Transform your Money.
Transform your Life.
Hey There! My name is Jill and I have been financially empowering women since 2018.❤️
No seminars, no workbooks, no chatbots, no pre-recorded, regurgitated money advice that gets you NOWHERE...
Better Money Days is a path to change guided by a real financial professional where honest conversations are relevant and empathetic to YOUR money life.
Money Guidance = 💵(financial planning + coaching)
Here is our 6 Month Journey
(all are Google Meet except #3)-
- ⭐Your Money Life Session (1.5 hrs.)-we collect all the information that represents your financial picture & discuss what money troubles💰have brought you to seek Money Guidance.
- 🗺️Clarity Page + Money Map Session (1 hr.) - with clarity of your money life as a visual guide we can better strategize on solving what's keeping you up at night in this conversation.
- 🍒Quick Wins Check-In (30 min.)-it's month 2 and we discuss items on your Money Map that were easy and impactful to accomplish. Let's brainstorm any challenges that came up.
- 📋Your first Empowerment Session (1 hr.) starts in month 3 and we stay focused on your money troubles💰while tackling all the holes in your financial plan. You get an action sheet of 2-3 items from our discussion.
-
🪩Empowerment Sessions (1 hr.) continue in months 4-6 and you can look forward to sighs of relief and living better money days.
Small actions lead to big change.
Money Troubles💰
Below are the most common money troubles💰:
- Debt can be overwhelming whether its from credit cards, student loans, or personal loans. And Fresh Debt with its killer interest rates now feels even more burdensome with inflation. Is there a way out? YES!
- Not Enough Spending Money after all of your fixed expenses is an uncomfortable reality. Household money can't be stretched any further for groceries, clothes or weekend trips. Where is the easy button for negotiating what is affordable for your family's needs?
- Little to No Saving for Emergency or Retirement may be a scary feeling keeping you up at night. You're certainly not alone and this can be tricky if you're squeezed. But getting started little by little is a better plan than using credit cards when the 💩 hits the fan.
Empowerment
No matter your starting point, you will be encouraged & successful.
Personalized Guidance
Made for you Money Guidance is both art and skill. You are unique.
Momentum
Small actions over time leads to big changes in your money life.
Unlimited Caring
I understand how challenging money is and I am am here for YOU!
WHAT's The Secret Sauce to Better Money Days?
✨Being curious & open to seeing new ways to consciously spend & save money on what you value
✨Completing your action items
The Big Picture
Start Here!
What is Money Guidance💵 (and how is it personalized for me)?
Money guidance💵 is a combination of financial planning and coaching to move you to a better life with money. Financial planning-at Better Money Days-is the awareness of your foundational money life and what you may want to holistically consider to improve it. Improvements I determine may be specific to savings targets, debt repayment, insurance, and light estate and tax planning recommendations. Obviously, I educate and make it simple for you to make those changes in your life. The whole thing is incredibly personal, that's what makes the actionable items I suggest important FOR YOU. The coaching is to address what stresses you and brought you to Better Money Days.
Are money troubles💰 the only reason I can seek Money Guidance or help from Better Money Days?
Absolutely not! Besides debt, lack of spending money to make life joyful, or inability to save...many people come to Money Guidance💵 for other reasons. Sometimes newly single women who have relied on a partner for money decisions, now find they need education and help to understand their money lives. Or sometimes you just can't make sense of financial planning decisions such as 1>how much term life insurance to buy-if any, 2>whether to chose the PPO or high-deductible health insurance, and 3>do I really need home appliance or pet insurance, etc.? I encourage you to have a Coffee Chat☕ with me to understand how I may or may not meet be able to meet your expectations. If you have a complicated financial picture, I may recommend other types of advice.
Do I get any materials from the Money Guidance💵 program?
Absolutely! In the first month you will receive a Clarity Page and a Money Map which you can print out and put where you will visually refer to it often. These represent a simple and empowering approach to creating Better Money Days in your life. Secondly, you will receive a simple write up of your Empowerment Sessions🪩 (occurs every month or two) that are action items and ideas based on your Money Map. Depending on your personalized Money Map you may get other tools such as a Beautiful Spending Plan-an excel I created-if that will help you reach your goals.
Do you provide investing advice?
As a previous Financial Advisor at the largest brokerage firm in America, and as a previous Registered Investment Advisor of my own firm, I've learned that responsible advice for long- term successful investing is both boring and simple (in a good way😁). The hard part is saving the money to invest and that's where Money Guidance💵 comes in. For the women I work with at Better Money Days, maxing out their 401k/work retirement plan and IRA in target date funds is an incredible accomplishment. Additionally, those who provide investment advice must be registered with FINRA, a regulatory agency, and I am not.
