C e n t s A b l e  C h a t

C e n t s A b l e  C h a t

If you’re experiencing stress surrounding your money, you’re not alone.
​78% of Americans are living paycheck to paycheck and, according to the Federal Reserve Board, 44% of American households could not cover a $400 emergency expense.

I have tried for several years to organize my finances on my own. I thought I was doing well until I spoke with Bobbi. She made everything I that thought was overwhelming and confusing, very simple and easy to maintain! Now my husband and I are able to track where our money goes every month, we can save money and still have some extra spending money. Bobbi’s skills and love for budgeting has saved me from stress and put a realistic timeline for my husband and I to buy our first home!

Thank you, Bobbi, for everything, you have changed our lives for the better!
Alexis – Scotland
April, 2019


But it doesn’t have to be that way! Budgeting can relieve money stress by putting you in control of your money, so you can direct it where it really needs to go! If you’re tired of being in debt, stressing to make payments, worried about how to pay for car repairs or medical emergencies, feeling a punch to the gut every time you buy groceries, going to the movies when you’re not sure you can afford it, I feel your pain! I was there! I felt hopeless, like there was no way out and things could never change. But at my wits end, I finally learned how to manage my money and came up with a plan that worked to get out of debt and save for life’s twists and turns, beginning with little more than enough to cover expenses.

Imagine being debt free! Imagine having the money to pay your bills, before they reach you! Imagine being able to pay for unexpected medical expenses or car repairs, without having to borrow or go into debt! Then, imagine having the money for things you enjoy! It feels great – and by great, I mean peaceful, stress free and excited for the future! If you currently have at least enough money to cover your monthly expenses, I can help you reach your financial goals!

Myth: Budgeting is restrictive.

Truth: Budgeting gives you the freedom to decide how your money is spent, rather than wondering where it went.

I Can Help By:
Creating a current picture of your money, so you can see what you have to work with
Creating a customized spending plan, based on your goals
     This will give you the power to direct your money where you want it to go
     This will also allow you to see the time frame for reaching your goals
Teaching you how to change your customized spending plan, as your goals change
Creating a budgeting system, so you can implement your spending plan and track your spending and saving
     Following the budget and tracking spending will allow you to have a consistently current picture of your money,
​     so you can stay on track with your financial goals
Teaching you how to change your budgeting system, as your goals change and how to track your spending
Being your accountability partner, to help you stay on track
Helping you set realistic goals, based on your current financial picture

A concrete plan to reach your financial goals, along with a timeline of when you’ll get there!
A budgeting and tracking system that’s easy to understand and use
Peace of mind, knowing you can handle money issues that face you today and in the future.

I Cannot Help With:
Investments, retirement plans, insurance reviews/recommendations – this is the job of a financial advisor. I am a budget coach, the first step to getting your financial life on track. My job is to get you to the point where you’re ready for a financial advisor.


Schedule a free “chat” and let’s talk about how we can work together, to relieve your financial stress! Call (562) 265-8182.


Since all sessions are conducted via Zoom, we can connect, no matter where you live! I look forward to chatting with you!

I know it sounds cliché to say, “if I can budget, anyone can budget”, but in this case, it’s true! When I started working with Bobbi, I was 55 and had never been on a budget or saved for something in my life. I saw Bobbi’s CentsAble Chat page on FB and jokingly asked her if she could just make the budget and tell me what to do. I was kidding, but she wasn’t and instantly offered to help me. I knew this was a once in a lifetime opportunity, so I jumped at it because I was so tired of living paycheck to paycheck just so I could make my credit card payments...that never went down. Bobbi is brilliant and creative with numbers and planning and is very patient, flexible and never judges. She has helped me get a month ahead on my rent, be “fully funded” for all my upcoming expenses...before they’re due, and, I am now half-way to being debt free in just under 10 months! I have been using the YNAB app and I have to say, it’s actually fun to budget. I look forward to entering my income and moving it to the appropriate categories, so I am ready to pay everything in a timely manner. Now that I know exactly how much money I have and where it needs to go each month, I am finally seeing what terrible spending habits I had…and, yes, sometimes still have. Thank goodness for my Me - Fun Money category! Bobbi is a great budget coach and has taught me so much. She’s gone above and beyond to find solutions for cutting expenses and making extra cash so my income goes further each month.
Just do it! You will not regret it!
Wendy – Orange County, CA
January, 2019


Read how CentsAble Bobbi made it just that way for these folks!