Theresa Gray

Carlsbad, CA 92009

I’m a financial coach, blogger and author.

In case you don’t know what a financial coach is, a financial coach works with a client to change behaviors around money. That might be helping a client see where they can reduce spending or earn more income to create more savings. A financial coach helps to create a plan to get out of debt. Sometimes it’s important to help understand a client’s emotions around money, which may have created obstacles to good financial management in the past.

I wrote my book, “Family Gratitude Journal” as a way to battle the entitled feeling that is so pervasive in our culture. I created it for all ages, from children to seniors, and have heard great things from so many people! It’s especially important to focus on joy and gratitude when you are cutting back your lifestyle to become debt free.

Since our family has become debt-free, we have been enjoying taking Disney Cruise Vacations! My latest book is a journal I created for recording the vacation!

Books by Theresa Gray