The Fearless Budgeting Training Course will be live in 2018
the FIRST budgeting course specifically designed to address the unique needs of compulsive spenders — created BY a recovering compulsive spender!
Sign up to be the first to know when the course launches!
(You can read more about the course below, but we’re not quite ready to launch yet – so there’s no link to the course.)
Do you want to create a spending plan, but feel overwhelmed by the process?
Are you terrified of looking at the reality of your spending?
Have you made repeated unsuccessful attempts to create a spending plan?
Do you just want someone to walk you, step-by-step, through creating a spending plan and learning how to use it?
If you answered YES to any of those questions, then the FREE Fearless Budgeting Training Course is for you!
I’m Susan B., a recovering compulsive spender. My expertise lies in working one-on-one with other compulsive spenders to overcome the fear of looking at their numbers, walking them through creating the foundation for their spending plan, and providing technical training to teach them how to work with their spending plan and use budgeting software.
Now, I’ve now created a complete online training program that contains everything I teach in my one-on-one training.
If you want help creating or maintaining a spending plan, this training program is for you. Even if you already have a spending plan, or are an existing YNAB user, the training will be a helpful refresher and will likely provide you a with new perspectives and tips. The Fearless Budgeting Training Program includes the exact same process I’ve successfully used with my one-on-one students since 2010.
What Makes the Fearless Budgeting Spending Plan Training Different
While financial gurus provide tools and guidance to help people make sound financial decisions and get out of debt, for those struggling with compulsive spending, there’s just no way they can simply “pull themselves up by the bootstraps” and live responsibly with money, as the gurus advise. Further, compulsive spenders often feel shamed by the implied message that they could succeed if only they tried harder.
Most spending plan training programs only teach you the mechanics of creating and maintaining a spending plan. But, the Fearless Budgeting Training Program gives you so much more. As you go through the process, you’ll feel like I’m sitting with you, providing support and guidance to help you overcome the emotional obstacles that keep you from creating and maintaining a spending plan.
Without such help, you may become overwhelmed and paralyzed, which is what has kept you from moving forward in the past. With my help, you will become confident about your ability to succeed at this process … and maintain the momentum.
What You will Learn
The course, containing 50 lessons, is divided into eight sections that, together, will give you all you need to create and maintain a spending plan as a natural part of your life.
Part I: Create Your Spending Plan Foundation (Sections 1-4)
In part I, I gently walk you through the process of creating your foundational spending plan. Together, we overcome the emotional roadblocks and fears that have kept you from moving forward in the past, and slowly and incrementally piece together your spending plan.
By the end of part I of the course (within one to two weeks if you follow my instructions), you will have a complete spending plan foundation, and you will understand how to bring your spending in line with your income.
- Learning the difference between a budget and a spending plan
- Understanding what categories you need
- Easily figuring out how much money to allocate to categories
- Discovering your foundational number
- And much, much more!
Part II: Working with Your Spending Plan (Sections 5-8)
Once you have your spending plan foundation, you need a method to track your spending ongoing to help you live within your means. In part II, you will learn all you need to successfully work with your spending plan.
- Tracking and recording your day-to-day spending
- Must-have components of any spending plan tracking system
- How to reconcile your spending plan with your bank account
- Limiting errors when reconciling and finding errors quickly when there is a problem
- Dealing with cash
- Balanced gift giving
- Living in the next month
- Tracking income
- And much, much more!
Additional specialized topics are included, such as:
- Tracking your spending when you have a spouse or partner
- Tracking spending for your children’s needs
- Debt and debt repayment
- Making tax time simple (including an easy system for solopreneurs)
- Where to find checking accounts that pay you interest
What Software is Used for Training Demonstrations?
The foundation section of the training requires no software for demonstration. I do use budgeting software, when necessary, for demonstration purposes in part II of the training. My training tool is a user-friendly budgeting software program called YNAB (or You Need a Budget). This is my affiliate link and you will receive THREE MONTHS FREE TO TRY YNAB.
I’ve been using YNAB since 2009. This software is the closest I’ve found to a virtual envelope system, the perfect tool for compulsive spenders. YNAB is free to test for 34 days. I also discuss other methods to work with your spending plan, and you can use the concepts in the Fearless Budgeting training program with any system you use, from paper and pencil to spreadsheets to budgeting software.
I will also be including some YNAB-specific training and videos to clarify issues that some YNAB users find frustrating. For instance, people often come to me with problems around reconciling with their bank account, an error that they just can’t figure out, or confusion around functionality, such as how to account for cash in YNAB.
