Hi there,
Most budgeting advice starts with fear: cut back, rein it in, fix your spending problem.
That is not what we’re doing here.
What I teach is budgeting as a creative, powerful act of attention. Not deprivation. Not shame. Just a clearer way to see and direct your money.
I teach a method called zero-based digital envelope budgeting. It means every dollar you already have is given a job before you spend it. It’s proactive, not reactive. And it’s way more radical than it sounds.
Because most people don’t do this. Even smart, capable people. Even people who say they "budget."
They track spending after the fact. They rely on their checking account balance to guess if they can afford something. They pay their credit cards in full and call it good. But they have no idea where their money is really going or what they want it to do.
This approach flips that on its head.
We don’t start with your dreams or your blocks or your five-year plan. We start with what’s in your checking account right now and what that money needs to do before more comes in.
This is budgeting that’s grounded in reality. It’s not theoretical. It’s not aesthetic. It’s not some spreadsheet fantasy version of your life.
It’s just the numbers, as they are and what they need to do next.
I’m not here to give you rules or tell you how to spend your money. I’m here to help you see what’s actually happening and build a system that helps you spend with clarity.
If you’ve ever looked at your bank balance and thought, “where did it all go?” or told yourself, “I’m fine, but I still feel out of control,” you’re in the right place.
This work isn’t about fixing you. It’s about showing you how to work with the money you already have in a way that makes sense.
If that resonates, here’s how we can work together:
We start with a free 20-minute call to Look at Your Money. It’s a low-pressure conversation where we talk through what’s happening in your finances, what feels unclear or overwhelming, and what kind of support you're looking for.
If it’s a fit, we begin with a paid setup session where we build your budget together using YNAB (You Need a Budget). You’ll create a personalized, zero-based envelope system, one that helps you decide exactly what to do with the money you already have.
If you'd like to keep going, there are flexible, tiered options for ongoing support based on your actual cash flow and budget.
Head over to my Work With Me page to learn what that looks like, and schedule a first conversation!
Best,
Allegra