No shame. No spreadsheets. Just a plan that finally clicks.
If you’ve tried budgeting before and it didn’t stick—you’re not alone. I’m Krish Anders, an Accredited Financial Counselor® and Certified YNAB Coach, and I help real people build flexible, judgment-free money systems that fit real life.
Whether you’re starting over, paying off debt, or simply ready to feel in control, I’ll help you use You Need a Budget (YNAB) in a way that fits your life.
YNAB Expertise
As a certified YNAB coach, I’ll teach you how to use the software and budgeting method with confidence.
More Than Just the App
As an AFC®, I’ll also help you work through the why behind your money habits—so change sticks.
Customized Support
Whether you’re brand new to YNAB or want to level up your system, we’ll create a plan that fits your goals, income, and lifestyle.
Shame-Free Zone
No judgment, no “shoulds”. Just clear, compassionate guidance.
Two months free
When you work with me you get an additional two months free added to your subscription.
- Set up and customize your budget from scratch
- Use YNAB’s Five Questions to manage money with intention
- Handle irregular income, debt payoff, or unexpected expenses
- Align your values and goals with your spending
- Build a system that works with your real life—not just in theory
Book Your Free Intro Call
Let’s talk about where you are and where you want to go. In 20 minutes, I’ll help you decide if YNAB coaching is right for you—and if I’m the right coach.
YNAB Services
YNAB Coaching – $149
For people who want to master YNAB budgeting. This one-time session includes:
- 90-minute onboarding session (Zoom)
- YNAB account walkthrough
- Customized budget setup aligned with your goals
- One week of email support
YNAB Coaching Package – $299
For deeper support with implementing habits and troubleshooting. Includes:
- Starter Budget Setup (90 minutes)
- 2 x 60-minute follow-up sessions (biweekly)
- Personalized budget habit-building strategies
- Unlimited email support for 30 days
Monthly Ongoing YNAB Support – $125/month
For clients who want regular accountability and guidance. Includes:
- 1 coaching session/month (60 minutes)
- Budget review + fine-tuning
- Priority email support
Combo Package: Budget & Beyond — $599 (Best Value!)
An integrated plan that includes YNAB setup plus financial coaching.
Includes:
- YNAB Budget Setup (90 minutes)
- 4 additional 60 minute monthly coaching sessions
- Personalized cash flow strategy
- Access to email support for 60 days
FAQ
Do I need to have YNAB already?
Nope! I’ll help you get started from scratch, including signing up, setting up your categories, linking accounts, and understanding how the system works. YNAB offers a 34 day free trial and if you work with me I can add two additional months free.
What if I have variable income?
YNAB is great for people with unpredictable income. I’ll show you how to build a flexible plan that adjusts month to month—without the stress.
Is this only for people in debt or financial crisis?
Not at all. I work with people at all stages—some are paying off debt, some are saving for big goals, and others just want more peace of mind. YNAB works whether you’re climbing out or leveling up.
Can you help me clean up a messy or abandoned YNAB budget?
Absolutely. Whether your YNAB has 52 unassigned transactions or you haven’t opened it in six months, I’ll help you reset and create a manageable plan moving forward.
How is this different from just using YNAB’s free tutorials?
YNAB’s tutorials are great—but they’re one-size-fits-all. With coaching, you get a personalized plan, expert guidance, and real-time problem-solving tailored to your situation. You’ll avoid common mistakes and build confidence faster.
Do I need to commit to multiple sessions?
Not at all. I offer one-time sessions, packages, and ongoing support. You choose what fits your needs and budget.
Is everything confidential?
Yes. All coaching sessions are confidential and judgment-free. You’re safe here.
What if I don’t like YNAB after I try it?
That’s okay! YNAB isn’t for everyone, and we can talk through whether a different budgeting method is a better fit. My goal is helping you find what works—not forcing one tool.
I am a YNAB Certified Coach, which means that I have been trained to coach people on using YNAB software and the YNAB method. I have met select requirements of YNAB 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 its affiliates.