Take the Driver's Seat of Your Finances
TAKE THE DRIVER'S SEAT IN YOUR FINANCES
Abundant Budgets™ IS GETTING A GLOW UP
with The 12-Week Challenge!
Step-by-step support for high-capacity, faith-filled women to turn good income into real abundance
— by building the systems and wisdom that grow both the money and the manager.
— by building the systems and wisdom that grow both the money and the manager.
The way you've been doing things up to this point is no longer good enough for you.
You dream big but feel intimidated by money and are ready to change that in a big way -- so you can enjoy peace and build a huge life with the people you love.
This isn't about being a perfect spreadsheet princess.
This is about becoming a confident, wise financial steward in your home.
Program Features
Abundant Budgets™ App
Built for high performance, daily wins, faster results, and transformation that feels like play.
Daily, step-by-step missions to learn and apply budgeting and personal finance concepts through Ruth's down to earth approach and unique framework! Apply the money tools and concepts in a useful order of progression!
Abundant Budgets™ Group
Structured group sessions with Ruth! Ask your questions, and address your roadblocks! REAL support, accountability, connection, and inspiration!
Can't make it live? Email Ruth your question and The Group will address it together! Watch the recordings for the answer!
Here's What We'll Cover:
📌 You and Money — so you can rebuild trust with yourself and reconstruct a productive relationship with money.
📌 You Are Here — so you can finally see exactly where you stand and take the guesswork (and hair-pulling tug-of-war) out of what comes next.
📌 A New Plan That Masters — so you can build a plan that fits your whole life while focusing you on what actually moves you forward.
📌 Systems That Automate — so you let smart systems do the heavy lifting while you keep CFO-level oversight.
📌 Pillars That Elevate — so your money builds a bigger life by leaning on your strengths and intentionally improving what challenges you.
📌 Skill Sets That Reinvent — so you can work smarter, not harder, and experience full financial excellence and freedom.
It’s about making informed decisions with purpose — because working hard to make money only to stressfully neglect it afterward is just too damn costly.
— designed for daily wins, faster results, and transformation that feels like play.
✨ Personal support from me throughout the journey.
✨ Founding-member pricing at 50% off.
Schedule a Discovery Call to secure your spot.
Imagine Where You Could Be 12 Weeks From Now:
- Calm. Clear. Confident.
- Spending without guilt while crushing your goals.
- Doing ANYTHING besides stressing about money.
- Finally trusting yourself with money — and having a hallelujah-and-hell-yeah kind of time doing it.
Let’s make it happen together. Now.
"Having a financial coach is definitely worth it. Ruth delves in to more than just the numbers and a budget. I have improved in every aspect of my life. Ruth has helped me understand ME, and how to customize the tools and information in a way that best serves me and my circumstances. She helps me keep my eyes on the prize. I believe that I can truly become a master of my money."
“Ruth has the ability to use your life experiences and current understanding to reach your goals. She does not make you feel like you've made a mistake or don't know what you are doing. I have learned I can be in control of finances; that many of the ideas I had could work if I had the support of others; that being honest about how you feel about money can help work through your hang-ups. Thanks so much! This is much more than money. It's life and how to navigate all that goes with it.”
WARNING!
Seeing and doing things differently than you see and do them is HARD. My clients have all been where you are now and have made it to the other side, so DO NOT waste time trying to re-invent the wheel.
Time is actually your most precious and scarce resource. It's the only resource you can't get more of and it has the biggest impact on your ability to have an abundance. And support is your most powerful changer.
You don’t have time to waste — you need a better system. Let’s get you the peace you’ve been hoping for!
I will never forget how frustrating that was!
I went back to the old-school ledger where I tracked my money and realized it had all gone to pool passes, snow cones, and 100's of penny candies. As I stared at the proof of my hard-earned money disappearing $1 at a time, I determined then that I would never let my hard-earned money evaporate absentmindedly into things that were gone in an instant. (Yes, I really did have these thoughts as an 8-year-old.) I had the same agonizing lightbulb moment that everyone has at some point in their life.
And what a gift this moment is!
