Paco Success StoryBy Daniel Rodriguez | Dr. Budgets

Do you know a small business owner who is struggling but loves what they do? Paco approached Dr. Budgets during a major transition in his life and his business. He was having a hard time managing all the changes, let alone his financial life. His debt balance was growing because he didn’t pay much attention to his spending. Paco has since been steadily paying off debt and growing his business. He also has a greater sense of clarity and ease. Here is his story…


Before working with Dr. Budgets, my financial situation was mysterious. It wasn’t out of control… it was just a bunch of stuff over there (pointing off in the distance), and I didn’t know what was going on with it. I had a lack of awareness.

I also had so much on my plate that I couldn’t think about financial goals – I couldn’t even manage my money. I felt like a hamster in a wheel, because I was working hard but not getting anywhere. But I also felt optimistic, there just wasn’t a clear path. I thought “at some point I’ll have enough money to address this”… but there was no real goal.

Deciding to Work with Dr. Budgets

Arguably, I decided to work with Dr. Budgets at a time when I could least afford it, but I knew the return would be manifold. It was a critical period in my life with a lot of moving parts, and I finally needed to address the mysterious stuff.

Working with Dr. Budgets

In a word, working with Dr. Budgets has been a relief.

I find the process very easy, and my money coach is very encouraging and non-judgmental. I finally feel like I’m off the hamster wheel because I have clear goals and there’s a path to achieve them. There’s a compass that I’m able to follow as the wind shifts because, with my money coach, I can adjust.

When I first started working with Dr. Budgets, I was still in denial. I wasn’t engaged because, at a subconscious level, I was still resistant to looking at my financial situation. Now, I OWN IT! I like being able to see my progress and the colorful charts.

The most surprising aspect about working with Dr. Budgets is that it works! I truly began to hold myself accountable to the spending plan. I had attempted to stick to a budget before, but wasn’t successful. What I realized was that it’s not instilled in you in anything that you do; it’s not taught in normal life. Why isn’t this taught?!


Since working with Dr. Budgets I have paid off over $60,000 in debt (in 2 1/2 years). I am credit card debt free on the personal side, and will be out of credit card debt on the business side next year. I also have more awareness when I spend…I don’t spend on instinct anymore. Just as important is that I am now more credit worthy, which has opened up lines of credit for me. As a business owner, I need access to capital to grow my business. Before hiring a money coach, people wouldn’t lend to me.

On a deeper level I feel that I have more clarity and an enhanced ability to make financial decisions. Dr. Budgets brought intelligence to my spending. Having a money coach look at my spending every month means that this area is under control for me. I’m not overspending because the ongoing dialogue with my money coach has reinforced good spending habits. This allows me to focus on my business. I enjoy having someone in my life whose function is to constantly push me toward intelligent spending!

I feel like a weight has been lifted. I feel that I have clarity, intelligence, and control around my money. If anything new comes along I know that we will tackle it together. I can now take on challenges that life may throw at me… Stronger, better-equipped and prepared.

What would you tell someone in a similar situation to yours about Dr. Budgets?

Business-owners’ RAM is often overloaded – we have too much to worry about, so we aren’t able to tap into our creative capacity and free up energy. To have somebody coach you to spend intelligently is a huge return on your investment. It’s measured (the tracking of spending and colorful charts), but the true return really can’t be measured. The relief of the burden for small business owners and entrepreneurs is priceless.

Also, life throws stuff at you when you least expect it, so it has been great to be prepared financially… one less thing to worry about. Imagine what you’d do if an important piece of equipment in your business broke down, or you had to shut down your office and couldn’t see clients! I know exactly what I would do… I’d call my money coach!

Thank you for sharing your success story Paco! We’re happy to be an integral part in Paco’s business and personal life, and look forward to his continued success! If his story resembles somebody you know, please have them give us a call at (619) 800-3030 to schedule their complimentary consultation.


*For client confidentiality, we changed the name of the person to “Paco.”  Everything else is factual.