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Sierra Roper DEBT COACH, Stinson Beach, CA (2026)

04/02/2021

A new month, a new budget 🎉

If you do not have a budget, I challenge you to create one for April.

It doesn’t have to be perfect. It is going to feel uncomfortable or hard but I will be proud of you for giving it a try! (Click the link in my bio to a free guide that includes 5 tips to help you create a budget)

One tip that helps you stick to the budget is giving yourself money to spend on you. Whether that is getting your nails done, buying a book or being able to get a glass of wine with friends - add it to the budget.

Another tip to help with your money mindset it to spend money on someone else. Buy your friend a coffee or venmo someone money for lunch or bring someone flowers but spending money to bring others joy feels so good!

DM me once you create your 1st budget, I want to celebrate you! 🥂

03/19/2021

Do you feel pulled between trying to save and paying off debt?

You want more in your savings account but you also are striving to be debt free. You feel like you can't put enough money towards either to make an impact. You feel indecisive because you are sure which to prioritize.

You have tried to budget, you've tried to build your savings, you've tried to pay off the credit card, and you have tried to accomplish your goals.

The budget probably is not reflecting your goals and values. You might not have a debt-repayment strategy and your savings goal may be to big for what you can afford. You may be spreading yourself to thin to make an impact.

If you are looking to save money, pay off debt, and accomplish your goals, fill out the application for 1:1 coaching in my bio. I will only be accepting one new client this month.

03/08/2021

This is the exact reason why I started my business.

I am so proud of this client and the success, growth, budget skills, confidence, amount she has saved and everything else she uncovered along the way. You should be so proud of yourself, girl✨

I also want YOU to know that you deserve this and can achieve this same success.

💰You can unlock your beliefs around money and shift your mindset.
💰You can learn to budget and figure out your needs and your wants.
💰You can save money and still live a life that you brings you happiness.
💰You deserve to invest in yourself for your growth.
💰You can shift your habits and patterns to create a different financial future.
💰You can gain confidence and learn to trust yourself and the decisions you are making.

If you are ready to start living your life in abundance, budgeting, paying off debt or building a savings account, I want you to click the link in my bio to book a free discovery call. I will only be accepting 1 more 1:1 client for March!

You can accomplish it all and you deserve financial freedom.

03/02/2021

Important: you need an emergency fund.

An emergency fund is 3-6 months of expenses saved in cash in a savings account, money market account or high yield savings. (not in investments)

An emergency fund allows life to happen and gives you a safety net. It allows you to breathe and know that you will be okay when unexpected things come up.

If 2020 taught us anything, it is that we need an emergency fund.

I will be going live Saturday @ 10 AM to talk all things around emergency funds!

If you don’t have an emergency fund, I want to see you there ✨

02/02/2021

You know that feeling when you make a payment towards your debt and you feel like the total of what you owe didn't go down?

Or the feeling when you pay off your credit card but then you end up putting money right back on it?

Or feeling like your entire paycheck is gone before you even feel like you have it to spend?

I felt the same anger, shame, disappointment and had the same stress and tears as you.

I wanted to be debt-free so badly. The budget added up but why couldn't I stick to it? I focused so much on the math that I didn't see that my mindset was what was holding me back.

My habits, my actions, my thoughts, my beliefs and my boundaries.

When I shift my money mindset was when paying off my debt changed. Is your mindset holding you back from accomplishing your goals?

Here are a few things that helped me:
- Money Mantras
- Saying "thank you" after every purchase (even my rent & bills)
- Money Meditations
- Gratitude Lists
- Celebrating each payment I made towards my debt
- Journaling & therapy (do the deep work)
- Shifting from a scarcity mindset to one of aubudence
- Reading
- Prayer

01/26/2021

Image sleeping through the night instead of waking up wondering if you could afford your bills.

Imagine going on a vacation that you saved up for without putting it on a credit card.

Imagine having enough in your savings, that it would be okay if your 9-5 left you.

Imagine being able to go to the grocery store, checking out, without wondering, "do I have enough in my account?"

Imagine seeing a light go on in your car without going f@$!, "how am I going to afford this?"

Imagine knowing you are financially secure and confident in the choices you are making with your money.

Truth is, it can be and this is exactly why I created my 1:1 coaching program.

Most of my clients have built their emergency fund while we have been working together and have battled with the same thoughts. However, they have made choices to make that dream dream their reality.

If you are ready to stop worrying, feel more confident in your relationship with money and start to save or pay off your debt, click the link in my bio to have a free discovery call!

01/17/2021

Having boundaries in life, money and work is something I have struggled with & TBH still do.

Boundaries with money is a essential part in your financial well-being.

Similar to working 10+ hr days and not working out, if you are saying yes to things you can’t afford you are not taking care of yourself and your money.

