Why choose us?
Well, we'd love to destroy any of your financial burdens and help you build a path to financial success.
âA goal is a dream with its work boots on.âÂ
- Rachel Hollis -
What are we trying to accomplish?
It is our mission to help you meet your financial goals. Whether that'd be just keeping track and making sure everything is paid on time or that'd be pondering the idea of possibly becoming a millionaire, let us see what we can do to make it happen. We want to provide the resources that are best suitable for you. Would you rather have us create a financial plan for you or would you prefer to gain the necessary financial skills on your own? Perhaps you have a desire for both? We love providing different options that you can benefit from.
So, what is Prosperitt Financial Skills?
We are a small business just looking to help individuals and families with their finances. Whether it'd be doing the work of creating a plan for you for any reason (such as the lack of time to fully optimize a budget, dreadfulness of looking at finances, or you're just uncertain of what to do) or it'd be helping you gain the skills to manage and potentially grow your money on your own, we are here for you.Â
We are not CPA's, financial advisors, nor a debt relief agency. Working in the realm of investments/investment advice, taxes, money accounts, and direct contact with with collectors is not in our interest. We are more in the lines of financial coaching. We want to help you reach your financial goals while leaving the true action of the plans comfortably in your hands. We will provide you with information such as a cash flow, a budget plan, ways you can improve your wealth, and guide you with financial literacy. It is our goal to spread Financial Skills and for you to Prosper-itt (extra t to avoid confusion with information technology I.T.) - doesn't matter if you are novice or an expert (and who knows, we may gain some insight from you too!).Â
What makes us different from everyone else?
Pricing...
We can't quite pinpoint a direct comparison. The closest comparison would be a financial coach. Each financial coach is a little different and they could cost $100-$200 per hour or have a flat rate of something upwards of $5,000!
The next contender would be budgeting apps. Honestly, budgeting apps range from free (with ads, trials, and feature limitations) to around $300 per year ($25 per month). With budgeting apps, you'd still have to put in the work yourself whereas with us we'd be willing to do that for you.
A debt relief program can charge up to 25% of your debt amount. Keep in mind that this is just an alternative route. It is not quite a fair comparison as they may contact and make negotiations with debtors - which is something that we do not provide.Â
Services & products...
We don't use a machine or an automatic system that instantly spits out a generic plan (other than mathematically calculating sums to reduce error). Your financial information is carefully analyzed by a genuine human being. Your goals are taken into consideration when a plan is being created for you. Did you forget an expense that needs to be in your budget? Or perhaps you took on a new debt and need to fit in payments. Have you considered finding a way to afford birthdays and holidays? What about being able to afford vacations and traveling instead of just dreaming about them? If you can communicate these details with us, we can implement them into your budget, even if your budget is already created. We will take the time and effort to modify your budget to meet your most up-to-date needs.Â
Some other considered stuff...
We plan to expand by not only providing a service such as the Budget Creator, but it is our intension to provide products that are intriguing financial courses for all ages that will be a one-time buy and yours to keep forever. We want to provide different options because people have different preferences. Some may want the work done for them (Budget Creator), while others prefer to learn and manage their finances on their own (financial courses), or there may be a few people out there that are looking for a little bit of both. Now, how many businesses out there have options like these?
What got us started...
We've had our own personal experiences with money struggles. We were tired of living paycheck to paycheck just to barely make ends meet. We've learned from first hand experience on how to get out of late payments after late payments, get ahead and payoff debts before the original payoff date (which saved accruing interest), build an emergency fund in case if we ever had a loss of income, start & grow a retirement account, and the importance of setting some money aside for groceries & personal needs (no matter how much we were drowning in bills). We started to grow a passion for budgeting, especially when our finances significantly improved from it. Our passion grew so much, that we began to obsess over it and started to see it as a strategy game. What other ways could we utilize our budget? What are the best ways to optimize the money we have and is there a way we can stretch every dollar out further? We also realized that not everyone has that same passion. Many people out there dread budgeting. Others simply struggle with creating a functional budget, but would appreciate learning how to get started and continue to work with money management on their own. Do you have some of the same or similar pain points? Let's work together and see what we can do to help you out!
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What do we offer?
At the moment, we have a few plan options for the Budget Creator. We are working on some financial courses curated for different age groups. We enjoy providing free advise and stories from our financial experiences in our blogs.Â
Call To ActionWant to get creative with your own finances?
Save this financial planner tool and fill it out digitally. There is the option to print the pages and write it in by hand. Either way, the template is designed to use year after year to get the most out of the free offer (just don't forget to save a copy of an empty template).Â
Disclaimer: This is fillable on most, but not all, devices. This is intended for adults; if this were to have a rating like a movie it'd be around ehhh...PG13. Some areas may contain explicit language.
