Hi, I'm Francine.
And I’m going to be honest with you: you’re not bad with money. You just haven’t had a plan.
I’ve been in your shoes: high debt, living paycheck to paycheck, and wondering if it would ever change. Since then, my husband and I have paid off a home and our car loans, and we’ve built real savings, so I’ve lived every step I’ll guide you through.
For 10 years I’ve also worked inside the real numbers of small businesses, farms, and families. Here’s what I’ve learned: almost nobody feels like they have it together. People wait to get help until they feel “ready.” Ready never comes. You start, and then you feel ready.
That’s why I do what I do. I’m a financial coach and virtual bookkeeper in Bloomington-Normal, and I help people stop avoiding their money and start running it.
What Working With Me Looks Like
No judgment. Ever. I don’t care how you got here. I care where you’re going. Together we build habits that actually stick:
Give every dollar a job. We build a budget before the month starts, so your money stops disappearing.
Build a cushion first. A starter emergency fund means the next surprise bill doesn’t become new debt.
Knock out debt your way: smallest balance first or highest interest rate first. Smallest-first gives you quick wins that build momentum. Highest-rate-first saves you the most in interest. We’ll pick the one that fits you and stick with it.
Spend less than you make, on purpose. Not because you’re deprived, but because you’re choosing freedom.
Check in every month. Five minutes with your numbers beats five months of guessing.
For Business Owners
Your business deserves the same clarity. With my bookkeeping background, including farm and agricultural books and service-based businesses anywhere in the U.S., I’ll make sure your numbers are clean, current, and telling you the truth. Then we use them to make confident decisions about pricing, taxes, slow seasons, and paying yourself.
Credentials You Can Trust
Ramsey Financial Coach Master Training · Associate Digital Bookkeeper certified · QuickBooks certified · Proud member of the McLean County Chamber of Commerce
Here’s the Thing
You don’t need more motivation. You need one next step. So take it today, not Monday or next month: book a free discovery call. We’ll look at where you are, decide what to do first, and you’ll leave with a plan.
