Russ Financial Coaching

I recently went on a road trip with my family to go and visit my brother in MO. We went pretty cheap and camped in a tent a few nights but we had saved up and it made the whole trip really stress free. We were able to eat out and do activities and stay a night in a very cool Airbnb in Nauvoo, without worrying about how much it cost.
What trip are you saving up for?
What trip would you love to take next?

Hey Everyone,
I just became a Ramsey Prefered Coach and have a website now that you can use to schedule a free financial coaching consultation. Check it out.

Russell Oliphant Coaching Ramsey-trained Financial Coaches are independent financial coaches offering personal finance coaching and education to help empower you to take charge of your money. Ramsey-trained Financial Coaches are not employees or agents of Ramsey Solutions and their services are not warranted or guaranteed by...

One of the things that we have done with our budget that have made a huge difference is creating sinking funds.

A sinking find is usually for someone that is a little bigger but not regular. For example Christmas is something that people spend a lot of money on but only happens once a year.

We created a singing fun for gifts that we put money into every month and then we can use it for birthdays or Christmas or any other gifts that we need throughout the year. It took so much stress out of the holidays because we already had money set aside for it.

Other common sinking funds are things like car repairs or replacement, home repairs, we even have one set up for vacations.

In order to create sinking funds you need to have margin in your budget. I would love to meet with you and help you find/create margin in your budget and take control of your finances. Send me a message and we'll schedule a free consultation.

🎉 **New Year, New Financial Goals!** 🎉

As we step into 2025, it's the perfect time to take control of your financial future. Whether it's paying off debt, saving more, or budgeting smarter—setting clear financial goals is the first step toward building a secure and stress-free financial life.

Here are 3 tips to help you get started:
1. **Set Clear, Achievable Goals**: Break down big dreams into smaller, measurable steps.
2. **Track Your Spending**: Awareness is key—use budgeting apps or spreadsheets to keep track of where your money is going.
3. **Build an Emergency Fund**: Even small contributions add up over time, giving you peace of mind.

Ready to make 2025 your year of financial success? 💪 Let’s make it happen together!

DM me if you would like to set up a free consultation to see how I can help you achieve your goals.

According to Forbes, "Almost 60% of Americans are living paycheck to paycheck, struggling to save or invest due to financial stress."

If you’re ready to take control of your finances and build a secure future, message me for a free consultation.

Are you ever sick of having more month at the end of your money? Are you ready to take control of your money? Are you ready to have financial peace?
Let me help you. Send me a message and let's set up a time for a free consultation. We can meet in person if you are in Utah County or over zoom for anyone else.