Coaching Program

Tired of living paycheck-to-paycheck and ready to finally feel in control of your spending?.

My work is designed for anyone who want to stop stressing about money and start building a plan they actually trust.

Explore your options below ↓

90 Day Money Shift

Build a spending plan that fits your life and learn how to adjust it when life changes.

A personalized 1:1 financial coaching program for Gen Xers and older Millennials who want to manage their money with greater clarity and confidence. Over ten private sessions, we'll combine practical money management with an understanding of your financial habits, beliefs, and priorities to create a flexible system that works for you not against you.

Free Consultation

Are you a small business owner?

Do you also run a small business practice? I work with self-employed folx and solo-preneurs who are managing personal and business budgets. Or maybe you need to set up your budgets for the first time. Setting up a clear separation between your personal and business finances is one of the most clarifying things you can do for both. We can use a session to set up a simple, workable business budget alongside your personal spending plan so you stop guessing what you can actually pay yourself and start making decisions with confidence.

  • "I chose Litsa DeJulio from YNAB's list of consultants because of her focus on helping single adults through life transitions.  I was newly divorced after a 24 year marriage.  During the marriage my then-spouse and I made many money mistakes, and skated on the edge of bankruptcy repeatedly.  We ignorantly undertook a subprime mortgage in 2003 and had to pay $8,000 to sell the property in 2012.  Over the years I liquidated my retirement to keep us afloat.  Coming out of the marriage in 2025 I was broke, had no money skills and was terrified.  Litsa helped me learn how to use YNAB's tools to gain control and understanding of my spending, and begin to plan for a stable financial future.  What little financial security I now have is due in large part to Litsa's compassionate, nonjudgmental coaching in how to use YNAB.  I know it will take time to get on my feet financially, and I may never be able to retire, but I am not bouncing checks, I have very little debt, a small savings, and my bills are all paid on time.  And maybe most significantly, I am no longer ashamed of my mistakes. I did the best I could with what I knew, and now I know better.  Thank you, Litsa."

    — Jane

  • “Litsa not only helps me with my budget; we also work on my big picture goals. I'm learning to build my savings and tackle my debt. She holds me accountable and doesn't judge."

    — Gabi

Seal with the words "We Need a Budget Certified Coach" surrounding a tree with a Y-shaped trunk

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 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 its affiliates.

I am not a licensed CPA or financial advisor, and I am not providing therapy or mental health treatment. The content on this site and my coaching services are for informational and educational purposes only and should not be considered professional tax, financial planning, or mental health advice. My coaching services are distinct from the practice of psychotherapy or clinical social work. The opinions expressed here are my own and do not reflect those of any current or former employer, or affiliated organizations. See Terms & Conditions for more information.