How is working with BudgetHawk different from a budgeting app?

Apps give you data. I give you a plan and make sure you stick to it. I review your numbers every week, call out what's off, and adjust your strategy when life happens. An app won't hold you accountable. I will.

How fast can I see results working with a personal finance coach?

Most clients find $300 to $800 a month they didn't realize they were losing in the first 30 days. For debt payoff, it depends on your balance and income. I build the exact timeline in our first session so you're never guessing.

I have a lot of debt. Is it too late or too much to work with a coach?

That's exactly who I do this for. The clients who get the most out of coaching are the ones in the deepest holes. The system matters most when the margin is thin. I've seen six-figure consumer debt situations turn around. Don't count yourself out before we even talk.

What happens on the free discovery call?

It's 30 minutes, just us. I ask about your income, your debts, your spending, and what you want to change. I tell you what I see and what I'd do about it. If working together makes sense, I'll walk you through what that looks like. No pressure either way.

Personal Finance Coach for Young Adults

You Need a Coach,
Not Another App.

Q: Do you need access to my bank accounts?

Never. I work with the numbers you share with me directly. No login credentials, no read-only access required. Just honest numbers so I can build an honest plan.

Q: I've tried budgeting before and failed. Why would working with BudgetHawk be different?

Because before, you were doing it alone. Everyone who has actually changed their financial situation had two things: a real system and someone enforcing it. You've had neither. That's not failure. That's just the wrong setup. This changes the setup.

I'll build your budget, design your debt-payoff plan, and check in with you every single week. Until you're not living paycheck to paycheck anymore.

Claim Your Free Spot See My Debt Payoff Date →

30 minutes. No pressure. No pitch. Just real answers about your situation.

$300–$800 avg. monthly cash flow I recover for clients in 30 days

87% of my clients eliminate credit card debt within 18 months

Week 1 you walk away with a working budget and a payoff roadmap

I Know Exactly
What's Keeping You Stuck

It's not that you're irresponsible. Nobody ever taught you how to run your money, and the tools you've tried were never designed to hold anyone accountable.

The Credit Card Spiral

You pay the minimum, interest eats the rest, the balance barely moves. You tell yourself next month will be different. It isn't.

More Month Than Money

You're working hard and have nothing to show for it. That's a plan problem, not a you problem.

No Accountability

Motivation spikes and fades every two weeks. Without someone checking in, nothing changes.

Financial Anxiety on Repeat

Checking your balance feels like a threat. One unexpected expense wrecks everything. The low-grade stress never actually goes away.

Here's what waiting costs you:

A $5,000 credit card balance at 24% APR costs you $1,200/year in interest. That's before you pay down a single dollar of principal. Every month without a plan is money you won't get back.

Why I Do This

I've Sat
Where You're Sitting.

I built BudgetHawk because I know what financial chaos actually feels like. Not theoretically. Personally.

More month than money. Credit card balances that barely moved. Making decent money and still broke by the 20th. The dread of checking a bank account you already know is empty.

What changed for me wasn't my income. It was having a real system with someone to enforce it.

Now I work one-on-one with people who are done living like that. No group programs. No courses. Just me, your budget, your debt, your goals. I stay with you until the numbers actually change.

$2M+ in consumer debt eliminated by my clients

1-on-1 coaching only, no group programs ever

Talk to Me for Free

"I don't let my clients stay comfortable with a plan that isn't working. That's the job."

Abraham Cuenca · BudgetHawk

Here's What We'll Do
Together

This isn't a course. This isn't an algorithm. It's just me working directly on your numbers, building a plan that fits your actual life, and making sure you follow through.

I'll Build Your Budget From Zero

Not a template. Not a guess. I go through your actual income and expenses and assign every dollar a job. You'll probably see where your money is going for the first time.

I'll Set Up Your Expense Tracking

I build your tracking system so it runs with minimal effort. Every week, you have a clear view of where you stand. No more month-end surprises.

I'll Design Your Debt-Payoff Strategy

Avalanche or snowball, whichever kills your debt fastest. I run the math, set the payoff date, and build the exact plan to hit it.

I'll Set Real Financial Milestones

Vague goals don't get executed. I set specific, dated targets and break down every step. You always know what the next move is.

I'll Check In With You Every Week

I review your numbers weekly. If you're off-track, I catch it before a bad week becomes a bad month. No drifting, no falling off the plan quietly.

