting software that imports your transactions so you can keep your finger on the pulse of your finances is KEY. Do yourself a favor and download YNAB (link in my bio).

I don't work for them, but I am a YNAB certified coach and have used this tool exclusively for 5 years and running. It is THE thing to finally get your financial plan off the group. I'm biased but I also think you need accountability with this new plan!

So grab a trusted friend, family member, or coach (like me!) to start getting some traction and stick with the dang thing this time. You can do this!

07/08/2026

If you've always done something a certain way, or someone has an expectation of you - it's time to run the numbers.

Do you have the cash?

Does it actually align with your priorities and add value to your life goals?

What does being a good steward of money look like/mean to you?

Address

McMinnville, OR
97128

Telephone

+15036106571

Website

http://www.nwmoneycoaching.com/, https://mtr.bio/northwest-money-coaching

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