When Riley and I began our journey with Tessa- Marie we were in dire need of help. Although neither of us was in any large debt we both had a dream of moving out and starting our lives together.

Unfortunately houses aren’t cheap and a down payment is required.

We both had bad spending habits that hindered our ability to gain any savings or any money security. If something went wrong and it was an expense we would end up in debt using a credit card to pay for whatever situation we were put in.

We started our journey with a limited budget and personally had doubted that Tessa-Marie could deliver on all of her promises.

Surprisingly we found that not only did we have money to save. We also could continue to live our lives. We could go out with friends, have an expensive dinner once in a while. Overall enjoy our weekly lives without a burden or constraint because we were saving money.

Tessa-Marie started working with us weekly. Her methods of saving money and her wise straight to the point teachings started to change our lives.

At first, it began with simply putting our money on paper and looking at our past expenditures. This forced us to look at the actual amounts of money we were spending.

This was a huge shock to both of us realizing that we were basically living pay cheque to pay cheque and spending most of our money on useless things that we no longer have.

After this, we both knew that we needed to listen to Tessa-Marie and follow her guidelines to achieve the life we both knew we wanted.

She asked us what we wanted most. We gave her a list of five things we wanted. We could see that she genuinely wanted to help us achieve these goals. Tessa-Marie then started to organize our money into different accounts each with a specific purpose to reach our goals while, still living our lives. After about a month we started to notice growth in our savings, while still having social lives. We truly began to believe in the system.

Then with a helpful nudge we realized that we could save more money and still enjoy life. So we needed to re-evaluate our spending and change our recent accounts.

After this, we had a solid plan that worked well and helped us save larger amounts.

Now it has been around 9 months and not only can we see our financial future but, we can clearly see how inflamed our bank account has come. Tessa-Marie doesn’t force you into saving, she simply helpfully guides you but, puts the responsibility on yourself or in our case us.

Truly Tessa-Marie has helped drastically change our lives for the better and we both are much happier in our lives and our future. Although she helps you reach your ultimate financial goal she does so much more than just save you money. She made us look at our lives and create goals. Figure out what we wanted out of life and overall make us realize we could do it together.

We both owe Tessa-Marie something more than you can give back because she gave us something you cannot put a price on, a happy and stress free financial future.

I hope Patrick’s and Riley’s experiences guide you to seek financial navigation to your own stress free financial future.

All the best



If you want to blog but you are afraid of what others may think, this is for you.

Blogging is wonderful. To me blogging is having a continuous conversation with a friend.   A friend who lets you say whatever is on your mind while they have a smile on their face.

Blogging is the lover who loves you more than you could love them. They are always there just waiting for you to drop by. A smile or hello from you makes their heart soar.

This is my experience with a friend. Who when she read my blogs would point out all the spelling or grammatical errors she could find. She would then go on to tell me, how I should have written what I wrote. She told me I could not spell and my grammar was atrocious. She did not only tell me once but every time she saw me she, told. It did not matter to her, who was in the room or where we were.

This went on for a very long time. I noticed it was distracting me and I was getting to the point where I was unsure of myself.   I almost gave up writing altogether.

Every time I sat to write a blog I was consumed with what this woman or the others like her thought of my writing.

My need to write was much stronger than my fear of what she or others like her had to say.

Then one day I remembered something my father had given to me during one of our life lessons.

As a very young woman my father gave me a copy of the Quote by Theodore Roosevelt, The Man In The Arena.  He said, when you are afraid to try, read this until you get over the fear. It might take days but keep on reading; the fear will eventually go away.

A few days later I knew I would be seeing my friend. I made a copy of the quote and took it with me. The moment I arrived I found her and said. “I have something for you.” I handed her the quote and said. “It is very important and I promise you every word is spelt correctly.” I went away and left her opening the note. When she was done reading, she came to me and said. “Wow, I did not know you were hurt by my words and actions. I am really sorry. You have taught me a valuable lesson.”

I politely said to her. “Since you are so good at English grammar and spelling would you like to edit my blogs, FOR FREE.” Her answer was most startling. She said. “I am not half as good as you are. I really cannot help you I wish I could. If I could it would make up for how I made you feel.”

What could I say? I smiled, walk away and decided I will try to do better but I will never let another person influence my choice to be me again.

Here is the Quote:



It is not the critic who counts, not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat.




In last week’s blog post, Lisa told her story. She spoke about the choices she made which enabled her to alter her financial situation.

Here are three decisions Lisa made which changed her financial circumstances.

Decision #1   She Asked For Help

Many times we are confronted with problems or situations in our lives where help is needed. At times, we hold ourselves back by not asking for advice.

I am frequently told the reason for not seeking assistance is the fear of what the person may think. This never is a good reason to prevent anyone from seeking guidance.

What did Lisa do right? She asked for help.

Lisa did not stop to consider whether I would judge her. She did not let fear take her opportunity for a better financial life away from her. She mustered up the courage, approached me, and asked for assistance.

This is all that has to be done. Never be too scared or secretive to seek advice. Especially when dealing with a situation you are not trained to manage.

Decision#2 Know What You Want

Lisa knew what she wanted. In her own words, she said. “I am overwhelmed with my financial situation. I want to pay off my credit card debts and take my family on a vacation.”

She gave me two clear and concise goals.

I asked her whether she was prepared to work towards those goals on a daily basis? Lisa agreed.

I became her Financial Planner or her navigational system. Our journey together began. Lisa met with me every Tuesday from 6pm to 8pm. This went on for one year.

As a Financial Planner, we are on the journey with you. It is our job to show you the gains and the pitfalls of your choices. She told me what she wanted and I showed her how to get it. We are an essential part of making sure you achieve the goals you set.

She knew she needed guidance, saw an opportunity and took it.   Today Lisa is reaping the benefits of seeking assistance.

Decision #3 Focus On Attaining You Goal

  • Hold your goals in the forefront of your mind.
  • Attend all the appointments you make.
  • Do the homework that is given.
  • Celebrate small successes.
  • If you meet a detour on your way, reroute but stay focused on your destination.
  • Let the important people in your life know what you are working on.
  • Talk to the children in the family about the goals.
  • Empower them with minor task.
  • Let them choose the vacation spot.
  • Have weekly family meetings about the goals.
  • Discuss what changes will be made once the goals have been achieved.
  • Where appropriate share with others the details of your journey.

Most of all re-visit your goals regularly. This should be done at the very least annually.

The Reason I Choose To Blog Publicly

I have been blogging for over five years. During those five years, I have helped many people get out of debt; purchase homes they can afford and develop better saving habits.

The reason I choose to blog publicly because I have knowledge as a Financial Planner that I wanted to share with others. The advice I give in person or through emails is always free of charge. Blogging enables me to reach out to people all over the world.

My blogging topics will continue to be on finance. My mission is to connect with as many people as possible that needs help and advice to successfully manage their finances.

There is a big need for proper financial management many are stuck and I have the skills to guide them to find a way out.   The knowledge and training I have I enable to see opportunities, where those that are dealing with the financial crises are unable to see the other choices that are available to them.

Also I am planning to incorporate a life skill aspect to my blog because I realize that many life skill habits create poor financial choices. When proper life skills are learned and develop we are able to make better choices both in our financial and personal life.

If I am able to successfully blog throughout the next year, I hope to enlighten, educate and encourage others to successfully manage their finances and personal life.