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Take the guesswork out of managing your money.

Judgement-free financial coaching for women who want to take control of their money — without feeling trapped by their budget.


Eliminate your debts


Build financial freedom


Splurge without guilt

You know there’s money coming in and going out, but you’re not sure how much. You’re scared of seeing the numbers, and the thought of organizing all your personal finances is daunting. Budgets just don’t work for you. 
You work hard, and you deserve a break! You want to plan a vacation for your family, or buy a new car, but you’re worried you can’t afford it. Somehow, knowing is even worse than wondering. After all, you’ve got student loans, a mortgage, and credit card debt to pay off, while you’re busy starting a career or caring for your kids. 

Finances are the new monster under the bed

You know you need to get your financial situation under control, but figuring out where to start is difficult enough. You’ve got a life to live, groceries to buy, and bills to pay. The last thing you want is a budget telling you what you can and can’t do.

You’re in the dark when it comes to your money, but you’re nervous about flipping on the light.

If you hear the word “budget” and want to run away, you’re not alone. But what if your budget was your greatest asset, instead of your greatest enemy? What would your life be like if you had complete control of your finances? 

Enjoy dates on the town, meals at your favorite restaurants, and shopping at your favorite stores without feeling like you’re doing something wrong.

Gain the freedom to make big decisions — like buying a house, going back to school, or having a child — without worrying about whether you could afford it.

Never again feel financially trapped when the unexpected happens, from home repairs to an opportunity to move across the country for a new job.

Splurge without the guilt, indulging in the European vacation you’ve dreamed of, or the new car you want.

What if you could take control of your money without feeling stifled by your budget? 

Imagine if you could:

Here's How

Save to Splurge Works


Learn Healthy Habits

Dig into your financial reality, values, and goals, so you can feel good about your numbers and spending.


Plan Your Budget

Leverage a unique budgeting system designed to account for all your needs and expenses, in real time.


follow Through

Turn your new budget system into an easy routine that funds your dreams and supports your life.

Meet Your Financial Coach

I’m Jennifer Pham, and I can bring you financial clarity.

I bring to the table years of experience as a Certified Public Accountant who worked on the accounts of Fortune 500 companies — and saw an opportunity to create a bigger, more personal impact.

By empowering women to understand their finances, I free them from uncertainty, fear, and feeling like they have to “ask permission” from their partner to spend money. Especially because their partners often have as little financial know-how as they do! This simply isn’t something taught in schools.

My clients go from scared to savvy — transforming into the confident Chief Financial Officer for their family. They claim true financial freedom. Through my unique budgeting method, my clients (and I!) have dug themselves out of debt, saved for the future, and splurged on what they want.


Save to Splurge helps women like you (and your family) feel great about your money. 

It’s time to do away with allowances and overspending, and develop healthy financial habits through easy, actionable steps. In doing so, you’ll be able to gain back confidence in yourself and your life, instead of feeling lost or afraid. You’re too smart and hard-working to let your money continue to scare you. Take back control — you’ve got this!

Ready to get started? 

Here's How:

Budgeting TooLS

Save time and energy with the Save to Splurge budgeting spreadsheets. With my unique formulas ready to go, and video tutorials to guide you, saving and going debt-free has never been so easy.

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Financial Coaching

We’ll work together to create a budget aligned with your spending habits and goals. You’ll gain clarity around your finances and create a roadmap for success. In just a couple sessions, you’ll be a budgeting genius.

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Consultation Call

Not sure where to start? Book a consultation call with me. I’ll help you gain clarity for your specific situation. You’ll learn how your numbers can work for you, which resources are perfect for your needs, and how you can afford luxuries.

Book your call

Once you have control of your budget, life becomes easier. You’ll see numbers aren’t scary, and you can both save money and afford to live the life you want. 

It’s empowering to know how your finances work, and even more so to wake up each morning knowing which direction your bank account is headed. You’ll be amazed how much more stable and excited for the future you’ll feel.

Numbers can become your best friend

Ready to take the guesswork out of your finances?