PACKAGES

Rubie’s Gems, LLC works to assist you in not only cleaning up your past, but having a sound financial future. This is about more than just money management; I am working with you to create positive financial habits that will assist you for a lifetime. Rubie’s Gems is about people as a whole, and how being a good steward of your finances can have a positive impact on your health. It was created with you in mind and dropping GEMS in your life:

G- Gather your information

E- Evaluate your options

M- Manage your money

S- #Securethebag

We offer two ways to assist you with #securingthebag: GEMS Discovery Coaching Program and GEMS Treasure Chests. These offerings are packed with multiple benefits to fit the needs of all different financial scenarios.I want you to know this is a judgment free-zone! Yes, we will be discussing your finances, but there is no reason to feel anxiety or worry over the discussion. As I expressed in my story, I HAVE BEEN IN YOUR SHOES or ones that fit possibly similar. These options are designed to assess where you are currently and do all we can to plan for a brighter future.

The GEMS Discovery Coaching Program is an 8-week In-Depth Group Program designed to help you #securethebag. We review your current financial situation, work to develop a positive money mindset AND remove all the things standing in your way of Financial Freedom!

GEMS Treasure Chests is just as powerful as the coaching program, but is a 1-ON-1 client specific option. The client identifies the areas of focus; in which they will receive a customized package to tackle their financial obstacles. This gives you the freedom to identify as little or as much as you would like us to focus on and we work at your pace! These options are all based on the comfort of the client.

I know you can do it, NOW…. “help me, help you…. let’s get this money right!”

Budget Gemstones
• Money Assessment
• Customizable Budget Templates
• G.E.M.S Budgeting Methodology
• Short & Long Term Goals Development
• Online Financial Resources
• Recommended APPs
• 2 Consultations

Major Events Gemstones
• Money Assessment
• G.E.M.S Planning Methodology
• Short & Long Term Goals Development
• Planning for:
—— Weddings
—— Purchasing a home
—— Maternity Leave/ Stay at Home
—— Relocation
—— Retirement
• Online Financial Resources
• Recommended APPs
• Bi-Weekly Accountability Calls
• And more….

Credit Repair Gemstones
• Money Assessment
• Credit Report Review
• Credit Report Dispute & Outreach
• Credit Score Analysis
• G.E.M.S Repair Methodology
• Online Financial Resources
• Recommended APPs
• Bi-Weekly Accountability Calls
• And more….

Debt Repayment Gemstones
• Money Assessment
• Snowball vs. Avalanche
• Debt Elimination Analysis
• G.E.M.S Repayment Methodology
• Interest Rate Review
• Credit Cards that Work for You
• Online Financial Resources
• Recommended APPs
• Bi-Weekly Accountability Calls
• And more….

Emergency Fund Gemstones
• Money Assessment
• Importance of an Emergency Fund
• Development Options
• G.E.M.S Emergency Methodology
• Online Financial Resources
• Recommended APPs
• Bi-Weekly Accountability Calls
• And more….

Emerald Package (3-month starter plan)
This Package Includes:
• Money assessment and review
• Establish short-term and long-term goals
• Review of Federal and State withholding’s to diminish the chance of owing funds/tax bill
• Face to Face or Video Consultation (Money Mindset and your relationship with money)
• Budget Template (client completes) and review
• Snowball vs. Avalanche debt repayment discussion
• Emergency Savings Plan
• Bi-Weekly Accountability Calls
• Monthly sessions to discuss progress and revise areas of concern
• And more….

Ruby Package (6 months)
This Package Includes: Emerald Package +
• Robust Budget Template (counselor assists with creating) and illustrations
• Review of Credit Report and Credit Score
• Debt elimination analysis & strategy
• Online financial resources
• Recommended APPs to assist with tracking your money
• Small Savings Goal Plan (less than $5,000)
• Bi-Weekly Accountability Calls
• Monthly sessions to discuss progress and revise areas of concern
• And more….

Blue Diamond (9 months): 
This Package Includes: Ruby Package +
• Credit Report dispute and outreach
• Review of interest rates and collaborative work to reduce your credit card APR
• Savings Goal Plan ($5,000 or more)
• Discuss your skills, gifts, and talents to earn more income
• Bi-Weekly Accountability Calls
• Monthly sessions to discuss progress and revise areas of concern
• And more….

Small Crystal Upgrades*

• Robust Budget Template + :$20
• Debt Elimination Analysis + :$50
• Review of Credit Report and Score + :$25
• Credit Report Disputes/Outreach – :$100
• Interest Rate Review and Possible Reduction – :$75

+ Available for Emerald Package
– Available for Ruby Package

*You are only allowed one upgrade option