You don't have a budgeting problem.
You have an unmet need problem.
One 60-90 minute session. No judgment. Real strategies built around what you actually value.
Reply-friendly booking — no form, no hassle
You know the cycle.
You spend more than you meant to. You feel terrible. You tell yourself tomorrow will be different. Then something happens — a hard day, a quick Target run, an ad that shows up at exactly the wrong moment — and you're right back there.
You check your account and the big purchases aren't there, but neither is the money. It's disappearing somewhere. You just can't explain where.
You've tried budgeting. You've tried the apps. You cut out restaurants for a month and then gave up. Nothing sticks. And the things you actually want — the trip, the family experience, the renovation — stay on the list.
"No matter how much money comes in, we don't have anything to show for it."
That is not a discipline problem. It is not a willpower problem.
The tools you have been given are keeping you stuck in shame. And shame can't be solved with spending.
That is not your fault.
You haven't been given the right tools. Everyone told you to make a budget. A budget lives on paper. Your spending happens in real time, with real emotions. The advice you got was solving the wrong problem.
Spending is not a budgeting problem — it's an unmet need problem.
Mary Ann Stenquist
Spending Coach
She's been where you are.
I struggled with overspending for years. I tried every budget. Finance books. Fresh starts that didn't last. None of it fixed my spending — because none of it was asking the right question.
When I finally stopped trying to spend less and started asking WHY I was spending, everything changed. My desire changed overnight. My spending followed.
What I found is what the whole personal finance industry is missing. Budgeting is a planning tool. Spending is a behavioral and emotional event. They are not the same problem. The Spending Solutions Session is what I wish someone had offered me.
That is not your fault. And it is something you can work on.
Here's what change looks like.
My shopping has gone way down. I am now reasoning in my head and not buying things or getting caught up in certain clothing pieces that I really want.
At my follow up, I only purchased two workout tops on Poshmark. These same tops are to replace my favorite ones that either have holes or became very faded. I'm so grateful for the help and support.
This was the first time I have opened up to anyone about my spending.
You did a great job of uncovering their motivations and provided practical steps for them to practice. You are great at what you do.
Target spending at the source.
Most coaches hand you a spreadsheet. This session goes deeper. By identifying what need your spending is fulfilling and which spending type drives your habits, you leave with a personal strategy. Not a generic plan that was never built for you.
Gets to the root
Spending happens because of something. We find the unmet need behind your specific pattern. Not the symptoms. The source.
Strategies you can use today
You leave with real, actionable strategies built around your specific spending type. Not homework for next month.
Desire changes. Not just behavior.
When the need is met another way, the urge to spend changes on its own. No willpower required. No white-knuckling it.
Your Spending Solutions Session
- 60-90 minutes 1:1 with Mary Ann — the whole session is about you, your spending, and what's actually driving it
- A Needs Assessment that identifies the unmet need behind your spending pattern — the thing every budget missed
- Your primary spending type identified — and what it means for the specific strategies that will actually work for you
- Personalized, real-time strategies built around what you actually value — not generic advice you've already tried
- A clear answer to "where is my money actually going?" — finally
Hit reply or send an email · Mary Ann responds personally
Questions she hears.
"Is this just going to tell me to make a budget?"
No. Spending is not a budgeting problem — it's an unmet need problem. A budget tells you where your money should go. It doesn't tell you why you can't stop spending. That's the work we do in the session. If you've already tried budgeting and it didn't fix the behavior, this is different from everything you've tried.
"I should be able to figure this out myself."
One client said it was the first time she'd ever opened up to anyone about her spending. She wasn't broken. She'd been carrying this alone for years. That's not a willpower failure. That's not having the right space to work through it. That is not your fault.
"I don't know if a 60-minute session will actually change anything."
One session. Shopping went way down. Real-time reasoning kicked in. "I am now reasoning in my head and not buying things." The mechanism isn't restriction — it's understanding. When the need is met another way, the desire changes. That's what the session builds.
"I've tried everything. Nothing sticks."
The things you tried were solving a different problem. Budgeting, apps, cutting out restaurants — those are tools for planning. Your spending happens in real time, with real emotions. When you find the need behind the purchase, the behavior changes without white-knuckling. That's what we're doing in the session.
Start asking why you spend.
Every month you don't address the root cause, the money keeps disappearing — into small purchases you won't remember, while the trip, the experience, the thing you actually want, stays on the list.
Book your Spending Solutions Session — $47One session. No judgment. Real strategies — or hit reply and I'll answer your questions first.