Let me start by saying...
I get it.
When it comes to struggling with money, I've been there, done that & got the credit-card-debt-to-prove-it T-Shirt.
You see, in August of 2013,
I hit financial rock bottom.
After three decades of lying to myself, my husband, my children, and my friends about my finances, my income was hopelessly dwarfed by overwhelming debt.
I was in deep trouble - out of time and seemingly out of options.
I kept asking myself - "How Did I Get Here?!"
No one looking at me from the outside would guess what was going on beneath the surface.
I was married with two grown children. We lived in a lovely town in a lovely home. In fact, I had been raised in a quintessentially quaint and charming small town in New England – my entire life had been filled with apparent perfection, but it masked a much harsher reality.
My father didn’t believe a woman should be financially self-sufficient. That was the work of men.
Whilst my mother compliantly followed my father’s rules, I was not so agreeable.
Mom did give me one very valuable piece of advice though: “Get out as soon as you can!”
And that’s what I did, leaving home at 17 to attend college against my father’s wishes.
At last free of my his overbearing presence, I celebrated by living a life where I fulfilled every impulse and desire, all made possible by easy credit.
Everything I bought gave me a heady sense of living my own life.
Frankly, it felt good.
And it continued...
Throughout my early social worker days, returning to school, getting married, having children...
one thing was constant:
my out-of-control spending habits.
Even as the debts mounted, I didn’t dare admit it – not to my husband, not to my friends, not even to myself (especially not to myself).
I became expert at hiding things, keeping uncomfortable secrets, and I perfected the fine art of manipulation -- anything to make sure my impulsive behavior could continue unchecked.
Despite that, the destructive grip of money addiction had a way of coming out.
It stressed my marriage to breaking point and confused my relationship with my children.
Looking in the mirror on that August day in 2013, I'd never felt so alone.
I knew something had to change.
I couldn't go on the way I had been. It was destroying my marriage, my family - and my confidence in myself.
So, finally I took action.
I pursued education again - but this time, I was on a mission to learn as much as I could about finance and financial recovery.
Even so, it wasn’t until I hired my first money coach that I actually started making real headway.
It wasn’t easy.
In fact, it was the hardest thing I have ever done - but boy was it worth it!
Today, my life looks nothing like my past.
There are no more secrets.
My relationships with my husband, children, family, and friends are much richer.
And even more importantly - I’ve been able to heal my relationship with myself.
I no longer look in the mirror with self-loathing - and that, to me, is priceless.
It's now my joy and privilege to guide my clients in rebuilding their relationships not only with money, but also with their loved ones and themselves.
Qualifications & Experience
Our society places a value on the accumulation of credentials, degrees and certifications. I subscribed to that philosophy for many years and have educated myself accordingly.
Today, I sit from the vantage point of age and wisdom and believe that while education has its place, experience makes up for what no institution can teach. I like to think you will benefit from both my education and life experience.
Masters in Business Administration (MBA)
Masters of Education (MEd)
Dave Ramsey Master Financial Coach
Karen McCall’s World Class Money Coach
10 Things You Didn't Know About Pam
🍫 1. Favorite Indulgences: Coconut & Chocolate – cakes, candies, cocktails
🍽 2. First Job: Bus Girl at the Carriage Inn Restaurant, age 13
🏈 3. Favorite Sports Teams: New England Patriots & The Seattle Seahawks
📺 4. Favorite Reality Shows: Shark Tank, Dancing with the Stars, and anything Bachelor Franchise
🏝 5. Favorite Vacation Spot: Seven Mile Beach, Grand Cayman
👶 6. Favorite Childhood TV show: The Mary Tyler Moore Show
♐️ 7. Zodiac Sign: Sagittarius
🍿8. Favorite current television show: The Marvelous Mrs. Maisel
📚 9. Hobbies: Reading, Cooking & Traveling
🗺 10. #1 Bucket List item: Travel to all 50 states and three foreign countries
Who better to guide you than someone who has already walked through it?