Fennel Financial Coaching

I was standing in Target holding a black linen blazer I had zero plans to buy.

I have ADHD, and impulse spending is one of the ways it shows up in my financial life, not just for my clients, but for me too.

As a financial coach, I still have to actively manage this. So I built a few specific habits to catch myself before I spend any money (one of them is something I did to my phone that sounds tiny but completely changed how I shop).

🔗 Link in comments.

I used to think budgeting would just 'click' because I was good with numbers and made decent money. It didn't. It took me about three months of messing it up before it finally felt natural. I wish someone had told me that going in.

Here are the four things I wish I'd known before I started. Swipe through and save this for the day you're ready to take your first real look at your numbers. →

Which one hits closest to home for you right now? Tell me in the comments. I read every one.

👋 Hi, I’m Jeannette. I help professionals ditch debt without the overwhelm and build wealth without the stress. Follow for simple, no-shame money guidance.

I was standing in Target holding a blazer I had no business buying. Here are the 4 things I actually do when an impulse buy hits. Swipe through 👉

👋 Hi, I’m Jeannette. I help professionals ditch debt without the overwhelm and build wealth without the stress. Follow for simple, no-shame money guidance.

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Yeah, I've been MIA. And honestly, I missed you guys.

I was studying for my ChFC taxation exam and decided social media was the one thing I needed to cut to actually focus. No scrolling, no posting. Just textbooks, equations, and tax code.

Last week? I passed. 💃

And by coincidence, the hubs and I celebrated in Savannah, Georgia to watch the Savannah Bananas play live at Grayson Stadium (their original home stadium) against the Indianapolis Clowns. It was absolutely unhinged in the best way and exactly what I needed after weeks of grinding.

I'm back, I'm recharged, and I'm so excited to get back to talking about ditching debt and building wealth with you all.

Let's go. 🍌

If you've ever Googled "how to pay off debt" you've probably seen the Snowball and Avalanche methods. But there are actually four ways to do it (and one of them nobody talks about).

The Snowball — Start with your smallest balance and work your way up. The early wins keep you motivated when the journey feels long.

The Avalanche — Start with your highest interest rate and save the most money over time. Perfect if you're driven by data and logic.

The Lump Sum — A windfall, a bonus, an inheritance. Use it to pay off everything at once. Just make sure the habits change or the debt comes back.

The Pi**ed Off Method — Pay off whatever makes you the most angry first. It's emotional, it's personal, and it is surprisingly effective.

That debt-free life is available to you. It starts with one decision.

➡️ Which method resonates most with you? Tell me in the comments.

Exciting news: I'll be showing up on YouTube more consistently over the coming weeks with videos designed to help you ditch debt and build wealth without the overwhelm.

To kick things off, I'm tackling something most people get wrong every single spring.

Your tax refund is not a bonus from the government.

It's your money, and in this video I'm sharing the three steps I wish I had taken with it sooner.

Fennel Financial Coaching Your Tax Refund Isn't Free Money. Here's What To Do With It.