Get Started Here:
Contact Us
Email: kim@beknotafraid.net
Phone: 734-765-7288
Hours of Operation
Mon & Thurs: 7:30am to 3:30pm CST
Friday: 10:00am to 2:30pm CST
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Are You Ready?
Are you ready to finally accomplish those financial dreams?
Are you ready to punch fear in the face and untie the financial knots in your life? Are you ready to finally achieve peace around your finances?
Let's Make This Happen Together!
60 Minute Discovery Session
(by online meeting.)
This is where I learn about you, your dreams and the knots in your life.
Like all good coaches, we glance back at what happened,
but then focus on the future and begin to develop a plan of action to achieve your goals
Includes a $25 Booking Fee.
Pricing
Granny Knot
Maintenance Package - Only Available After 6 Months
$
149
Per Month for Individuals
$99/Month for Group Sessions
Online Meetings $149/mo individual session or $99 per month for Group Coaching
$99/Month for Group Sessions
Online Meetings $149/mo individual session or $99 per month for Group Coaching
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Accountability
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Monthly Budget Review
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Phone, e-mail, and text correspondence
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Portal with Coach Accountable™
Coaching/budgeting Sessions
1x 60-minute individual session per month or Join Group Coaching 2x 60 Minute group sessions per month
1x 60-minute individual session per month or Join Group Coaching 2x 60 Minute group sessions per month
Square Knot
You have mostly W-2 income.
$
299
Per Month - Online Meetings
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Financial Literacy Learn to Budget
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Monthly Budget Review
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Phone, e-mail, and text correspondence
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Awareness Budget
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Establishing Good Money Habits
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Portal with Coach Accountable™
Sign Up
Coaching/budgeting Sessions
2x 60-minute individual sessions per month
2x 60-minute individual sessions per month
Clove Hitch
You have mostly 1099 income.
$
399
Per Month - Online Meetings
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Financial Literacy Learn to Budget (Personal AND Business!)
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Monthly Budget Review
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Phone, e-mail, and text correspondence
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Awareness Budget
-
Setting Aside Taxes
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Portal with Coach Accountable™
Sign Up
Coaching/budgeting Sessions
3x 60-minute individual sessions per month
3x 60-minute individual sessions per month
Monkey Fist Knot
Current income doesn’t support basic bills.
End of the Month Billing or
Sliding Scale
Online Meetings
Sliding Scale
Online Meetings
-
Financial Literacy Learn to Budget
-
Monthly Budget Review
-
Phone, e-mail, and text correspondence
-
Awareness Budget
-
Establishing Good Money Habits
-
Portal with Coach Accountable™
-
End of Month Billing
Coaching/budgeting Sessions
2x 60-minute individual sessions per month
2x 60-minute individual sessions per month
Cancellation Policy: Cancel Anytime!
What is...
We will help you craft a budget that works and sticks to the Dave Ramsey Baby Steps. You can opt for Every Dollar (TM) or YNAB (TM). We will also teach you how to create and use sinking funds, and “find” money in your budget to put towards debt or a savings goal. The budget will be the focus of most of the coaching sessions.
I will review your monthly budget & reconciliation either via e-mail or during the coaching sessions. The benefits are accountability and finding extra monies in your budget to apply to your savings/debt goals.
Phone calls, e-mail, and text correspondence is unlimited and done on an as needed basis.
A good budget starts with awareness. Understanding how much you are spending now is the easiest way to see what can be changed and which items you want to keep in your budget.
An online account that will help you stay on track and make communication easier between us in the middle of the month. I will be assigning tasks for you to do and tracking your progress.
End of the Month Billing: We bill you at the end of the first month of coaching, in nearly all cases we can get the expenses down so that you can fit coaching into your budget. If your income does not support the cost and we can’t cut spending, we do have a sliding scale to fit coaching into any plan.
Recommended Resources
These are resources and tools that we have personal experience with and recommend. Depending on the resource, we may earn commissions if you sign up for them through our links here.
YNAB (Why You Need a Budget)
One of the best personal accounting and budgeting tools around. Simple and effective.
Fitness Bank
Banking that gives you bonuses and better interest rates for keeping yourself healthy.
Use the Promo Code “bonusKimberleyDemarest”
Mint Mobile
Really affordable mobile phone service, a great place to save dollars in your budget.
Catholic Life Coaches
A strong resource for coaching that is aligned with the Catholic Church.
Recommended Books
Disclaimer: These are affiliate links, and I will earn a small commission should you choose to purchase these books through these links.
Willpower Instinct
by Kelly McGongial
How this helps with your money: Oftentimes our hormones and primal brains are exerting control with spending. This books helps to work with your hormones and brain so that you can control your spending.
Total Money Makeover
by Dave Ramsey
How this helps with your money: Dave Ramsey lays out a plan to get out of debt and never go back. It is broken down into the baby steps. This is what I used personally to get out of debt and now live that debt free life!
Profit First
by Michael Michalowicz
How this helps with your business money: Many folks have small business and a fluctuating income to their personal finances or no income because they are putting it all back into the business. This helps organize the business monies so that you have money to transfer to your personal account.
