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Financial Wellness: Services

Hi there and welcome to this page!

I'm Tosha...a self-proclaimed foodie-fattie who has a an undeniable affinity for traveling. So much so that I decided to ditch debt to start traveling as much as 1x a month! Once I accomplished this goal I was met with a strong desire to teach others how to achieve their financial goals. So, I created a 4-part course entitled, Becoming Financially Lean to teach you the very strategies I used to pay off $93k in debt and save a 9-month emergency account in just under 2.5 years! 

I want you to realize that you are not the only one with debt, the only one who does not understand how money works or the one who just cannot get ahead. 

In fact here are some statistics...

According to a 2017 study conducted by CareerBuilder, nearly 80% of Americans live paycheck to paycheck, irrespective of income level. 


Further findings from the study revealed that:​

  • more than 1 in 4 workers do not set aside ANY savings each month 

  • nearly 3 in 4 workers say they are in debt and more than half see no hope for their future 


Debt problems, not saving for the future and making ends meet are not exclusive problems for the low-income.

These findings are a disturbing reality and are why I am passionate about leading all those whose paths I cross to to a better future through our Financial Wellness program. The program is designed to provide you and your family the education, tools and support needed to sustain improved behaviors while making a positive impact on your family tree. 

Whatever you decide,  my friend, I am rooting for you!

~with love n' hope, Tosha​​


Becoming Financially Lean Course Information


​Course benefits:

  • Improved financial literacy to ensure you change your family's tree from the start

  • Budget template to help you make a plan for your money

  • Interactive debt tracker so that you can track your progress

  • A step-by-step instructional workbook with tools designed to help you with everything from identifying the root cause of why you mismanage your personal finances to guiding you to create sustainable behavioral changes

  • Encouragement and empowerment e-mails to help motivate you along the way 

This course is for individuals who:

  • Do not know how to make a zero-based budget but are ready to learn how

  • Tired of living paycheck to paycheck

  • Have debt that they do not know how to payoff 

  • Are ready to build a better financial future so they can live life on their own terms

  • Can access a computer to view and complete the accompanying workbook and print off budget template


  1. Finding Your Why

  2. Budget Curation and Debt Snowball 

  3. Creating S.M.A.R.T. Financial Goals

  4. Implementation Plan 

  • YouTube

At this time our Becoming Financially Lean course does not include information on credit building. 

To help keep you on track with your finances, each year I created a Yearly Personal Expenses and Checklist!

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