Cortney Kaveh, Northwest Money Coaching

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McMinnville, OR
Cortney Kaveh, Northwest Money Coaching

Connect with Cortney: https://m-sml.mtrbio.com/public/smartlink/northwest-money-coaching https://linktr.ee/cortney_financial_coach

09/16/2026

Financial services do important work: investing, insurance, mortgages, tax filing, retirement accounts, and banking all play a meaningful role in our financial lives.

But there’s another layer that often goes unaddressed: day to day money decisions and planning (or lack thereof).

How do you plan spending when income fluctuates? Get out of debt? Build a cushion? Create a system for business and personal money? Have productive financial conversations with your spouse? Stay accountable week to week?

That’s the gap financial coaching fills.

Many self-employed families and business owners have real income, but no consistent system or clear plan for managing it. Coaching provides practical education, behavior change, and accountability so your money decisions become more intentional and less reactive.👍

Financial coaching isn’t investment advice or portfolio management. It complements the work of your fiduciary advisor, CPA, attorney, and other financial service professionals by helping you follow through on the day-to-day decisions that move your life forward. We consider ourselves a financial project manager of sorts! We help keep clients on top of their financial tasks, among other things.

If this sounds like the layer your finances have been missing, send us a message. We’re happy to start a pressure-free conversation.

08/13/2026

Money conversations can get tense fast: especially when stress, surprises, or different habits are involved. But changing the words we use can help us move from defensiveness to teamwork. 💬

Try shifting from negative verbiage to something more positive or neutral. Also equally important: staying curious.

This isn’t about avoiding accountability or pretending everything is fine. It’s about replacing blame with curiosity so you can understand the problem, make decisions together, and protect your connection while working toward shared goals. 🤝

Next time money tension shows up, pause and ask: “Are we trying to win this argument, or solve this together?”

Need support starting a calmer money conversation? Comment CONVO or send us a message. We’re happy to help: no shame, no pressure.

07/30/2026

A Financial Coach tells you to spend more?!

We often think budgeting is all about restriction, but sometimes the best financial move is knowing what to intentionally spend MORE on.

#1 Your Values: Ruthlessly reduce spending that doesn't move your priorities forward. Identify what your values are, cut out the silly little expenses that slowly leak money out of your account (looking at you takeout 🥡) , and repurpose that money toward something that matters to you (hello, vacation 🏝️).

#2 Generosity: We are blessed to be a blessing. Giving moves us beyond ourselves to serve and love others better.

#3 Quality: Invest in things that last now so you don't end up spending more in the long run to replace cheap items.

Not everything needs to be cheaper. This is one I had to unlearn!

Need help aligning your spending and priorities? Comment SPEND MORE to connect with us for a free consultation.

07/24/2026

Call me unhinged, but these habits keep my husband and I focused & on track. (I know, I know, tracking every single penny sounds intense, but bear with me!) When you stop guessing where your money goes, you finally get to stop wondering and prevent it from leaking out. 💸

Here are 3 slightly intense things I do that keep our finances running like a well-oiled machine:

1. I track every single penny we spend (yes, all of them). (hi, accountability partner: that's my budget app called YNAB!)
2. We save monthly for 1-2 years before ever "taking the trip". ✈️
3. I pay our credit card down to $0 twice per month. 💳

Sound a little strict? Maybe compared to everyone else. But I promise you, everyone ain't sleeping as well as I do. That peace of mind is 100% worth it.

Drop a comment or DM me if you want to chat about your own money habits and start taming the chaos together. No judgment here, just real talk! 🌿

07/14/2026

I get it. You've tried, you've stopped and started, and it feels like nothing's working. So you just *don't*.

The spreadsheet, the confusing app, using a calendar for bills' due dates, shifting money around between multiple accounts (read: robbing peter to pay paul)...

Maybe you've simply thought about doing one of the above but didn't try it yet.

The #1 thing people tell me about their past method is "the system I used didn’t help me reach my goals or change my habits".

So how does one successfully manage their cash flow???

The biggest gap I see in money management is the lack of tracking expenses **throughout the month**. So how does this help?

Knowing where your money goes allows you to regain control of the train when it goes off the rails (as it inevitably will, because: life).

How can you possibly course-correct when you do your usual routine: you get to the end of the month, exasperatedly exclaim "where did the money go?!" and you have no idea (which is all the more frustrating).

Then, like a broken record, you say "we make too much money to feel this broke".