I made sure to plan where my money would go before I spent anything. I said no to things I didn't really love, and to set money aside for future me. I learned about the stock market and compound interest. I observed how other people used their money, what seemed to work and what didn't, and how it impacted their lives and relationships. I was prayerful about money and searched out what the scriptures and nature reveal about how God manages resources.
That is the beautiful power of an Abundant Budget™!
DO THE WORK.
GET RESULTS.
GUARANTEED.
GET RESULTS.
GUARANTEED.
I am confident that if you complete the program and implement what you learn, you WILL get results.
If you DO THE WORK, but are not satisfied, you may request a refund by emailing support@ruthliebelcoaching.com within 60 days of purchase.
So if you want to enroll just to take a look around, don't waste any more time.
This program is only for those who are committed to giving it their best shot.
Is It For You?
STABLE INCOME
Investing in a program like this one is always an act of faith, but it should NOT put you in financial stress or hardship.
If your current primary concern is insufficient income, dealing with creditors, or considering bankruptcy, then this is NOT the program for you. Contact Ruth for great referrals.
BRAIN SPACE
You need to have the brain space, health, and habit to learn and tackle new things. The course and homework can be done at your own pace, but most members set aside ~2 hours per week to focus on finances.
Everything is broken down into doable tasks, plus you'll have Ruth's expertise and endless resources. But you have to do the challenges! The savings in money, time, energy, opportunities, mental and relational health in perpetuity are definitely worth the investment.
WANT HELP
The high level of quality personal coaching is a special difference compared to other online financial courses.
GOOD VIBES
Financial conflict in marriage may be a big motivator to join this program, but it's important that communication and trust between spouses are still functional. Or, a decision has been made to separate or divorce.
The presence of compulsive gambling, higher levels of financial infidelity, or high conflict in multiple areas of marriage is better served with marriage therapy or professionals who specialize in addiction.
DEDICATION
This program is loaded with inspiration and easy wins, and coaching can certainly refuel a fire when it's low. However, you must come with dedication to improve your finances, willingness to try new things, and commitment to do the work.
Motivation and follow-through can be encouraged, but not purchased.
CHRISTIAN APPRECIATION
And you do need something bigger than yourself that drives you with a strong moral compass.
If this isn't something you'd be comfortable with, you will likely be better served with a different coach. Contact Ruth for some referrals.
RELIABLE TECH
A desktop is preferred for group sessions to make screen share easier, but many members join on the go with their phones.
"I wanted to feel confident budgeting for my family, to know how to plan and see the future of money, to feel worthy spending money, and to feel less intimidated by budgeting and numbers. I did achieve this! I feel like Wonder Woman compared to when I started with Ruth! Ruth helped me find accountability, language for what I was struggling with, and it gave me clarity on what my issues were. Also, some of her recommendations were LIFE/GAME CHANGERS FOR ME.
When I plan how to spend my money, there is less guilt about how it is spent and it helps me design my dream life. I feel empowered because I am being responsible for what I do with my resources. I am forever grateful."
"My husband came to me with the idea...I wasn't too keen on it. We meet with Ruth and got some questions answered. Then, I jumped all in: watched the courses, did the homework, created a real budget (Not just tracking my bills and expenses), and saved $30,000 in a year! It shocked me to see I was wasting all that money every year.
Ruth's help made many other things possible for us. Then, this year, I got laid off from work. What could have been a disaster turned out to be a blessing. With Ruth's help, I didn't worry about how I was going to pay my bills or miss out on any of the fun things we had planned (even vacations). With the stress of finding and starting a new job, I wasn't stressed about my finances. Ruth has opened so many doors for us with the skills, support, encouragement and humor she provided."
In 90 days, you could have:
- a solid working budget
- completely independent of credit cards
- crushing your financial goals
- PEACE!!
- completely independent of credit cards
- crushing your financial goals
- PEACE!!
When a woman WANTS to improve her situation, she WILL. And I love being there to watch and help as she does.
To have a front row seat to watch a woman improve her financial possibilities, relationships, mental health, self-esteem, and unshaking confidence is a the delight of my job.
