Why financial coaching can be the right choice for you

If managing your money feels stressful or overwhelming, you’re not alone. Many freelancers, creatives, and self-employed professionals struggle with financial stability due to inconsistent income, lack of financial structure, and uncertainty about how to plan for the future.

Some think that financial advisors or accountants are the right people to ask for help, but they do not address managing your day-to-day interaction with your money but rather oversee that everything is generally smooth sailing. Oftentimes, you will even get rejected if you do not have your finances in order and already a minimum of investible assets.

As a financial coach, I take you by the hand, create a path that we walk along to find out what your financial struggles are, which goals you have and coach you to take the right steps to build financial stability and security in the future.

Together, we build better money habits, improve your financial literacy, and create systems to manage your finances effectively. Unlike a financial planner, who primarily offers investment advice and retirement planning, a financial coach takes a hands-on approach to budgeting, cash flow management, money mindset and financial accountability, which is especially helpful if you have an irregular income.

A financial coach helps you to

• Take control of your finances by understanding where your money is going and how to allocate it wisely in order to achieve your goals.

• Make financial decisions that create financial peace and security.

• Build a working budget with a fluctuating income so you can plan for slow months and avoid financial stress.

• Stop living paycheck to paycheck as a freelancer by building a financial buffer.

• Improve your financial habits and develop a sustainable money management system.

• Stay accountable to your financial goals, ensuring that you follow through on your plans.

• Become financially literate to understand how to use your money effectively and at one point intuitively.

A financial planner is more like a strategist who evaluates your financial situation and provides recommendations for investments, retirement savings, and insurance. However, they typically do not teach you how to manage your money day-to-day, evaluate the money story that holds you back, or adjust your cash flow strategies. Financial planning oftentimes leaves out the groundwork and expects clients to bring a substantial amount of net worth to then create tax savings, and investment strategies.

Do you need a financial coach if you already have an accountant? An accountant helps you with taxes and bookkeeping, but they don’t provide financial literacy coaching or accountability. If you struggle with money management, an accountant is rarely the help you need in this department, because they document your income and expenses for tax purposes. So, the answer might very well be yes!

Echarti Finance will be the right choice as a financial coach if

• You are a creative, artist, freelancer or self-employed and struggle with managing an unpredictable income.

• You feel overwhelmed by your finances and need a clear action plan.

• You want to get better with money but don’t know where to start.

• You need financial accountability to help you stay on track with your goals.

• You earn well but still feel broke at the end of the month.

• You want to stop feeling stressed about money and build financial confidence.

As a financial coach I do not just tell you what to do, I help you develop the skills and mindset to make better financial decisions for the rest of your life. You will see that financial coaching is totally worth it if you want to reach financial confidence and learn how to feel save despite having an irregular income.

Ready to take the next step? Book a free consultation today and start your journey toward financial confidence!