Heather Emerick

YNAB Budget Coach

Let's Talk

Why do you need a YNAB budget?

Welcome to your journey toward financial freedom! Budgeting can be overwhelming and challenging, but it can be incredibly empowering with the right tools and guidance. That's where I come in!

As a certified YNAB (You Need A Budget) coach, I have the expertise to help you create a budget that works for you and your unique financial goals. My mission is to provide you with the support and knowledge you need to take control of your money and live the life you truly want. Let's get started!

Smart Budgeting by Using a Calculator and Saving

Heather's Services

As your YNAB coach, I'll be with you every step of the way as we set up your new budget and you learn how to take control of your financial future.

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Take Control of Your Cashflow

Let's look at where you are spending your money and work towards being more intentional and reaching your goals.

Plan for

Big Expenses

Big goals on your horizon? We will make a plan now for big expenses and get you off of the financial roller coaster.

Reduce Debt and Increase Savings

Are you carrying debt? We

will strategize a debt paydown plan for credit cards, |

student loans, etc.



Heather recommended YNAB to me and helped me set up my budget. She patiently guided me through the first few months and answered all my questions. Using YNAB changed my life

for the better.

Annie and Jason

YNAB seriously saved us and has put us ahead of the curve financially and keeps us honest as a couple where we spend money. It is the best.


Travel is a huge priority for me. Heather and I strategized to make sure I could have epic adventures while still keeping the lights on!


A practical and empowering budget is at the heart of a successful financial plan. YNAB is the ultimate tool to help you achieve both. With its focus on using the money you have right now to make informed decisions, YNAB's robust budgeting features, including flexible targets and insightful reports, make it the best method for managing

your finances.

As your YNAB coach, I will set you up with a budget that works for you and provide ongoing support and expert tips to help you stick to it and confidently reach your financial goals.

My Story

Hi, I'm Heather. Like many of us, managing money has always been a source of stress for me, especially while navigating the ups and downs of my family's diplomatic lifestyle. That all changed when I discovered YNAB. It wasn't easy at first, but seeing the true financial picture and taking control of our finances brought an incredible sense of empowerment and peace.

That's why I became a certified YNAB coach - to share the power of budgeting and help others achieve the financial security and freedom I've found. With YNAB, my family has been able to enjoy life's adventures and overcome challenges. Let me help you do the same.

DISCLAIMER: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met the select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB-related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.

Contact Me

Mailing Address

500 Westover Dr. #6687, Sanford, NC 27330

Learn More

Phone Number

(802) 230 7834