LB Financial Coaching

LB Financial Coaching Real strategies | Honest conversations | Long-term wins

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Financial Coach | Debt & Budgeting Support

I help everyday people create healthy money habits that fit their income and support their long-term lifestyle goals.

06/02/2026

Credit Card Interest Is Expensive đź’ł

The average credit card interest rate is over 20% … most of my clients are between 25-30%

That means a $10,000 balance can cost you more than $2,000 per year in interest alone if not addressed quickly.

Get high-interest debt under control.

Get on a paycheck plan where you’re paying extra every 1-2 weeks.
Call your credit card company to see what temporary rate reductions they can offer.
Pause subscriptions/ memberships until this is gone.

Look .. I’m not the “cut everything and have no fun kind of guy” .. but credit card debt is an evil that you must take care of.

This protein pasta meal costs us about $12 to make and it feeds our family of 4 for two nights .. that’s $1.50 per meal,...
06/02/2026

This protein pasta meal costs us about $12 to make and it feeds our family of 4 for two nights .. that’s $1.50 per meal, per person.

And guess what? It actually tastes good, and our boys love it!

This month, I’m meeting with 12 different clients. By their own admission, they don’t have an income problem. They make good money.

The issue is that debt payments, convenience spending, and a lack of intentionality with their dollars make a good income feel small.

I truly believe a family of 4 can keep their grocery bill under $800 per month. We do it, and I have multiple clients who do it as well.

The key is being intentional.

âś… Plan your meals.
âś… Shop with a list.
âś… Buy groceries with a purpose.
âś… Eat the leftovers.

Small decisions repeated over time can completely change your financial future.

Be honest, what does your household spend on groceries each month? 👇

06/01/2026

Cashflow Positive: The Financial Milestone That Changes Everything

Everyone wants to invest. Everyone wants to build wealth. But before any of that happens, there’s one milestone that matters most:

Become cashflow positive.

That simply means you’re consistently spending less than you make.

When your income is greater than your expenses, everything changes:

-You stop relying on credit cards to make it through the month.
-You can start building an emergency fund.
-You have money available to attack debt.
-Financial stress begins to decrease.
-You finally create margin in your life.

If you’re cashflow positive, even by $100 a month, you’re moving in the right direction.

06/01/2026

One of the first things I have clients do is track every dollar earned and spent for a full month.

When you track every dollar, you:

✔️ See where your money is actually going
✔️ Find spending leaks you didn’t know existed
✔️ Stop guessing and start making informed decisions
✔️ Reduce financial stress because you finally know the numbers
✔️ Build a spending plan based on reality, not estimates

Track every dollar for one month. It may be the most important financial habit you ever build.

05/31/2026

Tomorrow starts a new month.

If one of your goals for 2026 was to take control of your money and it hasn’t gone the way you hoped, tomorrow can set the tone for the rest of the year.

A few simple things you can do today:

âś… Enter your income, fixed expenses, and debt payments into a spending plan. You already know those numbers, so get a head start.

✅ Track every variable expense for the next 30 days. Groceries, eating out, coffee, Amazon purchases, gas, entertainment — everything. You can’t improve what you don’t measure. Clarity creates progress.

✅ Set up automatic transfers from your paycheck to support your goals. Whether it’s building your emergency fund, paying off debt, investing for retirement, or saving for a vacation, automation removes the temptation to spend money that already has a job.

âś… Plan your grocery trips and meals for the week. Going into the week with a plan can save hundreds of dollars each month and reduce the temptation to grab takeout when life gets busy.

✅ Set one specific financial goal for June. Maybe it’s saving $500, paying off a credit card, building a $1,000 emergency fund, or tracking your spending every day. A clear target makes it easier to stay focused.

✅ Review your subscriptions and memberships. Take 10 minutes at the end of the month to look through your bank and credit card statements. If you’re not using it, cancel it. Small monthly charges add up faster than most people realize.

✅ Give yourself some fun money. A spending plan isn’t about restriction. It’s about freedom. When you plan for fun, you can enjoy your money without guilt.

One month of intentionality can change the trajectory of the rest of your year.

June doesn’t have to be perfect. It just has to be better than May.

What’s one money goal you’re focusing on in June? 👇

05/30/2026

You can’t keep doing the same things with your money and expect a different outcome.

At some point, you’ve got to push yourself to try something new , get uncomfortable, make a few sacrifices, and do things that don’t feel normal at first. That’s usually where progress starts.

Not saying you can’t do it alone… but it’s a lot harder than most people think. That’s where accountability matters. Having someone in your corner helps you stay consistent when motivation fades and old habits try to creep back in.

Comfort keeps you where you are. Change is what moves you forward.

05/29/2026

Credit card points aren’t beating 29% interest.

I don’t care how many free flights, cash back rewards, or hotel points you’re earning… if you’re carrying a balance, you’re losing.

The banks already did the math.
Stop financing your lifestyle.

What has your experience with credit cards been like? 👇

05/28/2026

Step 1 to getting out of credit card debt: stop using the card.

I know that sounds simple, but you cannot keep digging the hole deeper and expect progress. The rewards, points, and cashback are meaningless if you’re carrying a balance and paying interest every month. You’re losing money.

Call the credit card company and ask for a rate reduction. Freeze the card if you have to. Lock it in a safe. Delete it from Apple Pay. Do whatever you need to do to create a pause between you and the swipe.

And to be clear .. I’m not anti-credit card. I’m anti-credit card debt.

Credit cards are tools. But when balances keep growing and interest is eating your paycheck alive, the first move is behavior change before anything else.

05/27/2026

Small monthly payments can still rob from your future.

$15 here.
$45 there.
$80 on something you don't even remember.

Individually they don’t feel huge… but together they quietly eat your paycheck alive.

When’s the last time you reviewed all your recurring monthly charges? If it's been over a year, check today.

05/27/2026

3 things that are keeping you broke:

1. Your car payment.
2. Your credit card debt.
3. Not living on a monthly spending plan.

Most people don’t have an income problem.
They have a cash flow problem.

You can make good money and still feel behind every single month when payments are eating up your paycheck before you even get started.

What would you add to the list? 👇

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Paducah, KY

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