Anchor12 Financial Coaching LLC

Anchor12 Financial Coaching LLC We’ll help you build a clear plan, stronger financial habits, and the confidence to achieve your goals in 12 months or less.

Stop drifting and start steering toward a better financial future today with our tailored, results-driven guidance.

Labor Day was made a federal holiday in 1894 and was meant to give a “general holiday for the laboring classes.” When y...
09/07/2026

Labor Day was made a federal holiday in 1894 and was meant to give a “general holiday for the laboring classes.” When you went home after your shift, there were no email notifications or emergencies unless you were in the medical profession.

My, how we’ve changed. Our “office” fits in our pocket. Our emails follow us to the beach. We’ve gotten really good at working, but we stink at stopping. Go to any restaurant, coffee shop or movie theater, and you see people working hard. Hospital workers work every holiday, not just this one.

For those that have today off, make the best of it. Tip those restaurant workers a little more. Smile to those in your neighborhood a little more. Appreciate nurses and doctors a little more. And when you go back to work tomorrow, take a second to appreciate the fact that you have a place to go. Because there are people who desperately want that opportunity.

Work is important.
But the life you’re working for is important, too.
Happy Labor Day!

08/31/2026

Sometimes your money needs a personal trainer too. 💪

🥶The Freezer Abyss 🥶Food costs have gone up and many people admit they overspend on food. Thank you Double Whammy for m...
08/24/2026

🥶The Freezer Abyss 🥶

Food costs have gone up and many people admit they overspend on food. Thank you Double Whammy for making an appearance.

If you’re anything like me, you’ve put leftovers into the freezer with good intentions to eat it later. A year goes by, I’d pick something out, look at it, examine it carefully, turn it all around, and finally say “what the heck was THIS?” and toss it in the trash. Labels didn’t help because the pen ink was no longer visible. The big loud THUD it made as it hit the bottom of the trash can was deflating. I was supposed to save money, by golly!

I got one of those magnetic memo pads for the refrigerator. I write down what exactly I have in my freezer and as I eat it up, I cross it off. A whiteboard works too. Visibility creates clarity, and helped me use the leftovers before spoiling.

This is very effective right before grocery shopping so you can plan your grocery list. Try this and let me know how it works for you in the comments.

Touring new venues to bring more in-person classes to those in Youngsville, Wake Forest, Rolesville, and Franklinton NC....
08/20/2026

Touring new venues to bring more in-person classes to those in Youngsville, Wake Forest, Rolesville, and Franklinton NC. Workspace Provision Co
Stay tuned!

Your credit card rewards might get swallowed like a small sailboat caught in a storm. ⚓⛈️I walked into a restaurant last...
08/17/2026

Your credit card rewards might get swallowed like a small sailboat caught in a storm. ⚓⛈️

I walked into a restaurant last week and saw a 3% card processing fee notice at the register. Then my water utility sent an email with the same thing, starting Sept 1.

More and more businesses are passing credit (and sometimes debit) processing fees onto customers. And here's the catch: that 3% fee will often wipe out your rewards entirely. Most credit cards only earn 1-2% back.

It's worth paying attention to:
⚓ Which businesses charge a credit or debit card processing fee.
⚓ Whether your rewards actually outweigh the added cost.
⚓ If paying by ACH, check, or cash could save you money in certain situations

Are you seeing more card fees pop up where you shop? 👇

Chrissy (not her real name) downloaded the Match dating app on a Thursday night.She was divorced, in her early 40s, and ...
08/11/2026

Chrissy (not her real name) downloaded the Match dating app on a Thursday night.
She was divorced, in her early 40s, and wanted to find love again. She picked the cute beach photo and wrote something funny about her coffee addiction.
“I can’t do this.”
Fear took hold and she closed the app without hitting Publish.

Not because she wasn't ready to meet someone.
She wasn't ready for someone to meet her finances.
“They are going to walk away as soon as they find out how much debt I have.”

Here's what I told Chrissy during our intro call: There's a big difference between having debt and actively working on debt. ✨ Getting your finances together isn't about being perfect before you meet someone. It's about dropping that anchor and figuring out where you are now, and where you want to go, and WHY.

We got to work. She listed out her debts (which in itself brings out a wave of emotion for many folks). I asked questions about what she wanted to do once she found the love of her life. We prioritized her expenses and talked through ways to maximize every dollar coming into the home. After running through a few debt payoff options, I asked what option was speaking to her the loudest. She said without hesitation “paying off THIS card” (the one holding most of the emotional weight). It may not have made the most mathematical sense, but this was HER journey. I told her “Don’t question yourself….go for it.”

She saw the needle move after a few months. The interest she was being charged went down, but her confidence went up. So did the dating profile.

💜 If your finances are the reason you've been putting love on hold, you don't have to figure it out alone. Take action and schedule a free intro call with me (Julie) by texting 910-718-3133. If nothing else, I want to be an encouraging voice.

08/06/2026

Should you close a credit card account once you've paid it off? In some cases, this can hurt you. Watch and find out why.

08/03/2026

She came to me at 60, freshly divorced, and quietly terrified.

For decades, her ex-husband handled the finances. She'd built a successful business. Managing her personal money, however, was completely uncharted territory.

She didn't know what she needed to live. She didn't know how much to pay herself. Since her business revenue fluctuated, every month felt like a guessing game.

She wasn't starting from nothing, though. She had affordable rent, no car payment, little debt, and grown kids. More going for her than she realized.

We shined a light on her core expenses, figured out exactly what she needed to draw from her business each month, and built a visual roadmap she could actually relate to. "Now you're talking my language," she said.

High profit month? Here's the move. Slow month? Here's the move. No more guessing. No more anxiety. Just clarity. That's what a personal financial coach does.

Have you ever gone through a life transition that forced you to rethink your relationship with money? Share in the comments. 👇

A couple months ago, I accidentally knocked a leaf off one of my favorite succulent plants. It was gifted to me and I w...
07/27/2026

A couple months ago, I accidentally knocked a leaf off one of my favorite succulent plants. It was gifted to me and I was crushed. I asked one of my gardening-loving friends and she told me to lay it on top of soil.

For weeks...nothing. I mean, ZIP.

But then one day, I looked a little closer.
New growth!
Life had been growing the whole time. I just couldn't see it yet.

Our financial habits work the same way.
✔️ Setting a specific day and time each week to review your credit card and bank transactions (15 mins).
✔️ Around the 25th of each month, spend 60 minutes planning what your next month's income and expenses will look like.
✔️ Transferring a little money into savings each payday.
✔️ Saying "not today" to one unnecessary purchase.

None of those habits feel life-changing in the moment. But beneath the surface, you're building awareness, confidence, and consistency.

Keep showing up.
Growth is often happening beneath the surface before you ever see it. 🌱⚓

What small financial habit has made the biggest difference for you? Tell me in the comments.

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