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Family

Helping individuals and couples
financially prosper through hope-filled spending and financial coaching

Are you looking for help feeling
comfortable with your spending?

You've come to the right place! 🎉I provide judgement-free coaching to help you gain clarity over your finances. Whether you're wanting to pay off debt, move forward from a difficult life scenario, be more charitable, or feel greater control and composure around your day-to-day finances, New Trajectories can help. 🙌

Do any of these resonate with you?

Feeling Stuck

You live in the paycheck-to-paycheck cycle, are recovering from a traumatic life event, feel like you'll never get out of debt, or don't know if you'll retire when you'd like.

Having Long-Term Goals

Inflation Woes

The rising costs of goods and services has you losing sleep at night, and you're worried you won't be able to stay afloat and will have to make difficult sacrifices.

Making Career Decisions

Your heart is set on buying a home, expanding your family size, starting a business, or other big dreams, but you don't see any way you could ever pay for these big-ticket items.

Lack of Clarity

You believe you make a decent income, but you're frustrated it never seems to be enough and don't know why the money seems to disappear after it hits your bank account.

Wanting to Give More

You want to go above-and-beyond for your family or give charitably more often, but extra giving beyond your day-to-day obligations doesn't ever seem feasible.

Maybe you lost your job and don't know your next steps. Or, perhaps you enjoy your current work but are wondering if you'll have to switch jobs to find something with higher pay.

For these and many other concerns, coaching can help.

About

Meet Your Coach

I'm Eric Hout, a committed husband, loving dad, loyal friend, and knowledgeable coach. Family and friends would tell you I'm a compassionate listener👂, strong communicator📣, patient teacher📚, and willing helper🤝. When I'm not coaching, you might find me hiking, birdwatching, chasing my energetic Yorkiepoo pup, planning how to tackle a new home improvement project, or completing various community service projects. 🥾🐦‍⬛🐾🏠

Eric Budget and Financial Coach
Eric Budget and Financial Coach

Eric's Financial Journey

Growing up, I learned the value of saving and spending money wisely, and had managed to save a small stash of cash by the time I entered adulthood. Although I had learned about the need to save and spend wisely, I never assigned the dollars I had to specific priorities. Instead, I simply relied on the ever-changing balance of my bank account to tell me whether I could "afford" something. Relying on the account balance was better than nothing, but it didn't give me a concrete method for how to prioritize my spending and saving. 😰 

 

As I progressed further into adulthood, the financial demands of life quickly began to accumulate, and my small cash cushion was rapidly depleting. I realized I needed a better way to manage my personal cash flow. In 2014, I developed a spending plan using a YNAB-based methodology, which quickly became a significant help in securing greater control, clarity, and composure in my financial life. 🎊

A few years later I began dating my (now) wife, but was concerned with the amount of debt we would carry into a marriage. Shortly after "tying the knot," we made a plan to pay off over $80,000 of our combined debt, and we did so within a couple of years of getting married with the help of our YNAB spending plan. YNAB gave us the clarity we needed to intensify our debt payments while still prioritizing other areas of spending that were important to us. The freedom from debt has not only given us the ability to meet our daily needs and save for the future, but has also enabled us to be give to others around us as needs arise. 🎁

 

I have held several professional positions over the years as a teacher and tutor, and have always enjoyed sharing things I've learned with others. Since paying off our debts, I have guided others toward having more peace around their finances using YNAB's methodology. Now, as a budget and financial coach, it is my desire to help you have clarity around your spending so you also can serve your family and the world with the resources that have been placed into your care. With New Trajectories, I want to help you achieve an enjoyable, steady, and generous financial future! 💪

Eric's Family

My Mission as a Coach 

Driven to enable clients to bestow good upon their families and the world,

I help individuals, couples, and small business owners financially prosper

through hope-filled financial and budget coaching.

What happens during coaching?

Topics we will cover during our virtual coaching sessions include:

Creating a spending plan

My goal is to help create a that reflects your priorities.

I'll also help troubleshoot issues you're having with your budget.

Empowering you with confidence and clarity in your spending

Helping you achieve stability by setting aside funds for next month

Tracking income and expenses

Creating a plan to pay off debts and achieve long-term goals

Developing positive financial habits and staying accountable for implementing those habits

Assisting couples in being "on the same page" about their money

More Details

Option is available to continue coaching after the end of the initial program

Budget coaching for small business owners or other small organizations is also available

Working from Home
Purple Podiums

4-6

Four to Six Sessions
$80 per hour

A coaching program offers essential elements you need for success in developing a robust spending plan. The goal is to ensure you have a working plan, are developing good money habits, and are on your way toward achieving your goals. A free intro call is offered before the start of a program, and a free 94-day trial YNAB is also included.

1

One Session
$80 per hour

A single session is intended for individuals who have questions about their current YNAB budget or who have previously worked with me. The goal of the coaching session is to resolve any specific or lingering questions or provide continued support. A support session will guide the client toward a more confident YNAB experience.

The above offerings are examples. I can custom-tailor a coaching package for you! 😄 For someone who has never used YNAB, it usually takes 4-6 coaching sessions to become confident. I can also offer additional sessions after the completion of a coaching program.

I offer a $5 discount ($75/hour) for emerging adults ages 18-23 who pay for coaching without outside help. 🎓

I do not charge sales tax, but I do charge an added 3% fee to cover Stripe/PayPal payment processor fees. 💳

 

Coaching Programs

YNAB Certified Coaching Badge

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 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.

Book a call with Eric

Click below to schedule a no-cost, no-obligation call with me and take the first step toward the clarity you've been seeking in your finances.

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