Starla Consulting 8/19/25 Starla Consulting 8/19/25

What Is Money Coaching — and How Can It Help Me?

If you’ve ever felt like you should have a better handle on your money — but you’re not sure where to start — you’re not alone. Most of us were never taught how to manage personal finances, let alone how to plan for a major life transition like divorce or starting over on your own.

That’s where money coaching comes in.

Money coaching is a supportive, nonjudgmental process that helps you get clarity around your finances, build healthier habits, and make decisions that move you toward your goals. It's not about investing or selling financial products. It’s about helping you understand your money — and use it as a tool for the life you want to build.

Here’s what working with a money coach looks like:

Understanding your current situation: We start by looking at where you are — income, expenses, debts, goals, and pain points.
Creating a plan that fits you: We design a simple, actionable path forward. This might include budgeting, debt payoff strategies, or getting organized for the next chapter.
Learning skills with support: You’ll learn how to manage your money — not through lectures, but through real, practical tools.
Accountability & encouragement: We work together, session by session, to keep you on track without guilt or shame.

Money coaching is especially helpful during times of change — like divorce, career shifts, or running your own small business. If you're feeling overwhelmed, uncertain, or like you're just not “good with money,” please know this: you don’t have to do it alone.

Let’s talk about where you are — and where you want to go.

Starla Consulting 8/19/25 Starla Consulting 8/19/25

Avoiding Your Finances? Here’s Why That’s Totally Normal — and How to Move Past It

Let’s be honest — looking at your finances can feel really uncomfortable. Maybe you’ve avoided opening certain emails. Maybe you haven’t checked your account balance in weeks. Or maybe you’ve told yourself, “I’ll deal with it later,” more times than you can count.

If this sounds like you, please hear this:
You are not lazy, irresponsible, or broken.
Avoiding your money is normal — especially if you’re overwhelmed, in transition, or have never been taught how to manage it.

Many women I work with carry shame, fear, or anxiety when it comes to money. Some stayed out of financial decisions during marriage. Others are rebuilding after divorce or a big life change. And many have been told they’re “bad with money” — when really, they just haven’t had the right support.

Here’s the truth:
Avoidance is just a protective response. It’s your brain’s way of saying, “This feels too big to face.” But that doesn’t mean you can’t move forward.

That’s where money coaching can help.

In a safe, judgment-free space, we work together to:

Understand your relationship with money — where it comes from, what’s triggering you
Break things into small, manageable steps
Build tools for budgeting, organizing, and planning that actually feel doable
Replace fear with clarity — and avoidance with action

You don’t have to fix everything overnight. But you do deserve to feel confident, in control, and supported.

If you’re ready to stop avoiding and start taking small, empowered steps — I’m here to guide you.

Starla Consulting 8/19/25 Starla Consulting 8/19/25

Why Your Budget Isn’t Working — And What to Do Instead

If you’ve ever tried creating a budget — only to feel like a failure when you couldn’t stick to it — you’re not alone.

So many of the women I work with say things like:
“I make a budget, but I can never follow it.”
“I start strong, then fall off after a week or two.”
“Budgeting just doesn’t work for me.”

Here’s the truth: the problem isn’t you — it’s the way traditional budgeting is taught.

Most budgeting tools focus only on numbers: income, expenses, spreadsheets, calculators. But they completely ignore how you feel about money, or the real-life unpredictability that comes with raising a family, going through a divorce, or running a household solo.

If your budget isn’t flexible, values-based, or connected to your emotional relationship with money, it’s no surprise it falls apart.

That’s why my approach to budgeting is different.

As a money coach, I help you:

Create a budget that reflects your actual lifestyle — not a fantasy version of your life
Align your spending with your priorities and values
Build in flexibility so you can adjust when life throws you curveballs
Understand and work through the emotional triggers behind your spending
Focus on progress — not perfection

A good budget isn’t about restriction. It’s about clarity, confidence, and having a plan that feels supportive — not stressful.

So if you’re tired of feeling like you’re “bad at budgeting,” maybe it’s time for a different approach. Let’s build something that works for you.

Starla Consulting 8/9/25 Starla Consulting 8/9/25

Why Full Financial Disclosure Is the First Step in a Fair Divorce

For many women, especially those who haven’t been involved in managing the household finances, the divorce process can feel like stepping into a fog. You’re being asked to make huge decisions about your future — but without knowing what’s really on the table.

That’s where financial disclosure comes in. It’s not just a legal requirement — it’s the foundation of clarity and empowerment.

Before you can negotiate who gets what, you need a full picture of what you have: bank accounts, retirement funds, property, debts, business interests, and more. It’s not enough to go off what your spouse says — you need the documents, the real numbers, and a clear understanding of their value.