Atomic Habits
by James Clear
How this helps with your money: Establishing healthy money habits is the number one way to improve your personal finances. Everyone has learned a healthy habit—brushing their teeth. Now even if life is crazy and everyone has this habit so well ingrained that they do it anyway. That is the goal with healthy money habits and James can help you start by establishing small habits.
It Starts With Food
by Dallas and Melissa Hartwig
How this helps with your money: Eating healthy food and being active can prevent bigger medical bills in the future. It's like choosing to pay now or paying more later.
Testimonials
Bryce Cobb III
2023-02-17
Kimberley has helped me shift my mindset around money! She is thoughtful and patient as she helps you learn to use the tools to track your budgeting. Digging out of debt and towards a life of financial empowerment can be a scary journey and I’m glad I don’t have to go it alone. Who better to learn from than someone who is on the other side?? 10 stars ⭐️
Mary Ceccanese
2021-08-26
I have been working with Kimberley for almost a year now, and I am thrilled about how I have been able to organize my finances. I was living below my means but didn't have any structure.
Kimberley helped me organize all my categories and had me consider what I truly wanted to achieve. I never thought this humanly possible but my mortgage is almost paid off. I thought I would be paying on it for another 11 years, but with Kimberley's help I have been able to pay down the principal significantly. I will always be grateful to her for being such a caring and helpful person. Thanks, Kimberley, ever so much!
Zach Frenette
2021-05-24
My wife and I just graduated from Kim's Finacial coaching. She was patient, well-educated and extremely helpful. I recently quit my job to go to go to graduate school, and Kim aided us in navigating this large financial transition. We now have a much better grasp upon our spendings and savings. Would highly recommend!
Rachel West
2021-05-20
Kimberly is an incredible financial coach! I have a very inconsistent income and was able to do the following:
- make both a business and personal budget
- get out of debt
- budget in a way that works for my unique lifestyle and job!
I can’t imagine where I’d be without Kimberly’s help. She’s a very real and down to earth person and overall great to work with.
Bryan Thomas
2020-11-17
Once Kim shows you how create a budget customized to your needs it is amazing how money related stresses are reduced. Working toward financial goals becomes easier. In my case I want to be able to retire without financial worries. Thank You KIM
Melissa Coleman
2020-11-04
Kim from Be Knot Afraid Financial Coaching is an amazing coach. She helped us learn how to create a more effective budget, think before making purchases and to not charge or incur more debt. Kim is real and keeps it real and tells us like it is, which we definitely needed sometimes :). She encourages using cash for groceries, gas, spending money, etc. to avoid over spending using your debit card. She helped us to be more focused on paying down our debt. Kim is in our heads when we think about making a purchase, do we need it or do we want it? Do we want to spend money on this item or pay down debt? She also really helped us through Covid when my husband was laid off. We were able to work with her weekly to go over our finances and she helped us come out ahead and not behind. My husband and I got along so great with Kim and we continue to keep in touch as we work towards becoming debt free. Thank you Kim for all you do! You're an awesome coach.
Janelle Mirch
2020-10-17
I was extremely skeptical when first reaching out for help with my finances. My sister and her husband had referred me to Kim after having much success on their own and knowing that I needed ALOT of guidance. Kim eased me into the process which I appreciated. I have paid off just under $40,000 in credit card debt and do not feel like I have had to sacrifice things that I love to do. I am now learning new ways to tackle my student loan debt and although I still have a long road ahead of me, Kim has helped me develop a plan that makes me feel motivated and stress free about this big task. Honestly, I feel this leap of faith was life changing and recommend Kim as a financial coach to anyone and everyone!!!
Marzen Baldonado
2020-10-15
My wife and I have been working with Kimberly since May 2020 and since then we’ve accomplished the following:
1. Paid off all our credit card debt ($18K)
2. About to pay off my wife’s student loan ($8K)
We’re on track to pay off our mortgage in 6 years ($200K).
Having her as a financial coach is the best money ($50/month) I’ve spent!
Highly, highly, highly recommend her!!!!!!!
alison Baldoando
2020-10-14
Kimberly saved our marriage! My husband and I have different views of finances. I think money grows on trees and he thinks it does not. I’m never worried about money, he always is... you get the picture. Being with Kimberly week over week has given him the freedom and peace of mind and me the freedom to spend money on the things I want, as long as it’s in the budget. We’ve paid off nearly $18,000 in debt since May and it always feels like we have an abundance of money.
Also, in this time I chose to write and publish a book, I hires a business coach and illustrators and Kimberly supported me in all those conversations and making financing the book a priority. Now I’ve published a book and have $0 debt from this new business!
Tracy McKellar-Jenish
2020-10-14
We were clueless about creating a budget and sticking to it! Kim helped us first look at where all our money was going. Those first few sessions were hard - difficult to face our random spending that was causing us to accumulate debt. After just a few meetings we were feeling better, digging out and learning how to manage our paychecks. She has taught us how to talk to each other about spending and saving to avoid fighting about it. (Kim is a great mediator too!) Now we are on track with a budget, we have an emergency fund, the debt is decreasing and we can handle ups and downs in income and unexpected expenses. We highly recommend working with Kim to be smarter with your money!