How the Fearless Budgeting Training Program is Presented
The Fearless Budgeting Training Program is presented through a series of MP3 recordings, text, handouts, and a few bonus videos. There are add on products to enable you to work through the program offline.
|Course Components||Free Version|
|MP3 Recording with each lesson||X|
|Each lesson contains the text from the manual so you can refer to it while you listen||X|
|Course handouts and workbook||X|
|Zipped file containing the entire Fearless Budgeting program to work through the course offline – MP3 audio files, Excel and PDF workbook, and the complete Fearless Budgeting Training Program manual, containing the transcripts, screen shots, and handouts (PDF format)||ADD-ON PRODUCT|
|FLASH DRIVE containing all the course files listed above for those who may not have the bandwidth to download the course or who would prefer a physical storage device||ADD-ON PRODUCT|
|PRINT VERSION of the manual, containing the transcripts, screen shots, and handouts (spiral-bound or paperback)||ADD-ON PRODUCT|
A Word about Refunds
The basic version of the Fearless Budgeting training program is free and contains all the lessons and handouts. Because you can access all the information for free, there are no refunds if you purchase the add on products. Please listen to the free version and look at the sample pages of the Fearless Budgeting Training manual before investing in any of the add on products. You may find that the free version is all you need.
I’m Susan B., a recovering compulsive spender. I haven’t incurred unsecured debt since 2009, paid off $34,000 of credit card debt in seven years, and continue to live debt-free and within my means despite becoming disabled in 2010 and losing half my income.
My passion is teaching people all about spending plans!
I’ve been working one-on-one, teaching compulsive spenders how to create and work with their spending plans since 2010. I decided to create the Fearless Budgeting online training program because I wanted to find a way to help more people. The basic course is absolutely free.
Here are a few testimonials from former Fearless Budgeting students:
Note: As the online training is a new course, these testimonials come from one-on-one students.
“Susan B. is a tremendous resource for YNAB users (whether it be YNAB 4 or YNAB 5). I actually have a savings account set up as a budget account, which causes some problems with the reports. Susan made sure I understood the Reports section of YNAB 5 especially how transactions flow to the Income vs. Expense Report.
She provided me with options to the ‘aging money’ function to address end of the month transactions in YNAB that need to be applied to the next month. Susan B. is very technically savvy and takes time to provide you examples to enrich your understanding. She is patient, encouraging, and full of solutions to many issues while learning and adjusting to YNAB practices.”
Ann G. in California
“Susan helped me so much with my spending plan! A year ago, I started out being overwhelmed and confused about the whole process. She patiently helped talk me thru how to set up YNAB and divide my spending into logical categories.
Plus, she helped guide me thru unusual transactions that I just couldn’t figure out. When I had trouble reconciling my bank account with my spending plan, she taught me how to find my errors. Susan was incredibly patient and knowledgeable about this whole process! I would have given up without her expert help!”
MJ in TX
“I had been in [a 12-Step recovery program] for about two years, but was not yet clear on what I should be doing for my spending plan. Susan led me step by crucial step throughout the process, making it very easy to understand.
I love the YNAB® program. Though I had attempted it on my own, it wasn’t until working with Susan that I was able to understand all the capabilities and how easy it is to manage my finances and, best of all, my spending plan.
I could not have done this on my own, and I would still be stuck without having a workable budget and spending plan. As a result, I might be over-spending and living in chaos around money.”
Rose Black, The Food Freedom Expert
“Helping women all over the world to wear all the clothes in their closet! (instead of just the ones that fit Right Now!”)
“I tried learning the software on my own twice, even took a couple of tutorials, but nothing seemed to add up accurately. I was about to give up for good when Susan stepped in to help. She was able to help me see my mistakes.
She coached me on the importance of entering my numbers in the correct categories promptly and reconciling with my bank statement every day or two. She helped me set up new categories for more clarity on expenditures that had been falling through the cracks. It took two meetings for me to be confident working independently.
Now, I track my income, spending, and savings. I am living within in my income and am able to save for my current and future needs. I would not have the freedom and prosperity I have today if Susan had not helped me. I am so much happier with my financial life.”
M. M. in PA
A Final Word
If you’ve read this far, I imagine there’s something here that resonates with you. If so, there’s a good chance that the Fearless Budgeting Training Program can help you. But you can’t receive the benefits unless you enroll in the course. Start with the free course. You have nothing to lose.
So take the first step and enroll (link will be coming shortly). Then, just listen to the first lesson. I believe that if you give this training program a chance, you’ll soon see that a spending plan can fit naturally and easily into your life. I look forward to hearing from you about your progress in the program.
And if you still feel that you need more personalized help with your spending plan or YNAB, check out my one-on-one training and set up a free no obligation call.
Visit my YouTube page for YNAB training videos (more to come).
And check out the Daily Reader for Compulsive Spenders!
Thanks for stopping by!
All students in the program will be able to email me with any questions or concerns. Feel free to email me now if there is anything else you’d like to know before enrolling in the course. You can also upgrade to attend my “office hours” conference calls to speak with me.
Comments or questions are welcome.