My Story

Growing up, my parents never taught me about money.  I knew my mom was the saver and my dad was the spender.  Can you guess who I took after?







 
 
You're Right...
I was the spender.  I was loving Amazon just a little too much.  I was trying to fill a hole in my heart with the immediate gratification of shopping online. I thought it was amazing to be able to order online and get it the next day or two.
 
Fast forward 25 years or so
I continued to spend beyond our means.  My wife tried to pinch pennies but couldn’t offset the growing debt that was taking place.  Our debt continued to grow even though my salary had increased.

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Richard Hawley
Ramsey Preferred Coach

Certifications

John Maxwell's Maximum Impact
Atlanta, GA
Certification in Developing the Leader Within You

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Marshall Goldsmith NYC
Executive Coaching and Leadership Development
Certification in Executive Coaching

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Dave Ramsey Solutions:
Certification: Financial Coach Master Training
Certification: Ramsey Preferred Financial Coach

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What got us motivated
it took some financial gut punches to bring us to the point of seeking help. I used Gut Punches because I felt like a body punching bag. That's how it felt because of the pain that I was experiencing emotionally and physically.
I know how you feel
I can really relate with how you feel. 
I've lost sleep over our debt load.
Relationally, I was at odds with my spouse.
Emotionally, I was a wreck.
Spiritually, I knew I was mismanaging God's money as a steward. 
Mentally, I devoted a lot of time trying to figure out things on my own. 
The DIY program that I was on wasn't working at all.

Think About This

It took some financial gut punches to bring us to the point of seeking help. I used this metaphor "Gut Punches" because I felt like a body punching bag. That's how it felt because of the pain that I was experiencing emotionally and physiology. 

Those Gut Punches were not wasted 

The pain motivated us to seek help.  My wife had picked up a copy of Dave Ramsey's, "Financial Peace".  We started applying the principles in that book.

Fast forward >>> In less than two years we paid down our debt of $45,000.  We experienced an overwhelming sense of peace. We were and we are so relieved. That simply is PRICELESS!

I saw the value in applying the principles and processes that we learned

I didn't stop there; I began putting money aside for the future.  I was really moved by the experience and turned my efforts to getting certified by Ramsey Solutions.  In 2019 I was certified as a Financial Coach Master Trained.  And not too long after that I was certified as a Ramsey Preferred Coach. 

And at the beginning in 2022, I expanded my efforts to begin offering digital products in effort to support you and small business owners.

 

These tools and products will be rolling out in July through the end of the year. This makes it very affordable to address your personal needs at the price point you can afford.  In addition, you will be able to pick and choose the topic that best meets your needs.

 

You will be introduced to a host of digital product that are highly practical. 

Why did I get certified as a Ramsey Preferred Financial and Life Coach

It is very simple but also very alarming.

If 8 out of 10 Americans are living from paycheck to paycheck,

that means that 8 out of 10 people is see at the grocery store is living paycheck to paycheck. It means that 8 out of 10 pastors I fellowship with are living from paycheck to paycheck. 

It gets personal because I have such a large family in Ohio and Western Pa.

It could very well be that 8 out of 10 of my family are living from paycheck to paycheck.    

 

Living from paycheck to paycheck is like spinning plates at the end of tall skinny rods. If you don't give ample attention to all your dishes you will eventually start dropping plates on the floor. Let me help, even if it means that I help with the clean-up process. Click the button below and schedule your FREE Coaching Session.  It all begins with a conversation.