sign up for your free debt tracker spreadsheet!

get it now

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 finances

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

I leaned into my love of numbers, earned a Master’s in Accounting, and landed a position as a financial statement auditor 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 relationships, and their lives.

I’m a Certified Public Accountant. I’m here to help you get your finances- 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
Jen

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?