What happens if I cannot attend my scheduled session?
Also, do you have extended and weekend hours?
How long does it take to have Better Money Days?
Because the time you scheduled is set aside specifically for you, it's important to reschedule within 48 hrs. of your appointment-please email me at bettermoneydays@gmail.com (unfortunately Calendly is not setup to accommodate rescheduling time constraints). This frees up that appointment for another client and preparation time by Jill. If you need to reschedule on short notice, also email me and I am happy to reschedule you with a $50 no-guilt ☮️ charge (emergencies incur no charge).
You are hard working women and so I have created hours that I believe are the best for most of you😉. Thursday and Friday afternoons/evenings and Saturday and Sunday mornings/early afternoon. Yahoo!🌟
Better money days are likely to happen after month 2 when you start the actions from Money Map. This is because you are moving forward to a new future. But to relieve money troubles💰 is typically a process of transformation of thinking, actions and time. Which is a great place to be!
After Money Guidance💵 ends, what's next in my money journey?
After 6 months you will certainly have created positive change in your money life. So I would simply trust your intuition. I am open to continuing to have empowering conversations with you BUT equally excited to see you fly! I DO have some very long-term clients that utilize me as a resource for financial decisions as their lives continue to evolve and grow. I also have some clients that simple needed some clarity, education, guidance or perhaps simply a friendly money mentor and cheerleader📣.
If you do wish to continue we will update your Clarity Page and Money Map as one of your next six sessions (a commitment of $125/month or $750 total), please use the Welcome Back💐 Annual Plan link near the bottom of this web page.
I don't do one-off sessions any longer because I have found that so much in your money life has changed that I can't work accurately in the 1 hour time frame we have. I apologize for this inconvenience. However, I retain your confidential information if you ever wish to return to Empowerment Sessions🪩 ; but if too much time passes, we may need to restart at Money Guidance💵.
The Granular
If not answered here, Jill is happy to answer during your Coffee Chat☕
How often are Empowerment Sessions🪩?
While we do need to create momentum in your actionable Money Map, you can choose how fast or slow you want to progress. You will be sent a scheduling link soon after your last Empowerment Session🪩. From there I encourage you to schedule and attend within 30 days. And if an emergency arises that precludes you from meeting, we will work together to extend the Money Guidance💵 program. I want to see you succeed!
Who do you work with at Better Money Days?
After several years of financial planning for everyone, I determined my life mission and joy is working with women who are navigating their money lives solo. In particular, I am highly skilled with the sadness and difficulties facing widows and divorcees that are sorting their money lives for themselves, children and pets. I especially welcome them to my practice! 💖
Do you have any affiliations with any financial service providers or companies?
No, I am conflict-free. Because clients may not know where to find a reputable product or service I typically provide 2-3 examples. I get no kick-backs from the companies I list, they are starting points for your discovery. My only vested interest is YOU🫶🏼!
I am neurodivergent, do you have any specialized training to work with me effectively?
Short answer: No. However, I am happy to offer extra time for whatever you may need. I also can explain things differently or spend more or less time on certain financial planning topics. If you are open to indicating how I can provide accommodations, I will do my best!🕊️
If life throws me a curve ball, can I get a refund?
Well, there is no refund for the initial $475 because of the work I do to meet with you and assemble your Clarity Page and Money Map. However, if you contact me at least 2 days before our VERY FIRST conversation, then I can refund the $475. Also, if you feel after that initial 3 months ($475) that you have accomplished your goals or life has thrown you a curve ball⚾, just let me know and we can end Money Guidance💵 3 months early (but I will miss you!)
Why do you charge for your Coffee Chat☕?
And are our financial conversations confidential and secure?
Money loss is something that everyone dislikes. By charging even a nominal amount, you will be more likely to show-up at your session despite fear or procrastination of your money troubles💰.
Yes and Yes! While I don't collect any sensitive personal or account information, your data is secured in a variety of ways, which includes a protective Doberman pinscher🐕🦺!
Let's hear from some women just like YOU!
Returning client?
Welcome back💐
To contact Jill, email her at bettermoneydays@gmail.com
(swifter response occurs Thursday-Sunday😉)
Jill Kismet chose her credentials to have comprehensive financial planning knowledge (Certificate in Financial Planning, Pepperdine University), more detailed understanding of retirement (CRPC®=Chartered Retirement Planning Counselor), and how behavioral psychology impacts money decisions (ABFP®=Accredited Behavioral Finance Professional). Jill is a dog mom🐕, outdoor enthusiast🌄, thrives financially solo 👛and lives in Arizona🌵.