Living as an ex-pat comes with unique opportunities and challenges. A solid financial foundation helps you take advantage of the adventures of living overseas and alleviates the stress.
As a certified YNAB coach, I am an expert in helping you create a budget that will work for your life as an ex-pat. So go on that trip and experience all this crazy life has to offer. Don't worry; the bills will be covered!
As your YNAB coach, I'll be with you every step of the way as we set up your new budget and you learn how to take control of your financial future.
Take Control of Your Cashflow
Let's look at where you are spending your money and work towards being more intentional and reaching your goals.
Home leave on your horizon? We will make a plan now for big expenses and get you off of the financial roller coaster.
Reduce Debt and Increase Savings
Are you carrying debt? We will strategize a debt paydown plan for credit cards, student loans, etc.
Heather recommended YNAB to me and helped me set up my budget. She patiently guided me through the first few months and answered all my questions. Using YNAB changed my life
for the better.
Annie and Jason
YNAB seriously saved us and has put us ahead of the curve financially and keeps us honest as a couple where we spend money. It is the best.
Travel is a huge priority for me. Heather and I strategized to make sure I could have epic adventures while still keeping the lights on!
YNAB is the best method and tool for creating and maintaining your DiploBudget overseas and at home. YNAB helps you make decisions about the money you have right now and what it needs to do, uses robust targets to plan for your expenses and goals, and provides insightful reports about where your money went to make informed decisions.
YNAB’s flexibility works with multiple currencies, shifts in exchange rates, variable income, and unexpected expenses (evacuation from post, anyone?). I will share the proven methods I have discovered for using YNAB while serving at an overseas post and back in the United States.
Hi. I’m Heather. While I’ve never been terrible with money, I have always had underlying stress.
Moving around the world added to my anxiety. I juggled multiple currencies, paid foreign transaction fees, was surprised by expenses unique to our post, and worried about paying for home leave. Increased travel expenses included the exciting destinations that abounded at each post. We also traveled home to support aging parents and share pivotal life events with friends and family.
Finally, I knew I needed to take control of our financial situation, and I turned to YNAB. I’m not going to lie; the first few months were rough. I was overwhelmed when our true financial picture emerged.
Within a few months, I had a different relationship with money. I felt empowered by the clarity and control YNAB provides. Instead of paying bills for my past decisions, I started directing our money towards our priorities and goals. Once that happened, our family gained so much peace around money. Truly a gift when our lifestyle has enough stress!
I became a certified YNAB coach to share my experience using YNAB to budget while in the Foreign Service, living as an ex-pat, teaching internationally, or traveling abroad.
Having a solid budget changed my family’s financial situation for the better- our financial security allowed us to enjoy the adventure and weather the challenges of living abroad. Let me help you have the same experience.
DISCLAIMER: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met the select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB-related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.