I'm Available Between Sessions

Decisions come up. Emergencies happen. You have direct access to me. Not a bot, not a help desk. A real person who knows your plan.

How We Get Started

Book Your Free Discovery Call

30 minutes, just us. I'll ask about your income, debts, and what's not working. You'll leave knowing exactly what I see and what a fix actually looks like. No script. No pressure.

I Build Your Personal Financial Blueprint

In our first real session, I go through your numbers and build your budget, your debt payoff roadmap, and your tracking setup from scratch. Built around your life, not a generic template.

We Execute. I Hold You to It.

Weekly check-ins. Real accountability. I track your progress, adjust when life happens, and push back when you're slipping. That's the difference between a plan and results.

Let's Talk. It's Free.

Find Out Exactly When
You'll Be Debt-Free

Enter your numbers below. I'll show you your real payoff date, how much interest you'll burn at your current pace, and how much faster my coaching strategy gets you there.

Your exact debt-free date at your current pace
Total interest you'll pay if nothing changes
How much faster coaching accelerates your payoff

Debt Snapshot Calculator

Total Debt Balance ($) Credit cards and personal loans, not mortgage or auto

Average Interest Rate (%)

Current Monthly Payment ($)

Important Disclaimer

The calculations and projections displayed above are estimates only, provided for general informational and illustrative purposes. They are based solely on the numbers you entered and standard mathematical formulas and do not account for changes in income, interest rates, minimum payment requirements, additional debt, unexpected expenses, or any other personal financial circumstances.

BudgetHawk does not guarantee any specific financial outcome, debt payoff timeline, interest savings, or improvement in your financial situation. Results vary significantly based on each individual's unique circumstances, financial habits, and commitment to their plan. Nothing on this page constitutes financial, legal, or investment advice.

Coaching services are educational and motivational in nature. Past client experiences described on this site are individual results and are not a guarantee, promise, or prediction of what you will achieve.

Simple, Transparent Pricing

Most coaches don't publish their rates. I do. Because if you're already stressed about money, the last thing you need is a surprise.

Why Am I More Affordable Than Most?

Other coaches charge $600–$900 a year for recorded programs with no direct access. What I offer is different. I read your actual numbers, show up in your inbox every week, and adjust your plan when life doesn't go according to script. You're not buying a course. You're hiring a person.

One-Time

Jumpstart Session

$97

One 60-minute session where I go through your actual numbers, build your budget from scratch, and hand you a debt payoff roadmap with a real timeline. You leave with a working plan, not homework.

1 × 60-minute 1-on-1 session
Custom budget built during the session
Debt payoff roadmap with exact timeline
Expense tracking system set up
$97 credited toward monthly coaching if you continue

Book Your Jumpstart · $97

Applied as a credit if you upgrade to monthly.

Monthly Coaching

$197 /month

This is the full coaching experience. I read your numbers every week, check in whether you ask me to or not, and adjust your plan when life happens. Most people who actually change their financial situation had two things: a real system and someone enforcing it.

2 × 30-minute sessions per month
Weekly async check-ins (I review your numbers, you don't have to ask)
Between-session email access (real responses, not a bot)
Budget, debt payoff plan, and milestone tracking built in session 1
Plan adjustments when your situation changes

Start Monthly Coaching · $197/mo

3-month minimum. Cancel after that, no questions asked.

Best Value

Annual Partner

$147 /month

Everything in Monthly Coaching, committed for a full year. For clients who are serious about finishing what they start.

Everything in Monthly Coaching
Save $600 vs. monthly billing
Priority scheduling
Annual financial review session included

Go Annual · $147/mo

Billed as $1,764 upfront. That's $600 in savings.

Questions I Get All the Time

How is working with you different from using a budgeting app?

How fast can I actually see results?

I have a lot of debt. Is it too late or too much?

What actually happens on the discovery call?

Do you need access to my bank accounts?

I've tried budgeting before and failed. Why would this be different?

Ready to Stop Guessing
With Your Money?

Claim one of this month's open spots. I'll reach out within 24 hours to set up a free 30-minute call. I'll review your situation, tell you exactly what I see, and show you a realistic path forward.

100% free, no card required

You talk directly to me

You'll leave with real clarity

▲ Limited spots available each month

Drop your name and email. I'll reach out within 24 hours to find a time that works. Zero pressure, just a real conversation about where you're at.