Welp, maybe it's time to call in some help. Time to realize AI can't solve this, and you're ready to phone a friend and get accountable. Getting organized with a budgeting structure that actually works - yesssss (and you never thought you'd say that).

How was I able to get in your head like that? After 6 years of working with hundreds of households, I know how it goes. Heck, I know how it went with me!

So as promised, using a budgeting software that imports your transactions so you can keep your finger on the pulse of your finances is KEY. Do yourself a favor and download YNAB (link in my bio).

I don't work for them, but I am a YNAB certified coach and have used this tool exclusively for 5 years and running. It is THE thing to finally get your financial plan off the group. I'm biased but I also think you need accountability with this new plan!

So grab a trusted friend, family member, or coach (like me!) to start getting some traction and stick with the dang thing this time. You can do this!

07/08/2026

If you've always done something a certain way, or someone has an expectation of you - it's time to run the numbers.

Do you have the cash?

Does it actually align with your priorities and add value to your life goals?

What does being a good steward of money look like/mean to you?

07/01/2026

"Huh? What does she mean"?

Scenario 1: The credit card debt begins when we treat purchases like something that can be paid for in cash LATER. We swipe our credit card because we don't have the cash now. We then typically pay a minimum payment on the balance that's growing month by month (even though we don't intend for this to happen).

Versus:

Scenario 2: Treating your credit card like a debit card. You have the cash in hand AND you want to use your credit card for a specific reason (points, miles, etc). You regularly pay the credit card down to zero.

The first scenario treats the credit card like a bill, and debt forms. The second approach uses the card as a tool and doesn't succumb to debt.

Here's the tricky part when you're in scenario 1: it's HARD to keep track of how much you should be paying to the card to prevent more debt from forming. It's got to be the minimum payment PLUS the new charges you put on it that cycle.

YNAB (my fave budgeting software/app) makes it simple to keep track of this number. This is the first step if you're ready to take control and eventually pay off your cards.

Does all this overwhelm you and you'd rather eat dirt? I got you. Please - reach out to me today and we'll meet for a free consultation so you can fill me in on what's going on and I'll help you make a plan to fix your finances. That link is in my bio.

06/24/2026

You may think we're strange but we didn't pay off $145k of debt by obeying the rules of our instant-gratification culture.

I'd LOVE to hear what you/your family does that's "regular"/money-saving/NOT keeping up with the Joneses.

We all need to know that not "everyone is doing it" - which can be applied to sooo many things we tend to envy online or compare ourselves with.

So, your turn :) Let's de-influence & encourage each other in the comments!

06/17/2026

"I don't really budget, I do it in my head!"

"I make spending decisions based on vibes".

"I set a budget in a spreadsheet but it never actually gets followed".

These are the common responses I get when I ask potential clients if they've tried budgeting in the past.

And when I ask how that's worked out for them? Usually a 1 or 2 on a scale to 10.

So if vibes are no longer cutting it, what does one do?

Tracking your spending is the place to start. How else will you realize where your money is going?

I highly recommend using a budgeting software that imports transactions for you. Pick one where you must categorize the transactions once they come in. This will force you to engage with your plan and keep it balanced.

I recommend YNAB - You Need a Budget. It's got a little learning curve but any new tool will. Click the link in my bio to check it out, and give me a holler if you need help! I offer one-off YNAB troubleshooting sessions a la carte.

05/20/2026

Talking about money with your spouse shouldn't feel like you're stepping in to the ring to spar 🥊 Like that feeling when a simple question about a receipt turns into a full-blown "discussion" (you know the one).

It’s time to get proactive in your conversations and make them *routine* so they aren't only happening when something is wrong.

Money management is actually a form of self-care for your relationship!

Here are 3 ways to take the tension out:

1. Set a Shared Agenda: Don’t blindside your spouse while they’re relaxing. Agree on the day, time, & topics ahead of time so everyone feels prepared.

2. Pick a Low-Stress Time: Skip the late-night sessions or "meh days" when energy is low. Pick a time when you’re both fed, calm, and alert. ☕️

3. Focus on Goals, Not Blame: Budgeting is leadership, not restriction. Look through the windshield at where you’re going, not the rearview mirror at past mistakes.

Ready to tame the chaos and finally get on the same page? I’d love to help.

DM me to set up a free consultation, especially if you know a 3rd party would help. Let’s normalize money talk so it's not scary! ✨

Address

McMinnville, OR
97128

Telephone

+15036106571

Website

http://www.nwmoneycoaching.com/, https://mtr.bio/northwest-money-coaching

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