Helping artists and creatives build the foundation of financial freedom, one budget at a time
Do you find it challenging to save or pay down debt effectively because of irregular income?
Are you often stressed about money between projects, or feeling stuck from taking on more jobs to support your art and creative career, yet ending up having no time and energy to focus on it?
Do you wish you can talk about your finances with someone who understands your line of work and its unique challenges?
Managing our finances in a consistent and effective manner can be challenging for many people, but especially for gig workers and self-employed individuals. A working personal budgeting system is so much more than setting monthly limits and tallying expenses.
It should give you the ability to track past transactions, make well-informed spending decisions, and plan ahead for future goals altogether. It should work with month-to-month variations, and most importantly, it should give you clear and honest insights about whether your current money behavior aligns with your value and leads you where you want to be, and provide the tools to course correct when you’re not.
This means no-guilt spendings, less surprises, goodbye to the unhealthy “feast and famine” cycle, steady savings and debt-paydown progress without sacrificing your quality of life, and a clear sense of how money in your bank account translates in real life at any given moment.
And I’d love to help you create this system.
How It Works
The Platform: YNAB
The award-winning budgeting software + tried-and-true method that provides you with tools to do everything mentioned above and more, giving you the foundation of a system with the clarity, flexibility, and control you need to shift your money managing behavior from reactive to proactive, and your money mindset from “spending less” to “getting more out of how you spend.”
The Support: Moi
If YNAB is the best equipment ever to exercise your financial health, consider me your personal trainer.
As a certified YNAB coach specialized in budgeting for variable income folks, I can help you with:
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setting up a customized budget template, with features that best fits your needs
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finding and interpreting datas that helps you make better financial decisions
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designing a personalized budgeting routine that incorporates YNAB’s four rules & six habits (the method) into your daily life, for you and with you.
With working knowledge of the arts & creative industry and lived experience as a self-employed artist, I can also help you with budgeting questions from the industry perspective (such as “how to deal with commissions and income tax stuff in my budget”), or brainstorm career-related decisions using data from your budget as reference, (such as “do I need to get a part-time job before my next contract?”)
And YOU!!!
If you can’t already tell - this is not a hands-off approach. Your input, feedback, openness and commitment will directly impact how effective this system can work for you. Because after all, you are the expert of you, and the more you are willing to share and try, the more we can build a plan that fits you like a glove, that moves you closer to your goals, and start loving instead of fearing your finances.
Services that meet you where you are, at the rate of your private lessons or studio classes
1 on 1 Coaching Package
1 hr complimentary discovery call + six 1.5 hr sessions + (10 hrs in total) Recommended to be completed between 8-12 weeks
$540 CAD + tax
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Option to book future sessions at $50/hr for further support after completion
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A three month free subscription of the YNAB software will be provided during the package**
(ask me questions and see if we're a good fit!)
Group Workshops & Small Group Sessions
While 1 on 1 coaching can be most time effective and tailored to individual need; small group sessions can be a more affordable option for individuals who learn better under group setting, and small group of friends in similar financial situation that don’t mind sharing their challenges and progress with each other.
Workshops tailored to students in arts program and other specific groups in the arts & creative community are also available.
Service available in Mandarin
Discount and payment plan are available for students, recent grads, and those who need the support, can commit to the work, but can’t afford the full cost in the moment. If this is you, let me know while booking the free consultation session and let’s work something out!
The YNAB software automatically comes with a 34 day free trial and a two-month extension will be added on top when you purchase a coaching package. Subscription after the free trial is highly recommended but not required, the method is most powerful when combining with the software/app but can still be implemented using other budgeting tools.)
Testimonials
Faly Mevamanana
Arts Worker / Traveler
Working with Phoebe has truly changed my experience with money. It was so incredibly valuable to get to have someone on my side, who I could count on, and who was there to not only walk me through the YNAB process, but to answer all of my questions and provide such wonderful insight and support.
I just had a wildly expensive thing to pay for (that was ×4 what I was expecting) and I didn't even stress about it. I had previously created a ' Stuff I forgot to Budget For' category at Phoebe's suggestion, and had the money ready to go. It was such a huge relief. A year ago, I would have been very stressed out and probably would have canceled my dinner plans, friend hangouts, or my birthday trip, but I didn't need to do any of those things.
As an artist, I constantly felt like I was just scrapping by financially from contract to contract, but working with Phoebe allowed me to see that that wasn't true. As a fellow artist, she showed me that there is power in pre-planning your expenses, and allowed me to feel prepared for the moments between contracts and for larger purchases. I can't imagine not using YNAB now. Phoebe allowed me to feel more in control and comfortable with my money and my future.
[YNAB Disclaimer]
I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or its affiliates.
