Michele Wood

Raised by a hard-working single mom, I’ve always earned money. My first job,

at age nine, was operating  industrial sewing machines. I’ve worked since 

then, in every conceivable field, from childcare, house cleaning, delivering 

phone books, sales jobs, landscaping and everything in between. Along the 

way I earned my Associates Degree in Early Childhood Education, plus many more 

college courses in the accounting and business management field. Currently,

 I am in the behavioral health program to expand my knowledge about 

spending behaviors. I am also enrolled with AFC to continue my financial skills. 

As I worked my way through college, I discovered credit cards. By age twenty-two, 

I had thirteen maxed-out credit cards and a car payment. In my mid-twenties, 

I married a hardworking man. When the kids came, my husband and I had to watch 

every penny. A savings account? A 401k?  Those were options for us only if we 

wanted to give up gas, or food.

Due to medical issues along the way, the medical bills piled up which turned me to 

a debt consolidation agency. I was not impressed. I then turned to a bank who 

told me I needed to bring in more money. There was no one to help someone like

 me. I’ve always worked hard, but was never taught how to manage my money. 

I decided to teach myself. I stuck my nose into every finance book I could find. 

I researched, read, and did a lot of trial and error. I learned that we needed to 

change our habits, practices, and mindset. 

Doing that has set us on a path to financial soundness and peace of mind.

I’ve been helping others identify their money worries, and then how to solve

them. Some of those I’ve helped, earn big paychecks, others live close to the 

financial edge. Whether your income is  low or you’re earning six figures, 

I’m confident I can help. Having money problems is embarrassing and often 

leads to shame, secrecy, and deep anxiety. You are not alone. Let me help 

you take control of your money without shame or judgment. Feel the peace 

and the pleasure of knowing your money is in capable hands—your own.