I also know that, no matter how chaotic your life feels, it will never get easier to set yourself up for that peace than right now.
I want to help you astound yourself with what you are capable of.
I want you to know the magic of having an Abundant Budgets™--a budget that actually works for you, that takes you where you WANT to go, and makes your life BIGGER because it puts you in the driver's seat and ensures your money goes to the things that you value over the long run.
Ruth teaches sustainable practices that lead to change. Do yourself and your relationships a solid and get in touch with Ruth. She will not let you down. Don't spend another moment stressed about finances. You can make a change.
FAQ
What makes this different from other programs?
Money stops being what you spend to have nicer things. It becomes what you produce and steward to make life bigger, freer, and more beautiful in every way.
You absolutely will walk away with a rock-solid written plan and all the important financial tools and systems, yes.
But the Abundant Budgets™ 12-Week Challenge isn't another budgeting app that teacher you to count dollars while ignoring the woman counting on herself.
It's the program that guides you through (re)constructing the confidence and systems of a woman who can manage and multiply anything -- money, peace, opportunity, and impact.
You'll learn to manage money by mastering yourself -- your thoughts, your patterns, your power.
This program makes YOU the asset -- the kind of woman whose confidence permeates into her family, and whose clarity compounds into decisions that create generational ripple effects.
You'll stop chasing the next raise or living for the next paycheck and start operating like a woman who has her crap together - the kind who attracts, keeps, and multiplies wealth.
It isn't about getting better at math. It's about a perspective and systems that multiply your wealth and magnify your wisdom while converting you into the woman you and your money can finally trust.
How much time will it take?
The group coaching is designed to be beneficial until you reach all your financial goals or have no more questions about personal finances. ; )
This isn't a quick-fix gimmick. If you're looking for another pretty spreadsheet or a new way to blame your husband's lunches or "the patriarchy." then this isn't your thing.
That said, I built this for real women with real lives -- managing kids, businesses, calendars, and chaos. Every step is broken into bite-sized actions inside the app, so you'll always know exactly what to do next.
You are already spending time on money -- manually paying bills, fighting about expenses, staying up too late doing mental math, working hours just to cover interest, or just annoyed you don't feel as abundant as you expected at this stage.
You think about it while driving, cooking, or falling asleep. It's the shadow that follows you through the day because you're foggy about what's really going on or what you need to be doing.
The Abundant Budgets™ 12-Week Challenge changes that. With about 30 minutes a day, or 3.5 hours a week, you'll replace panic-time with progress-time. It's not about adding more to your list -- it's about reclaiming time, energy, and peace one doable win at a time.
If you're ready to put in some front-end work so you can finally claim your time and brain space on the back end, then this is exactly where you belong.
What if my husband isn't 100% on board?
The good news? You don't need him fully to start - or even ever. My husband of 18 years is usually pretty aloof, but appreciative.
Your support group of incredible women and I will be there to keep you energized for the task. You'll also learn tools that let you make progress independently, consider him in the plan, and still leave room for partnership.
One of the program bonuses focuses entirely on working with your spouse -- it helps you learn how to have productive, low-drama money conversations and to include him at whatever level he's ready for, without losing momentum yourself.
When he starts to see you calmer, clearer, and more in command, he'll feel the shift. And trust me -- peace is contagious.
Isn't it a bad time to start -- right before the holidays?
That's like asking, "Isn't it a bad time to get married right when we're planning to get pregnant?"
It sounds reasonable...until you realize that's exactly when you need the commitment most.
The holidays one of the biggest financial saboteurs of the year.
They bring out every trigger -- guilt, obligation, generosity, comparison, pressure to make everyone happy (even if it costs your peace.), and that crazy habit we have to think our dollars can pay for more than they actually can.
Without a plan, it's like walking into a snowstorm in stilettos -- you're going to slip, it's going to hurt, and you'll still be feeling the pain months later.
A good plan won't kill your holiday spirit -- it will protect it. It will help you say no without guilt, give on purpose, and skip the chaos disguised as "tradition."