We as humans are one: our physical, spiritual, financial; every part of us tie into who we are as a whole. If one part of you is lacking, it is probably showing up in another part of your life.

Setting boundaries with money looks different for everyone. Mine look like:

⚡️ paying only with cash or debt card
⚡️ sticking to a budget each month
⚡️ saying no, when I can’t afford it
⚡️ saving & paying off my debt is #1
⚡️ putting my needs before my wants

For you it may look like:
⚡️ having cash envelopes
⚡️ eating out once a week
⚡️ buying 1 shirt a month
⚡️ saving x amount of money first

Having boundaries with work, life, money, relationships is critical to your self care. It takes practice and is something I still strive for everyday.

DM me one of your favorite boundaries! I’d love to hear it 🤗

01/15/2021

Helping women accomplish their goals around money, sets my soul on fire. You are capable of paying off the debt, learning to budget & saving - I PROMISE.

I am opening up my program and accepting two 1:1 clients this month!🥳

My 1:1 program is for you if you:
💰 want to create and stick to a budget
💰 pay off debt or save money
💰 shift your money mindset
💰 become more confident with money

Click the link in my bio to set up a free discovery call.

P.S. we will work the program into your budget, so don’t let money hold you back👏🏻

01/15/2021

Helping women figure out their finances honestly sets my soul on fire & I am accepting new clients 🥳

This program is for you if you:
💰 want to create and learn how to budget

💰 want to pay off debt and/or saving money

💰 want to shift your money mindset

💰 want learn the basics around money

💰want to finally take control of your money instead of wondering where it went

💰 want to work 1:1 with me to help you accomplish all your goals

You can do all the things when it comes to accomplishing your goals around money. I believe in you ⚡️

Click the link in my bio to set up a fee discovery call!

P.s. we will work the program into your budget, so don’t let money stop you!

01/06/2021

I wasn’t always financially literate & it costed me - money & time.

I knew the basics, but when it came to debt consolidation, interest rates, credit scores, FICO scores, Principle, etc. - I had no idea what anyone was talking about.

I realized I couldn’t advocate for myself if I didn’t know. How could I make the right choice, if I didn’t know the facts?

I am on mission to help women build budgets, pay off debt, become financially literate, feel confident around money and experience financial freedom.

I’m going to start to post drops of knowledge to help you become financially literate. I hope it helps you as much as it would have helped me 💛

01/04/2021

You have to have a plan to get out of debt👇🏻

1️⃣ Create a budget: this is critical when it comes to managing your money & paying off debt. Take your income and minus your expenses to equal zero. One tip is to go through your last few bank statements to see what your realistically spent in those categories.

2️⃣ Save your baby emergency fund: you should have at least one month of expenses saved in a savings account or money market savings account. This will prevent you from putting yourself further into debt when life happens (it will).

3️⃣ Pick a debt repayment strategy (and stick to it!): I believe the snowball method or the avalanche method are the best when it comes to paying off debt. The avalanche method is when you tackle the debt with the highest interest rate first and pay the minimum payment on everything else. The snowball method is when you tackle the smallest debt first and then pay the minimum payment on everything else.

4️⃣ Pay off your debt: Start to tackle your debt! One tip to keep motivation is to look at your debt in smaller pieces and set goals that way. Don’t look at all $50k, take it $5k by $5k or one debt at a time.

Paying off debt is not an easy journey (I can tell you first hand) but it is so so worth it.

I believe in ya, girl & I am your biggest cheerleader.

01/01/2021

For years I wanted to be a coach and help people with money.

I knew what it felt like to be 25, drowning in debt, living paycheck to paycheck and wanting more.

I heard over and over “how are people going to pay for a money coach when they are in debt?”

Truth is, 5 months ago I didn’t have an a answer to that question. I didn’t care about the answer - I chased what set my soul on fire, I bet on myself and started the business.

2 months. 6 clients. I found the answer to that question. But the answer didn’t matter. What mattered to me was that 6 ladies got relief and knew they could pay their bills, saved money, paid off debt and found hope in their situation.

My point is, you can do what no one says you can do.

👏🏻 you can pay off the credit card.

👏🏻 you can pay off your student loans.

👏🏻 you can buy your 1st house.

👏🏻 you can scream “I’M DEBT FREE”

👏🏻 you can start the business.

👏🏻 you can save your emergency fund.

👏🏻 you can invest in your 1st stock.

👏🏻 you can do it all.

I challenge you to bet on yourself this year. EVERY. SINGLE. FREAKING. TIME. Pick you. Pick your dream. Pick your future. Pick what sets your soul on fire.

DM the first step to get to your goal.

Happy New Year ✨ #2021

Sierra Roper DEBT COACH

04/02/2021

03/19/2021

03/08/2021

03/02/2021

02/02/2021

01/26/2021

01/17/2021

01/15/2021

01/15/2021

01/06/2021

01/04/2021

01/01/2021

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