Personalized Programs
A debt payoff plan built around your real life.
One-on-one help to see where your money goes, what you can really put toward debt, and the date you'll be done. No shame, no lectures, just a plan you can keep.
Is this for you?
You might be a fit if...
- You have any or all of credit card, line of credit, car or personal loan debt and don't know where to start
- You pay every month, but the balances barely move
- You want to buy a home and your debt is in the way
- You're going through a separation and untangling debt on one income
- Carrying debt without a plan is weighing on your mental or physical health, your relationships, or your sense of peace and freedom
What's included
Everything in the program
- A 90-minute planning session, one-on-one
- A realistic budget that shows what you can actually put toward debt
- Your written payoff plan: which debt to pay first, your debt-free date, how much interest you'll save, and a month-by-month schedule
- Credit score guidance, including help spotting and disputing credit report errors
- Three monthly check-ins (30 minutes each), with a progress report after each one
- Email support between sessions
How it works
Four steps, start to finish
- 1
Fill in the intake form
Tell me about your situation and I'll follow up to book your first session.
- 2
Build your plan together
In your 90-minute session, we work through your budget and debts and leave with a plan you believe in.
- 3
Stay on track
Three monthly check-ins keep you moving, with a progress report that shows how far you've come.
What you'll walk away with
Your plan shows your debt-free date, your payoff order, and exactly how much interest you'll save compared with paying the minimums.
Sample plan
An anonymized example of what your plan could look like
Debt-free date
Mar 2029
Interest saved
$4,120
Payoff order
Credit card, then car loan, then line of credit
Month-by-month, first 3 months
Price
Investment
Debt Payoff Program
$525 + HST
$297 + HST
For a limited time
After your three check-ins, you can keep going with monthly check-ins and progress reports for $75 a month + HST. Pause or cancel anytime.
Questions people ask
FAQ
Do I need to share my account passwords or numbers?
Never. I only need balances, interest rates, minimum payments and credit limits.
Will checking my credit score hurt it?
No. Checking your own score has no effect on it.
What if I have a bad month?
It happens. We look at what got in the way and adjust. The plan is built to bend, not break.
What happens after the three check-ins?
You'll have your plan and the habits to follow it. If you'd like me to stay with you until you're debt free, monthly check-ins continue for $75 a month + HST, and you can pause or cancel anytime.
Can I get a refund?
Yes, a full refund if you cancel at least 48 hours before your first session. After that, the work is underway, so fees aren't refundable. The full terms are in the client agreement.
Is my information private?
Yes. I only ask for numbers, like your balances, interest rates, minimum payments and credit limits, never documents or statements. I only use it to build and update your plan, and I never share it without your written permission.
Are you a financial advisor?
I'm a Personal Finance Strategist, not a licensed financial planner or credit counsellor, and I don't sell financial products. I'm also a licensed mortgage broker with The Mortgage Project Inc. (The Mortgage Coach, FSRA #13120), a separate business. I'll only connect you with it if you ask.
Get started
Start your Debt Payoff Program
This takes about five minutes. Once you submit it, I'll be in touch to book your first session.
"Confidence with money starts with a plan, not a lecture."