Home - Denise Hughes Author Speaker Money Coach

relationships and money



What is Financial Coaching?

Financial Coaching is a process, supporting you creating the financial life you desire to have. This process involves four steps.

Step One, is gaining clarity on where you currently are in your financial life. This means looking at your numbers (savings, earnings, spending, giving) without judgement.

Step Two, is understanding your Money Blueprint and Personal Money Story with compassion. This understanding sheds light on patterns of behavior no longer serving  you. Together, we create a new Money Blueprint, which includes money practices (action), money mindsets (ways of thinking), and a new belief system supporting you in meeting your goals.

Step Three, is stabilization and strategy with cash flow. This means earning more than you spend. It means paying off current debt while not creating new debt. It means connecting to your deepest values, allowing your dollars to nourish those values and live a life with an internal experience of abundance. It means saving enough money for short term needs, emergency situations and for your later years.

Step Four, is sustaining new habits and behaviors supporting you long term. In this phase, you become accountable to you instead of being accountable to me!

Do I have to commit to a certain amount of Financial Coaching sessions?

No, you don’t have to commit to a certain number of sessions. Financial Coaching is client centered. This means you set your goals and we talk about how often we meet. Usually, we begin with meeting twice a month, which decreases to once a month, then once a quarter and then annually.

You can begin and end the process anytime you desire. Everyone has different needs. Some of my clients want one breakthrough session, others want a couple of consulting sessions and others want a coaching relationship that helps support permanent behavioral changes.

How is Financial Coaching different from Financial Planning?

Financial Coaching’s process supports that inside change (in ways you think, beliefs you hold to be true, actions you take and emotions you hold around money) creates a new outward financial picture for you. Financial coaching integrates psychology, spirit and money.

Financial Coaching is a therapeutic process focusing on your strengths, while closing the gap between where you are and where you’d like to be.

Common reasons people seek out Financial Coaching are:

  • Feeling out of control with money
  • Overspending
  • Under Earning
  • Not knowing how to have conversations about money with their partner
  • Fear of looking at “what is”
  • Not saving enough
  • Living in a chronic mindset of scarcity
  • Don’t know how to make money work in life or business
  • Avoiding money

Financial planning is a process focusing on your long term plan, integrating estate planning, tax planning, risk protection (insurances), and investments through all of life’s stages. Most financial planners and advisors do not have training in psychology or processes that motivate people to make changes in the short term to support the long term goals. Financial planning is a very important part of creating financial well-being however and long term strategies in creating wealth.

For me, financial planning has been an invaluable road map (big picture vision) supporting my husband and I toward our long term goals.

What groups of people do you work with?

I work with couples, individuals and small businesses.

How do I determine if we are a good fit?

I offer a free 20 minute phone consultation to help see if we are a good fit for one another. It is important to me your need fits the services I offer. Otherwise, I am happy to offer you a referral that better fits your need. You can call me at 650-592.8239 or email me at denisehughes@comcast.net.

If you want to learn more about Financial Coaching and have questions that aren’t covered here, I welcome hearing from you.

Categories: Financial Coaching | 0 COMMENTS

Couples and Money | Getting on the Same Financial Page With Your Partner



Making money work in marriage is difficult for couples. Most of us aren’t prepared going into marriage, with the know how to bridge differing money attitudes with our partner. We may not know how to negotiate or prioritize expenses, apply basic financial principles to our lives, or work as a united financial team. No wonder so many couples experience money conflicts. Here are some things that helped us.

Money-Skill Sets For Marital Harmony

1. Gaining CLARITY in every aspect of your financial picture. This means being willing to “look” at what is. After all, your numbers are merely a reflection of the behaviors you bring to your financial life as a couple. So, “looking” at your numbers is going to help you “see” what behaviors are behind those numbers. Stepping into clarity is an act of courage and a reclaiming of your personal financial power. It really is hard to change your financial picture when your financial numbers are fuzzy and you aren’t sure where you stand. Fuzzy numbers don’t guide you to the best choices for your particular situation.

2. TALK about money as a couple (as much as you talk about other things). Set aside time each week to problem solve your money puzzles that come up. Weekly check-in’s are a must when it comes to knowing where you stand in comparison to income available and expenses requiring your attention.

3. TACKLE limiting money beliefs or mindsets that do not move you forward to your highest goal. Sometimes, the symptoms of a limiting money mindset comes out in these ways: over spending, impulse purchases, under-earning, not being able to save while earning, hoarding money and basically behaviors that create distance between you and your money! If there is a gap between what you desire your money picture to look like and what it actually is, the odds are a limiting belief is present.

4. RECONCILING DIFFERENT VALUES is a must. Both of you need to be on the same page and share a vision of what you want to accomplish in your financial life. Maybe this is creating a solid foundation for your family which leverages you to build wealth. It is important to verbalize your thoughts about what you want to create, agree on a mutual vision and then take action toward your vision.

Couples and Money-Biggest Reasons To Be in Alignment

  • Money is the biggest stressor in the lives of couples in America!
  • You can build wealth twice as fast with the help of a partner who is on the same page as you
  • You can role model healthy money behaviors to your children and leave them a healthier legacy than the one you received as a couple
  • Alignment brings with it the energy of peace, control, focus, security and FUN! Don’t you want the foundation of your home to be harmonious?
  • You will receive and experience increased FREEDOM from being in alignment
  • You can give more and help influence the planet or your causes to grow in positive ways

Couples and Money-Resource Books

Couples and Money by Victoria Collins, Love and Money by Jeff Opdyke and For Richer or Poorer by Ruth Hayden

Couples and Money-Homework:

Implement one of the above skill sets in order to breathe new life into your personal financial picture!

Couples and Money-Question:

What is one behavior YOU can change to bring you and your partner into financial alignment starting today?

Categories: Couples and Money | 0 COMMENTS