Three out of four of our neighbors, friends and family members live paycheck to paycheck. Consumer debt is viewed at its best, as a necessary evil and at its worst, an essential tool to make ends meet. Compass Financial Wellness teaches clients that simple tools like zero-based budgeting, accountability and intentional living builds the path to financial freedom. My coaching sessions are designed to help you define your goals, assess your current situation and arm you with the tools to make your dreams a reality.
Three out of four of our neighbors, friends and family members live paycheck to paycheck. Consumer debt is viewed at its best, as a necessary evil and at its worst, an essential tool to make ends meet. Compass Financial Wellness teaches clients that simple tools like zero-based budgeting, accountability and intentional living builds the path to financial freedom. My coaching sessions are designed to help you define your goals, assess your current situation and arm you with the tools to make your dreams a reality.
Living on a budget will drastically change the way you spend, save and give. Compass Financial Wellness will teach you how to live within your means on a personalized budget. Go from feeling overwhelmed and struggling with your money to in control and stress free.
You may feel embarrassed to talk about your finances, don’t! Through my coaching, you will gain a new perspective and mindset to create healthy financial habits.
This is the key to living debt free! I will teach you how to create a zero-based budget that meets the needs of your family and lifestyle.
I want you to succeed! It is proven that people are more likely to succeed when they have someone to check in on their progress.
Are you tired of living paycheck to paycheck? Do you rob from Peter to pay Paul? Are you sick and tired of being sick and tired?
Why is it every time you think you're about to get ahead something else comes up? Learn how to turn headaches into hiccups.
You've worked hard and stayed on plan. Now, it's time to enjoy all of the things life has to offer...Congratulations you've earned it!
Christine Spiak is the Founder and CEO of Compass Financial Wellness. She is passionate about working with individuals and couples on their journey to financial freedom.
Christine is a Ramsey Solutions Master Financial Coach and has a Bachelors degree in Business Management and Marketing. Her primary focus is teaching people how to be financially responsible and eliminate debt. Christine is also a Financial Peace University Coordinator.
In addition to being dedicated to her work, she enjoys spending time with her husband, daughter and dog. She also enjoys cooking, reading and maintaining an active lifestyle.
I have been fortunate to work with some truly wonderful people. Please take a moment to read what they have to say about their experience with me.
I have been fortunate to work with some truly wonderful people. Please take a moment to read what they have to say about their experience with me.
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"...Thank you Christine for your smart financial planning and helpful tips to get the ball rolling. Your scheduled meetings and answering all of our questions helped to guide us towards financial freedom!!”
“Christine Spiak has inspired me to be intentional with every dollar. She is the spark that motivates me to strive towards a debt free life and has helped me to create a plan for a great financial future...”
"...I am so grateful to Christine for all of her guidance. If you want to start living a more intentional way of life and want financial independence, start with Christine Spiak..."
We have been fortunate to work with some truly wonderful people. Please take a moment to read what they have to say about theer experience with us.
We have been fortunate to work with some truly wonderful people. Please take a moment to read what they have to say about theer experience with us.
We have been fortunate to work with some truly wonderful people. Please take a moment to read what they have to say about theer experience with us.
Financial Coaching is an investment in you. It is an investment in your future and your family. You’ll receive a customized plan to get out of debt and live within your means. You’ll have a coach who holds you accountable and helps you stay on track.
Both spouses must commit to and attend all coaching sessions. Explain to your spouse why getting your finances in order is important to you. Share the reasons why you think your family could benefit from hiring a Financial Coach. We will work with you both so you are both on the same page and develop a plan together that suits your family’s needs.
No! It is never too late to start. The saying “you can’t teach an old dog new tricks” isn’t true. If you are committed to making a change in your life, and you seek out the tools and guidance to do so, then you will be successful!
Having debt and living above your means may seem normal, but is it how you want to live your life? Living a debt free lifestyle puts you in control. Lenders and credit card companies are no longer telling you how and when to spend your money. Saving for emergencies, retirement and your children’s college savings puts you in control, and gives you the stability your family needs to live with financial freedom.
Companies are in business to make money. So how are they making money on 0% loans? There are two ways: 1) It is built into the cost of the item…meaning the item costs more to buy at a 0% interest rate. 2) Most people do not pay off the loan within the terms of the interest free financing. This means the consumer is required to pay interest on the loan and in most cases the interest goes back to the inception of the loan. So the 0% interest loan that you thought was such a good deal, can turn out to be a costly mistake.
Compound interest. If you are aggressive in paying off your loans, you’ll have more disposable income to spend how you want. Compound interest also makes your loans continue to grow even as you are paying them off. Consider this…If you invest $200 a month from age 21 – 30, which is equal to a total investment of $21,600, at age 67, you will have $2,547,150. If you wait until age 30 to start investing that same $200 a month, however, you continue to invest it each month until age 67, you will have $1,483,033. Not only do you have less money in retirement, your total investment was higher at $91,200.