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About Me

Hi, I’m Kerrie! I provide one-on-one financial coaching to help individuals and families pay off debt, build a budget that works for them, and achieve their financial goals

My Approach To Coaching

What you can expect when working with me

1. Budgeting brings clarity, and clarity brings peace.

I believe in the power of budgets ’round here. My primary method of finding peace and clarity with your money starts and ends with building a budget that is flexible, fun, and meets you exactly where you are. YNAB is my fav!

2. No judgement and no “one size fits all” solutions.

This is a safe space. Your goals and dreams won’t be judged, and no problems are too small. What works for you might go against conventional financial advice, and that’s okay (I won’t tell).

3. No shortcuts.

You might have heard this saying before: “You get out of this what you put into it.” The journey of learning a new skill or mindset can be tough. But if you commit to the process (and check your budget consistently), you’ll be amazed at what’s possible for you.

4. You can have anything you want, but you can’t have everything you want.

Not all at once, anyway! It’s all about priorities. Our time and money are limited resources, so let’s make sure we’re prioritizing the things that are truly the most important to you.

Accountability for real results

Learn how coaching can help you achieve your goals

Headshot of Kerrie Saephanh

Kerrie Saephanh
Owner & Coach


Hey, I’m Kerrie. I’m a finance coach who knows what it’s like to grow up in a low-income immigrant household, surviving on government assistance and credit card debt. There was never enough money, and it was terrifying.

This manifested in me being extra frugal. I hoarded money and hated parting with it, even if it was for something “good” like investing. I was finally making decent money, and still felt like it was never enough.

This is when I realized that more money wouldn’t solve my problem — no amount would ever be enough. This is when the real work started. The work to unlearn the scarcity mindset and fear I had around money. To let myself buy something purely for joy, without shame coming along for the ride. To learn what my values were, and how align them with my financial goals.

After a decade of trying to manage my money, I found zero-based budgeting and everything changed. I felt my stress melt away once I knew that my budget could flex and change along with my priorities in life. After years of spending nights and weekends teaching people how to budget, I decided to do this for real. In 2021, I became a YNAB Certified Budget Coach and launched Mindful Budgets. I feel so lucky that I can spend my days doing something I’m passionate about — helping people build budgets that will bring them peace with their money.

YNAB Certified Budget Coach logo
Kerrie is proud to be a

YNAB Certified Budget Coach

Ready to find financial freedom?

Book your free 30-minute Q&A call to see if coaching with us is right for you!