This exchange of information is often called “discovery”, and it can be informal or handled through your attorney. When both sides cooperate, it saves time, money, and emotional energy. But if your spouse is evasive or uncooperative, there are legal tools to compel full disclosure — and you should absolutely use them if needed.

Why does this matter so much? Because without accurate information, you can’t make informed decisions. You might walk away from something you’re entitled to — or take on more debt than you realize. As a money coach and tax advisor, I’ve seen firsthand how costly those oversights can be.

If you’re beginning the divorce process and feel uncertain about the financial picture, you're not alone — and you don’t have to figure it out alone either. My role is to walk with you, help you understand what’s yours, and ensure you have the knowledge and confidence to make decisions that protect your future.

Disclaimer:

NOT LEGAL OR TAX ADVICE: This information is for general informational purposes only and does not constitute legal advice or tax advice. It is not intended to be a substitute for professional legal or tax advice. You should seek the advice of a qualified attorney or tax professional for advice, support, and/or services tailored to your specific facts and circumstances. This communication does not create an attorney-client relationship, nor is it a solicitation to offer legal advice. IDFA and its representatives make no warranties about the information contained herein and assumes no responsibility for errors or omissions in the content or for any actions taken based on the information provided.

IRS CIRCULAR 230 NOTICE: To ensure compliance with the requirements of IRS Circular 230, we inform you that any U.S. tax advice contained in this communication or any of our materials is not intended or written to be used and cannot be used for the purpose of avoiding penalties under the Internal Revenue Code or for promoting, marketing or recommending to another party any transaction or matter addressed in this communication or attachment.

Starla Consulting 8/14/19 Starla Consulting 8/14/19

Reclaiming Control: How Financial Awareness Can Empower You During Divorce

If you’ve felt out of the loop when it comes to finances in your marriage, you’re not alone — and you’re not powerless.
Divorce often brings financial decisions into the spotlight, and for many women, it’s the first time they’ve had to face the numbers head-on. That can feel scary. But here’s the truth: getting financially informed is one of the most empowering things you can do.

Understanding what you own, what you owe, and what your household really costs — these are not just numbers. They are the building blocks of your post-divorce security. When one spouse holds all the financial information, it creates an imbalance that can lead to a one-sided settlement. You deserve better.

Getting informed doesn’t mean going it alone. It means asking the right questions, requesting documentation, and working with someone who can help you connect the dots — someone who knows how to translate complicated financial concepts into clear, confident decisions.

I’ve helped women who didn’t know where to begin — no account access, no budget, no clarity. And together, step by step, we created a path forward. You can, too.

Whether you’re just beginning the divorce process or already in the thick of it, financial clarity is your best defense — and your greatest advantage. When you understand the facts, you negotiate from strength, not fear.

You don’t have to be a financial expert. You just have to start. And I’m here to help you do that.

Starla Consulting 8/14/19 Starla Consulting 8/14/19

Your Divorce Playbook: How to Make Smart Financial Moves When It Matters Most

If divorce feels like a high-stakes game, that’s because it is — especially when it comes to your finances.

You don’t get a second chance at dividing assets, securing support, or protecting your long-term financial stability. And while there’s no bracket to fill out, each financial decision you make can lead you closer to a stable future — or take you further away from it.

Let’s break down a few winning plays:

Start with a Full-Court Press
The sooner you gather your financial records — tax returns, bank and retirement statements, debts — the more confident and prepared you’ll feel. Don’t wait until the last minute. Start now. Knowing what you own and what you owe is the foundation of every smart financial decision in divorce.

Avoid the Fairytale Thinking
We all hope things will go smoothly — but hoping isn’t a strategy. Prepare yourself with facts, documents, and clear expectations. Understand the true value of your assets (including the tax consequences) and what you’ll need to feel financially secure moving forward.

Don’t Make a Buzzer-Beater Decision
Quick settlements can lead to long-term regret. Give yourself time and space to evaluate every offer — especially when it comes to retirement accounts, spousal support, or keeping the home. You don’t have to make these decisions alone.

Get the Right Coach in Your Corner
This is where I come in. As a money coach and tax advisor with deep experience in divorce, I help you see the full financial picture. I’ll work with you to avoid costly mistakes, understand your options, and create a plan that supports your life after the divorce.

Because this isn’t just about surviving divorce — it’s about building a strong and confident next chapter.

Disclaimer:

Starla Consulting 3/11/19 Starla Consulting 3/11/19

Mind Over Money: How Mindfulness Can Help You Navigate Divorce with Clarity

It all begins with an idea.

When most people think about managing money, they think about numbers — income, expenses, budgets. But if you’re going through divorce, your financial reality is about so much more than spreadsheets. It’s emotional. It’s personal. And it’s often overwhelming.

