Kerrie Saephanh
Owner & Coach @ Mindful Budgets

I used to think enough money would solve everything.

If I can just get a few more bucks an hour…
If I can just cover my bills this month…
If I can just hit six figures…
… things will finally feel okay.

So I worked hard and kept getting raises and promotions. I earned more and more, but no matter what milestone I hit, it was never enough. I still felt like that poor kid, worried that the money would disappear at any moment.

Eventually 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. To start ignoring all the “shoulds” that people tell you when it comes to managing your money and to start listening to my own gut. And I learned how zero-based budgeting can make that a whole lot easier.

In 2021, I became a YNAB Certified Budget Coach and launched Mindful Budgets. Now I spent my time teaching people how to make budgets that work (not just in theory, but in reality) and change their habits to eliminate stress and find peace with their money.