Inside the Abundant Budgets 12-Week Challenge, you'll learn how to make confident decisions that keep your family, finances, and faith intact -- and finally stop over spending or wasting money on things just to prove you're "doing enough."
Because let's be honest -- the financial hangover from the holidays may not stop in January. Sometimes it lingers through April, May... sometimes all the way to July.
And you deserve better than another year of paying off Christmas when it's already pool season.
This isn't a bad time to start -- it the most powerful time. Start now, and walk into the holidays with calm, clarity, and the kind of intentionality that brings tru joy and connection.
Why would I pay for a coach instead of putting that money toward my financial goals?
Albert Einstein said, "We can't solve problems with the same thinking we used when we created them."
If it helps, every client to date who has worked with me and did the work with even moderate effort reports it was worth every penny. I intend to keep it that way.
I understand investing in yourself and a program like this is a huge leap of faith. And like all leaps of faith, it requires you to focus on the hope of the benefits rather than the cost. If you commit to the course and do the homework assignments, the money will come back to you 1000's times.
If you meet the "Are Your Ready" criteria, but aren't sure this is the right program or I am the right coach for you, you are welcome to schedule a free consultation. If I'm not the coach for you, I will connect you with other coaches who could be.
How can I pay for coaching when I'm living paycheck-to-paycheck?
Clients usually find the money in their current budget using their new skills. Some decide to pull from savings. Other people cash in on Birthday/Christmas money or sell stuff hanging around the house or storage unit.
Some employers will pay part or all the cost. Use this PDF to start the conversation. Many clients make the money on the side or even earn promotions and raises at work from applying the skills they learn.
I discourage the use of credit because there is nearly always another way; finding the funds could be looked at as your first homework assignment. ; ) That said, I understand those skills are exactly what you know you lack, and I am very confident in what you will learn in the courses and through coaching. So, if you really can't figure out another way in the next month or two, and if you are committed to doing the work, then.....
Is Ruth accredited or licensed?
Still, I have a bachelor's degree in family finance--my practicum was in financial counseling, I'm a YNAB Certified Coach, and I completed Ramsey Solution's Master Training program. I have been budgeting and investing since my childhood, and I've helped 100's of people achieve their goals. I do NOT take lightly the trust and confidence people place in me, and I work hard to be excellent at what I do.
If you would like more info about my qualifications, visit the About Ruth page.
Does coaching really work?
Coaching can increase your success by more than 80%!!
Financial coaching is not a service of hours worked but of accountability, experience, and TRANSFORMATION.
- Changed insight
- Shortened learning curve
- Better tools--physical and metaphysical
- BIG support and awesome accountability
- Time saved
- Money saved
- Frustration spared
- and RESULTS, result, results!
Financial coaching is even beneficial when done vicariously, which is one of the great things about group coaching. Even if you don't know what questions to ask, you can learn as you watch other people work on their stuff.
How much personal coaching will I get?
LOTS! The Abundant Budget Group sessions and community platform are ALL about getting personal attention every time! I am also very accessible via email for questions that are sensitive in time and nature.
What is the cancelation and return policy?
The 12-Week Challenge is for doers. If you do the work and it doesn't work, I will make it right.
Too often, refund policies enable indecision or lax commitment, which are two things I help my clients to reduce in their life. I'm really big on people having enough information to make a good decision. If it feels like the AB Challenge and I are the help you want but you still have questions or concerns not addressed in the information above, contact me or schedule a discovery call. There is zero pressure. I don't want to sign people who aren't 100% sure this is what they want.
Because there are so many factors and variables to life and money, there aren't any number metric guarantees. There is the guarantee that I will show up every session prepared and ready to provide as much value as possible. You will have access directly to me via email, and the course is created to address the common questions and struggles around taking control of your money. I am deeply invested in my clients' success, but I can't prevent life from life-ing nor do the work for clients. If only...
If unforeseen life happens that makes it unreasonably difficult to continue with the program or private coaching, I will work to create a solution with clients who communicate with me. I am totally invested in all my clients' success, and 99% of the time clients would rather have help than a refund.