Financial Therapy
Help for Money Stress, Overspending, and Avoidance
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Financial therapy focuses on the emotional and behavioral side of financial decisions so change actually sticks!
Financial therapy may be useful if:
You avoid checking accounts or opening bills
You earn enough but always feel behind
Spending relieves stress in the moment but creates regret
You and your partner argue about money styles
Financial problems keep returning despite good intentions
You feel shame about past financial decisions
Money worries are affecting sleep, focus, or relationships
Financial therapy is not financial advising
I don’t manage investments, sell products, or create budgets for you.
Instead we work on:
avoidance patterns
impulsive spending triggers
financial secrecy
anxiety around uncertainty
identity and self-worth tied to money
recovery-related financial behaviors
How do sessions work?
Sessions look similar to counseling, but focused on real-world decision patterns.
We may:
review specific spending situations
map emotional triggers
build tolerance for financial discomfort
practice decision frameworks
reduce shame cycles that drive avoidance
You do not need spreadsheets or financial knowledge to start.
Common outcomes
Clients often report:
checking accounts without dread
less impulsive spending
calmer financial conversations
clearer decision making
reduced background anxiety
fewer relapse triggers
If money stress keeps repeating despite your best efforts, financial therapy may help.
Give me a call to see if it’s a fit!
(303) 351-1068
kelly@coolbirdcounseling.com
Completed training through the Financial Therapy Association
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