Sheryl Kosovski


Money and Business Coach

I think of myself more as a self-worth coach than as a money coach. I help my clients see their value, so they come to believe they are worthy of more. Sure, I also teach them to make spending plans and how to get out of debt and save. More importantly, I help them to see that by taking care of their money they can better take care of themselves and the people they love.

Self-worth? What does that have to do with managing money and financial success, you may ask?

Well, everything.

Free 1 Hour Coaching Session

How to get a grip on your finances and finally be able to afford the life
you really want.

What would you be doing if money wasn’t an issue?

You may feel overwhelmed, confused, fearful or angry about your financial situation. Perhaps you avoid looking at your bills and financial statements because you lack the confidence to take control. Even though you make a good living you may spend more money than you make and be in debt. Maybe you’ve let someone else make all of your financial decisions because you don’t trust yourself or deep down you don’t feel like you should have to take care of yourself.

So how do you change and create financial security and wealth?

Financial coaching is a way to become a master at your finances. It provides education and counseling to those who want to heal self-defeating behaviors, improve their financial situations and transform their relationship with money permanently.

It starts with self-discovery, identifying what you really value and who you want to be so you are clear about what you are working towards.

The next step is knowledge-learning skills like how to create plans for how you want to spend your money and get out of debt if necessary. Making sure you always have money for those bills that don’t come every month or that you didn’t expect so you don’t have to borrow on your credit cards when they arrive. Putting your dreams first by saving every month for them, even if at first you can only save a small amount.

The third step  is changing your mind about who you are. Letting go of old beliefs that you can’t be trusted with money, or that someone else should be managing your money. Forgiving yourself for past mistakes and being willing to trust yourself and try again.  Accepting responsibility for the choices you make and taking action in spite of your fear. Believing that you deserve to have the life you really want just for being you.

We are our best selves and have the biggest impact in our work, personal lives, and communities when we are not held back by confusion, fear, shame, or feeling unworthy of having wealth.

Imagine how you would feel if you were really in control of your money.

How would you see yourself if you:

  • Knew how much money you had in savings and how much in debt
  • Were using your money to advance your goals
  • Were able to save enough money for a down payment for a home
  • Had a plan in place to pay off your student loan and credit cards
  • Were saving money for that trip you’ve been dreaming of
  • Could buy your next car without needing a loan
  • Felt confident about how you were spending and saving
  • Could change careers or start a new business based on your passion instead of being stuck in a job for the financial security
  • Knew more about how to invest your money to grow it over time

Imagine feeling worthy of achieving financial success and being able to count on yourself to make wise financial decisions. 

Money Coaching teaches you the skills you need to manage your money.  It can help you clarify how you want your life to look.  The goal is for you to be able to use your money to achieve your goals


With Money Coaching you gain the skills you need to set you on a path to have financial peace of mind and achieve your goals.  By creating a spending and/or a debt reduction plan and clarifying what you want your life to look like you can use your money in a way that aligns with your values.

You will gain the ability to change the way you think about money which then allows you to change your behavior.

We all spend a lot of money on stuff we don’t really care about often without really knowing we’re doing it. Then we have no money left for the things that really matter to us. Money coaching helps you understand why you can’t help spending money on shoes when you have a closet full or why you need to get 10 cents off on milk when you just spent $4000.00 on a bike.  You can use your money in a more conscious way.

In Money Coaching we look at how you think in order to see what thoughts bring security and abundance to you and which keep you from prospering. During our work together I will ask you to  have the courage to clarify what is important to you and put plans in place so you can have more of what you care about.

You will have an accountability partner to help make sure you stick to the plan, which for most of us is the hardest part.

Here is a sampling of results my clients have achieved through our work together:

  • Are no longer afraid to look at their financial statements
  • Paid off credit cards and haven’t gone into debt again
  • Reduced interest paid on debt
  • Saved money to purchase a new home
  • Asked for a raise of $20,000.00 a year and got it
  • Were able to leave their job and start their own business
  • Feel clear and confident about every financial decision they make
  • Better self esteem and feel more deserving to achieve financial abundance
  • Raised their rates and didn’t lose one client

It’s Time
To Take Control of your Finances and Create a More Abundant Future

Kind Words from My Clients


We worked with Sheryl during a time of many transitions: Dane was finishing grad school and getting ready to launch his career as a teacher, and we were planning to get married in a few months. We had been living together for several years but we had not combined our finances, and we needed to figure out how to do so. Sheryl helped us in a number of important ways: we figured out how to create one budget for the two of us, how to manage our debt and keep out of trouble with borrowing, and, perhaps most importantly, what each of us was bringing to the marriage when it comes to history with money and feelings about getting, spending, and saving it.

A year and a half later, we are collaborating beautifully on our budget, have no credit card debt, and have been able to start saving toward the mutual goals we identified with Sheryl. We are so grateful we had the opportunity to learn from her!

Nora Frazin, LCSW & Dane Haiken, Teacher

I had the pleasure of attending the financial class offered to staff members by my company this past spring offered by Sheryl Kosovski.  I found Sheryl’s class to be an invaluable support in becoming more aware of my finances, planning for my future, and improving my financial health. I feel very grateful that my agency gave me the opportunity to take this course and highly recommend it to anyone looking to better understand and manage their finances.

Prior to the class beginning, I would often avoid thinking about or looking at my finances because it was anxiety-provoking for me. This was not simply a budgeting and tracking course, but so much more. I now have a budget and realistically plan for my future. I am much more aware of my finances and where my money is going, which has greatly decreased my anxiety surrounding my finances. I have also learned a great deal about myself, my relationship with money, my sense of value, and how I would like to be living my future. I appreciate the opportunity to have been able to take this course and work directly with Sheryl. I think this course, and her other services, are vital resources for anyone, particularly those who are working with limited financial resources.

Shira Glogower, LCSW, MS.

At the ripe old, but healthy ages of 85 & 88, we suddenly realized we were outliving our Money. As we were well into our retirement years, my wife and I were getting increasingly concerned about whether our savings and investments would see us through the rest of our lives and our grown children were becoming very concerned about us as well. We had no idea how to measure our current spending against our long-term needs.

Sheryl helped us focus on the problem and gave us tools to budget and monitor our expenses.  I can honestly say that this is the first time that either of us has learned to Budget. She is teaching us to live within our boundaries.  Sheryl is easy to work with and has substantially lifted our burden of uncertainty.

Bobbe Wolf, Photographer & Hugh Brodkey, Retired Attorney

“I have been working with Sheryl for over 3 years now. Prior to working with her, I did not understand the value of financial planning and monthly budgeting. The software program she typically uses Money Minder is very user friendly. Sheryl is very compassionate and understanding of one’s needs. She has gone above and beyond in helping me get my finances in check. I highly recommend her to anyone looking to improve their financial health!”

Connie Izquierdo
M.A.CCC-SLP,COM., Certified Speech Pathologist

“I met Sheryl quite a few years ago, somewhere between 55 and 60 years old. Sheryl offered financial literacy—a new concept to me. We moved through obstacles and highs as well as lows (unemployment). It has been a journey and Sheryl provided a guiding light, a steady force, and a compassionate heart. Sheryl offers insights and provides resources. She encourages self-discovery while constantly making available concrete tools such as a “budget-like” website to use and books that tend to empower, rather than shame.”

Marla Goldberg
Volunteer Services Coordinator