Money doesn’t have to feel this stressful.
If money feels heavy, confusing, or always just slightly out of reach, it’s not a lack of effort.
​
And if you’re self-employed or running a small business, it makes sense this shows up everywhere, in your business decisions and your personal life.
​
When income is irregular and business and personal money are connected, it’s easy to feel unsure, reactive, or constantly behind. What’s missing isn’t discipline or willpower. It’s a simple system that works for real life.
​
I’m Jessica, a Money Coach who helps people create calm, steady money systems so they can make confident decisions without shame or guesswork.
Jessica Howard, Money Coach
This is what’s really going on
You’re making money, but it doesn’t feel clear or steady.
​
You might be covering your bills and bringing income in, yet still wondering:
-
How much is actually available to spend
-
What needs to be set aside (and for what)
-
Whether you can safely pay yourself
-
Why one unexpected expense can throw everything off
When your income changes month to month and your business and personal finances are connected, money decisions start to feel reactive. You’re not deciding from confidence. You’re deciding from urgency.
​
So you hesitate.
You second-guess.
Or you avoid looking altogether, because it feels easier than facing more uncertainty.
That doesn’t mean you’re bad with money.
It means you’re managing too many moving parts without a clear, repeatable system to support you.
And without that system, even smart, capable people end up feeling behind.
Here’s what actually changes things
This isn’t about being more disciplined.
It’s not about trying harder, tracking every dollar, or “getting better” with money.
Most people struggling with money, especially if self-employed, don’t have a system built for how they actually earn and spend.
​
When income is irregular, timing matters more than totals.
When business and personal money are connected, every decision carries more weight.
And when you don’t have a clear system, even small choices can feel risky.
What creates calm isn’t restriction or perfection.
It’s having a simple, repeatable way to:
-
See what’s actually coming in and going out
-
Understand what your money needs to do next
-
Make decisions based on real information, not fear or guesswork
​
That’s when things start to feel steadier.
Not because your life suddenly gets simpler, but because your money system finally does.
How money coaching with Jessica works
Money coaching isn’t about being told what to do with your money.
It’s about understanding what’s actually happening and having support as you decide what to do next.
Here’s what working together looks like:
​
1. We look at the full picture
We start with what’s real. Your personal finances, your business finances, and how they interact. No judgment, no assumptions, just awareness around what’s coming in, what’s going out, and when it’s happening.
2. We separate emotion from information
Money is emotional. That’s normal. Together, we slow things down so decisions are based on facts instead of stress, urgency, or fear of getting it wrong.
​
3. We build a simple, realistic system
Not a rigid plan or complicated spreadsheet, but a repeatable way to manage your money that fits how you actually earn and spend. Something you can use even when income changes or life gets busy.
​
4. You practice making decisions with support
You don’t just leave with information. You leave knowing how to use it. With guidance and accountability, money decisions start to feel clearer, calmer, and more confident.
This is about progress, not perfection.
And it’s designed to support both your life and your business.
The Step-by-Step Money Reset
Your starting point​
Before you can make confident decisions, plan ahead, or feel steady with money, you need to understand what’s actually happening.
​
That’s what the Step-by-Step Money Reset is for.
​
​This is where guessing stops and informed decisions begin.​
​
The Step-by-Step Money Reset is the foundation of Jessica’s money coaching. It’s designed for people who are tired of reacting to money issues and ready to see the full picture clearly, without overwhelm or shame.
​
​This is especially helpful if you’re self-employed or running a small business, where personal and business money are closely connected and income isn’t always predictable.
During the Money Reset, we look at:
-
What money is coming in (personally and in your business)
-
What money is going out
-
When it’s happening and how timing affects your decisions
From there, we identify simple, realistic shifts around spending, cash flow, and paying yourself, based on what your life and business actually need to support.
​
You leave knowing:
-
What’s truly available to you
-
What needs to be set aside (and why)
-
How to make decisions without constant second-guessing
This isn’t about fixing everything at once.
It’s about creating a solid foundation you can build on with confidence.
​​​
Your next step:
This is what starts to change
When you understand what’s actually happening with your money, things shift, both personally and in your business.
​
On the personal side, you start to feel:
-
Less anxious checking accounts
-
More confident about what you can spend or save
-
Clear on what needs to be set aside, and why
-
Less reactive when something unexpected comes up
And because your personal and business finances are connected, that calm carries over.
In your business, that looks like:
-
Paying yourself with more consistency and confidence
-
Making decisions without constant second-guessing
-
Planning for taxes and expenses instead of scrambling
-
Knowing what your business can realistically support
You’re no longer guessing or hoping it works out.
You’re making decisions based on real information.
Not perfect.
Just steadier, clearer, and more in control.
And that’s what allows your business to support your life, not consume it.
About Money Coach Jessica
I’m Jessica, a Money Coach who helps people feel calmer, clearer, and more in control of their money, especially when income isn’t predictable and personal and business finances overlap.
​
I work with self-employed professionals and small business owners who are doing their best but feel stressed, unsure, or reactive when it comes to money. My approach is practical, judgment-free, and focused on building simple systems you can actually stick to.
I don’t believe most people need more advice. They need support, structure, and someone who understands how real life and real money decisions work.
That’s what money coaching with me is designed to provide.
What Clients Are Saying
Money stress can feel isolating. These are the kinds of things clients share after working together.
Working with Jessica helped me see what was really going on in my finances, both personal and business. I used to think as long as there was money in my account, I was doing fine.
Now I know what I need to pay myself and how to make changes that actually support me.
Rachel, Small Business Owner
Working with Jessica changed how I see money and savings. She didn’t take over or tell me what to do. She believed in me and taught me at my pace. For the first time, I felt capable instead of overwhelmed. Her knowledge, attention to detail, and heart made all the difference.
Deborah, Client
I know where I can reduce my spending to pay down current debt.
The itemization of my spending was enlightening. This makes me feel encouraged.
Janet, Small Business Owner
Ready to stop guessing with your money?
You don’t need to have everything figured out before reaching out.
You don’t need perfect numbers or a clear plan.
The first step is simply a conversation.
In a complimentary 20-minute consultation, we’ll talk through what’s going on with your money, what feels stressful or unclear, and whether money coaching is the right next step for you.
No pressure.
No judgment.
Just a calm place to get oriented and decide what support would actually help.