Valkyrie Family Financial Counseling

Valkyrie Family Financial Counseling Supportive financial counseling focused on clarity, stability, and confidence — without shame or judgment. Personalized budgeting and debt payoff planning.

Proudly serving Drumright and surrounding Oklahoma communities, with virtual sessions nationwide.

Sometimes you don't need another budgeting app, spreadsheet, or list of things you should be doing.You need someone to s...
09/04/2026

Sometimes you don't need another budgeting app, spreadsheet, or list of things you should be doing.

You need someone to sit down with you and help you make sense of your actual financial situation.

That's what we do in a Financial Foundations Session at Valkyrie.

Together, we'll look at:
💙 Where your money is going
💙 What's creating the most pressure
💙 What's working—and what isn't
💙 Your priorities and goals
💙 Where to start making changes

You don't have to have everything figured out before you come.
That's what the session is for.

If you've been feeling stuck or overwhelmed by your finances, I'd love to help you find a place to start.

📩 Schedule a free consultation to see if financial counseling is right for you.

Strength for your finances. Stability for your family.

A budget isn't a grade. 💙You don't get an A because you stayed perfectly on track, and you don't fail because one catego...
09/02/2026

A budget isn't a grade. 💙

You don't get an A because you stayed perfectly on track, and you don't fail because one category went over.

Your budget is there to help you see what's happening with your money, make intentional choices, and adjust when life happens.

Maybe groceries cost more than you expected.
Maybe the car needed a repair.
Maybe you had an expense you forgot to plan for.
Look at what happened. Learn from it. Adjust. Keep going.

Your financial plan should help you move forward—not make you feel like you've failed.

Strength for your finances. Stability for your family. 💙

I'm creating two financial education presentations for the OK Game Changers Conference through the Oklahoma Literacy Coa...
08/31/2026

I'm creating two financial education presentations for the OK Game Changers Conference through the Oklahoma Literacy Coalition, and this project has been such a fun combination of things I love—teaching, financial education, curriculum development, and figuring out how to make complicated things actually make sense.

One is From Financial Worksheets to Real-Life Decisions, designed for instructors and facilitators.

The other is Making Sense of Your Money, focused on making financial concepts practical and approachable for learners building foundational skills.

What I love about this project is getting to pull together so many different pieces of who I am—my real-life experiences, my graduate studies, my love of teaching, my work in financial counseling, and yes...my slightly quirky way of looking at things. 😂
Because knowing how to fill out a worksheet is one thing.

Knowing what to do when you're standing in the grocery store, looking at your paycheck, trying to figure out a bill, or making a financial decision is another.
That's the part of financial education that really gets me excited.

It's pretty cool watching something go from "I have an idea" to "I'm actually building this." 💙

I'm excited to keep working on these and eventually get them in front of instructors and learners!

There's no magic number.Start with the expense you're planning for.If you expect to spend about $600 on something over t...
08/28/2026

There's no magic number.

Start with the expense you're planning for.

If you expect to spend about $600 on something over the next year, you'd need about $50 a month to fully fund it.

But if $50 isn't realistic right now, start with what you can.
Even $10 a month is $120 you wouldn't have had otherwise.

The goal isn't to create a perfect sinking fund overnight.

The goal is to start turning an expense that used to surprise you into an expense you're preparing for.

Small steps can create breathing room. 💙

One of the biggest differences between an emergency and an irregular expense is whether we can reasonably expect it to h...
08/26/2026

One of the biggest differences between an emergency and an irregular expense is whether we can reasonably expect it to happen.

We may not know exactly when the car will need repairs.
We may not know exactly how much Christmas will cost.
We may not know every school expense we'll have this year.

But we probably know those expenses are coming.

That's where a sinking fund can help.

You don't have to know the exact number. Start with your best estimate and adjust as you learn.

Planning doesn't have to be perfect to be useful. 💙

Some expenses don't happen every month—but that doesn't mean they have to surprise you.Back-to-school expenses are a gre...
08/24/2026

Some expenses don't happen every month—but that doesn't mean they have to surprise you.

