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I know what you’re thinking: You’re scared of seeing the numbers. And, no judgement — I get it.

It’s scary to look at your bank account, open your credit card statements, and take a real look at your personal finances. You want clarity around your spending habits and your ability to save, and yeah, you want to splurge every once in a while. But you’re not sure where to start. 

It can get better, and I can help.

Don't gamble with your budget

I’m fortunate that I’ve always enjoyed numbers and the stories they tell. 

It all started in high school, when I developed my first budget and turned cash from my waitressing job into my first car, a white Volkswagen Beetle. I leaned into my love of numbers, earned a Master’s in Accounting, and landed a position as a Certified Public Accountant for one of the “Big Four” accounting firms, navigating the finances of Fortune 500 companies. 

But the traditional path wasn’t my calling. 

I wanted to use my skills to make a more personal impact. I’ve met so many women who feel out of control in their own finances. Their struggle to manage their money has impacted their decisions, careers, and families.

It became my mission to show women how to become the Chief Financial Officer (CFO) of their household. I took what I’d learned as a CPA and developed my own, unique budget system for women and families –– one that helps them track their spending in a realistic, meaningful way, and allows them to create equilibrium in their money, their marriage, and their lives.

I’m a Certified Public Accountant. I’m here to help you get your budget - and your life - in order. 

Numbers have always been my thing

Let me show you why numbers are empowering, not scary.

My name is Jennifer Pham

I know what it’s like to be deep in debt, and what it’s like to climb free.

When I married my husband, I also married his six-figure debt. It could have been disastrous. Not only were we swimming in repayments, but we were living paycheck to paycheck. It felt like, no matter how hard we tried, we could never get ahead. 

We wanted savings, security, and financial freedom, but it felt so far off. We knew we needed to do something different, or our situation would never change. So we stepped back and implemented my budgeting method.

As a result, we broke down our spending, took strategic action steps, and paid off every cent –– all while moving across the country and starting a family.

Eliminating any size debt and saving to splurge, is a matter of having the right map. 

Don’t stay in the dark about your budget.

If you’ve ever found it hard to stick to a budget, it’s because most budgets aren’t set up the way people really think and spend. They put the income up top and list your expenses below. You’re left with what’s on the bottom. 

But that's not how life works. You don't go out and buy all your groceries at one time. You most likely don’t get paid once a month. Big expenses like car insurance might only show up every six months. 

My budgeting method is different

It follows your bank account, so you never miss a bill, you never overdraft your account, and you never run out of cash. Plus, you’ll be able to save for your goals — whether that’s paying off debt, traveling to Hawaii, or buying a house. Best of all, it’s so quick, easy, and painless, it will become second nature.

When you work with me, you’ll learn a better budgeting method, become a money-saving machine, discover healthy financial habits, and discover curated resources.

It's empowering when you understand how numbers work and where your money is going. That’s what I want for you.

My business is called Save to Splurge for a reason. I’ll never tell you not to buy an expensive car or a fancy vacation. Get that Tesla and book that 5-star hotel! And when you use my method, your budget will tell you when it's okay to do so. That way, you can enjoy splurging, not fret about your bank account.

Ready to take control of your finances?