"Paying myself a regular amount has allowed me to know how much money I have available. This is
very empowering and real. I was using my business account as my ATM and was not able to put
anything aside.  I now have a savings account for my business where I put 10% of my earnings from coaching and am using that money to pay off my taxes --- instead of being caught every quarter. It's working!" C.M. -- California

"Excellent seminar; very eye opening!!! Thanks!" K.P. -- Ohio

"Thank you so much for putting so much time and energy into our group!  I learned so much, and I am already seeing the benefits of budgeting!" T.O. -- Oregon

"We had been trying all of these things at one time or another, but never in such an organized fashion.  Working with Sharman really helped us understand how to best use these tools in our situation, and
how to stay on top of it all.  Thanks Sharman!" L.R. -- Minnesota

"God bless you!  I really appreciate your help, encouragement, and guidance that you have given me
in that short unexpected call.  I didn't really know what to expect when I called you, but it seemed like a heaven sent situation.  I was really starting to feel at my very lowest, and the simple call to you was a wake up call.  I will surely purchase your book."  G.P. -- Georgia

"Thank you so much Sharman for this new start. We are energized and completely on  a mission."
V.P. -- Massachusetts

"We can't tell you how much we appreciate your financial coaching.  After really looking at our financial situation with you, we realized just how over-extended we were.  We sold our overpriced and too high payment condo (it was almost $1,700 a month), and moved to the country house that is $800 a month.  We are now both retired and enjoying the simple life.  We  wouldn't have changed our lives without you helping us realize where our money was going in the first place. We let trying to live over our financial means steal away our peace of mind.  We can never thank you enough."  P.M. -- Georgia.

"I just want to tell you how much I've appreciated your counsel on the envelope system, and the entire conversion process.  As you know I am going on a mission trip to Mexico June through August.  The timeliness of this discipline not only helped me prepare for my financial planning for this trip, but overall peace in my life." K.P. -- Arizona

"Things are much better.  We are slowly but surely reversing our situation. I want to thank you again for your suggestions and most of all your prayers." L.W. -- South Carolina