Hi! I’m Julia – I’m glad you stopped by! My goal is to take the shame and embarrassment out of money conversations. Talking about personal finance should be as easy as talking to a friend over morning coffee; hence, Money Over Coffee! So, grab that latte and let’s talk!
As a Bank Manager and horse owner, I see both sides of the coin. I see the struggles of living paycheck to paycheck, living in the red, and finding creative ways to make a little extra cash. I also see those that can afford to live lavishly, spend extravagantly, and never have to stress about how to pay the mortgage that month.
I have spent all of my adult life trying to find balance between being a serial-saver and wanting to buy *all the things* for my horses. I’m hoping to share what I’ve learned, help those of you looking for a place to start, and help those of you looking to claw your way out of debt and take control of your money once and for all!