Back-to-school expenses are a great example. The school supply list is only part of the picture. Field trips, picture day, yearbooks, activity fees, class shirts and all those little extras can add up quickly.

But this applies to so much more than school:
🚗 Car repairs
🎄 Christmas
🏠 Home maintenance
💳 Annual bills
🎂 Birthdays
⚽ Kids' activities

These expenses aren't necessarily emergencies. They're just irregular.
In this week's blog, I'm talking about how to identify those expenses, figure out what they actually cost, and start planning for them—even if you can only set aside a little at a time.

A little planning today can create a lot more breathing room later. 💙
📖 Read the full blog: https://www.valkyriefamilyfinancialcounseling.com/blog/the-expenses-you-forgot-to-budget-for-how-to-plan-for-the-extras

Our kids spend years learning how to read, write, solve equations and understand history.But eventually, they're expecte...
08/21/2026

Our kids spend years learning how to read, write, solve equations and understand history.

But eventually, they're expected to know how to manage a paycheck, budget their money, understand credit, choose insurance, buy a car and make financial decisions that can affect them for years.

Where are they supposed to learn all of that?
That's one of the reasons I created STEADY.

STEADY is a practical financial education program designed specifically for teens and young adults.

We cover the real-world money skills they need as they move toward independence—including:
💰 Budgeting & managing a paycheck
🏦 Banking & building healthy financial habits
💳 Credit & debt
🚗 The true cost of owning a car
🏠 Housing & insurance
💵 Saving & preparing for the unexpected
📋 Making confident financial decisions

My goal isn't to teach young people how to create a perfect spreadsheet.
It's to help them feel more prepared when the financial decisions become theirs.

As a mom of three, I know how quickly those "someday" conversations become very real. I want my kids—and other young people—to have a chance to practice these skills before they're making those decisions on their own.

If you have a teen or young adult who could benefit from a more structured approach to financial education, I'd love to tell you more about STEADY.
Send me a message or visit my website to learn more. 💙

Financial education doesn't have to be complicated.A young child can learn about saving.A middle schooler can learn abou...
08/19/2026

Financial education doesn't have to be complicated.

A young child can learn about saving.

A middle schooler can learn about comparison shopping.

A teenager can learn about credit, paychecks and the true cost of owning a car.

A young adult can start learning how to build a budget for real life.

The goal isn't to teach everything at once. It's to build skills over time.

And if you're looking for something more structured for your teen or young adult, that's exactly why I created STEADY. 💙

Back-to-school isn't just about academics. 📚Our kids are learning about money whether we intentionally teach them or not...
08/17/2026

Back-to-school isn't just about academics. 📚
Our kids are learning about money whether we intentionally teach them or not.
They're watching us shop, asking for things, learning to save, comparing prices, and eventually making financial decisions of their own.

The good news? You don't need a formal financial curriculum to start teaching money.

Everyday moments can become some of the best lessons.

I put together five simple money lessons you can start incorporating into everyday life—from wants and needs to saving, spending and learning that a sale doesn't always mean you've saved money.

And if you have a teenager or young adult, I also share a little about STEADY, the financial education program I created to help young people build practical money skills before they're on their own.

Read the full blog: https://www.valkyriefamilyfinancialcounseling.com/blog/back-to-school-isnt-just-about-academics-5-money-lessons-kids-can-learn-this-year

First: don't panic.Look at what you've already spent, what you still need, and what you can realistically cover.Then use...
08/14/2026

First: don't panic.
Look at what you've already spent, what you still need, and what you can realistically cover.
Then use this year's experience to start planning for next year.
Even $10–$20 a month can add up to something meaningful by the time August rolls around again.
Financial progress doesn't have to start perfectly. It just has to start. 💙
I've shared more practical ideas for handling back-to-school expenses in this week's blog.

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Drumright, OK
74030

Telephone

+19183521111

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