I will assist with budgeting and financial planning

I build clear, decision-ready budgets for individuals and households and for the small businesses some of them are starting.

Starting from your actual income and spending, I build a personal budget you can actually manage against: fixed costs, variable spending, debt paydown, savings goals, and taxes, projected out twelve to twenty-four months. If your income is irregular freelance, commission, seasonal the model handles that instead of assuming a steady paycheck.

You also get scenario toggles, so you can see what a job change, a move, a new car, a baby, or a bad quarter does to your numbers before you commit to it.

Typical deliverables: a monthly budget and cash flow projection, a debt paydown and savings plan with target dates, an emergency fund and runway calculation, scenario comparisons, and a short summary of what the numbers say and where the pressure points are.

Also available: if you're starting or running a small business, I'll build the business budget alongside your personal one, so you can see what you can actually afford to draw and how long your savings hold out while the business ramps.