That’s why one of the most powerful tools you can use isn’t just financial knowledge — it’s mindfulness.

Mindfulness means being present. It’s the practice of tuning in to your thoughts, emotions, and behaviors without judgment. And when it comes to money, that awareness can be transformative.

Divorce brings with it a flood of financial decisions. Being mindful helps you slow down, get centered, and make choices that support your long-term goals — not your short-term stress. Instead of reacting out of fear or frustration, you respond with intention.

Mindfulness can change the way you budget, too. Instead of seeing a budget as restriction, it becomes a reflection of your values. You learn what truly matters, where your money is going, and where you want it to go.

It can even help in moments of negotiation — whether you’re discussing support, dividing assets, or just trying to communicate calmly with your ex. Being present helps you listen, pause, and respond wisely.

As a money coach and tax advisor, I guide women through this every day — not just with numbers, but with compassion. Because true financial empowerment begins when you understand both your money and your mindset.

You don’t have to go through this alone. I’ll help you stay grounded, make mindful decisions, and take confident steps forward — one moment at a time.

Disclaimer:

Starla Consulting 3/11/19 Starla Consulting 3/11/19

Seven Costly Financial Mistakes Women Make in Divorce — and How to Avoid Them

It all begins with an idea.

Divorce can shake your foundation — emotionally, legally, and financially. Even if you’re the one initiating the process, it’s easy to feel blindsided when money becomes part of the negotiation. And unfortunately, what you don’t know can hurt you.

The good news? With the right support, you can avoid many of the most common — and costly — mistakes. Here’s where to start:

1. Going in Blind
You need a full picture of your finances — everything you own, everything you owe, and what it’s all worth. Gather tax returns, bank and retirement statements, loan balances, and employment benefits. Know what’s titled jointly vs. separately. You can’t make smart decisions without complete information.

2. Assuming You Can Keep the House
It’s emotional — it’s home. But the home comes with real costs: mortgage, taxes, repairs, utilities. If it stretches your budget or drains your savings, it may not be worth it. Don’t sacrifice your financial stability for sentimental reasons.

3. Underestimating the Power of Tax Consequences
A dollar isn’t always a dollar. A $100,000 retirement account and $100,000 in equity aren’t equal once taxes enter the picture. This is where a tax-savvy divorce professional makes a real difference.

4. Letting Emotions Drive Legal Costs
Venting to your attorney or dragging out negotiations to “win” can backfire. Remember — your attorney bills by the hour. Use a therapist for emotional support and a financial expert for the numbers. Keep your legal strategy focused.

5. Settling Without Running the Numbers
Before you sign anything, understand how the settlement will impact your life five years from now. What will your budget look like? Will your income cover your needs? Will you be able to retire? A Certified Divorce Financial Analyst (CDFA®) can help answer those questions.

6. Fighting Over Everything
Litigation is expensive — emotionally and financially. If you can avoid court, do it. Mediation or collaborative divorce can save time, money, and energy — especially if children are involved.

7. Going It Alone
You don’t have to become a financial expert overnight — but you do need guidance. The right support can prevent mistakes that could cost you thousands. My role as a money coach and tax advisor is to help you make smart, informed decisions that protect your future.

You deserve clarity. You deserve peace of mind. And you don’t have to do this alone.

Starla Consulting 3/11/19 Starla Consulting 3/11/19

What Divorcing Parents Need to Know About Taxes and Children

It all begins with an idea.

If you're going through a divorce and have children, taxes might be the last thing on your mind — until they suddenly become a big deal. Who claims the kids? What about the Child Tax Credit? Does “custody” mean you get the tax benefits? It can feel confusing fast.

Here’s what you need to know — and what I help clients walk through all the time.

Head of Household vs. Single
First, if you’re not married on December 31st, your tax filing status becomes either “Single” or “Head of Household.” Head of Household generally gives you a better tax rate and a higher standard deduction — but only one parent can claim it. You must have paid over half the cost of keeping up the home and had your child live with you more than half the year (more nights).

Yes, two parents can each claim Head of Household — but only if you have more than one child and each child lived primarily with one parent.

Claiming the Child Tax Credit
This $2,000 credit goes by default to the parent the child lived with most of the year. But it can be transferred to the other parent using IRS Form 8332 — if both parents agree. That agreement should be clearly written into your divorce documents to avoid future problems.

Why This Matters
The tax savings from Head of Household and Child Tax Credits can be significant. But the rules are strict, and the IRS doesn’t always follow your divorce decree — they follow federal law.

That’s why it’s essential to understand your rights and responsibilities before tax season hits. I can walk you through this and make sure you’re not leaving money on the table — or setting yourself up for IRS issues later.

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