Get a plan, not a sales pitch.

Private Coaching

Sandy Smith, MBA, SHRM-SCP, CFEI


Helping people get from where they are to where they want to be is not an endeavor that I take on lightly. I'm laser focused on getting results as quickly as possible for the people who work with me.  

This is a partnership that includes both of us investing into your financial life.  This is why I am extremely selective about the individuals who work with me and now, with my partner in financial coaching, Tahnya Kristina.

We help educate and empower those who want to find a path to financial stability. By encouraging a more conscious approach to your finances, we help our clients:

  • Make lasting changes in spending habits
  • Manage debt and credit more effectively
  • Set short and long-term goals to guide their personal and financial lives

These are necessary life-skills which aren’t necessarily taught in schools or at home. We make very real differences in our clients' lives by giving them the tools to take control.

Hi, I'm Sandy Smith, the founder of Yes, I Am Cheap and Colorful.Money.  In 2009 I began my financial journey towards living a debt free lifestyle.

Using different techniques learned through my, I'm a debt guinea pig approach, I successfully reduced my own consumer debt enough to purchase two investment properties, in cash, and turn my net worth around from -$120,000 to +$200,000 in only 5 years.

I am a Certified Financial Education Instructor who focuses specifically on working with individuals who are ready to change their lives, manage their money and improve their financial future through achieving realistic, measurable, and attainable financial goals.

Tahnya Kristina is a Certified Financial Planner with over 15 years of experience in the financial services industry.  After many years of being in more debt than she could afford she now enjoys living a debt free life.  

Her coaching sessions will help you set a budget, learn to live within limits, save for your goals and change your bad money habits.  When she's not giving money advice you can find her reading crime fiction novels or meditating on a yoga mat.  

Book an appointment today and let her help you live a happy financial life. 

Tahnya Kristina

Tahnya Kristina, CFP-Canada





We need to know a bit of information about you and your commitment prior to speaking.  Please complete the client intake form and specify a good day and time for us to reach you.

Based on the results of your initial screening, you may be contacted to schedule an exploratory call. During this call, we will learn more about you and your goals.

Not all potential clients will be accepted.

ENGAGE - Private Coaching


You'll need to gather items including a budget, list of debts/interest rates, list of savings and goals.  We'll use this information to form the framework to get you from your current status to your ideal situation.

During our chat session, we’ll talk through your path. It’s you, one of us, and a whiteboard.  In the end, we'll know if we can work well together and if you'd like to go further. 



We'll craft a detailed plan for you with realistic goals based on your intake survey and our initial phone call.  The goal of financial coaching is to have a solid plan, combined with the knowledge and tools to carry on. 

You will learn how to maximize your resources, and reduce unnecessary spending in order to live on less than you make.  Most importantly, you will become the best steward of your resources, and progress to the more exciting steps of personal finance: saving, investing, and giving!


Begin by filling out this form then book an exploratory call on my calendar

Coaching Call
Single Call

One 30 minute call

10% discount to Credit Mastermind course

Platinum Coaching Packing
The Kitchen Sink

90 days of access

One 45 minute goal setting session

Two 45 minute coaching sessions per month

Assistance with realistic goal setting

Budgeting and financial review

Credit analysis

Unlimited e-mail and/or text support

Credit Mastermind course included

2017 Debt Planner (when published)

Welcome Package