Hi there—I'm so glad you're here. If we haven't met yet, I’m Kristi Razo, the coach behind OC Financial Coaching. Whether you’re new or...

Right around October, November, we start hearing, “Oh gosh, Christmas is coming and I am not prepared!” When people say this, sometimes...

Before I began the journey to become debt free, I was all over the place with money. One month would seem like, "I've got this! Why was I...