Let’s create your indie budget, together.
Financial independence is about taking control of your finances and feeling confident and secure in your short-term and long-term financial decisions, knowing that you have a plan to meet your goals.
Philosophy
Budgeting is simply a tool to help you achieve your goals. The act of creating a budget and tracking your spending sheds a light on what you value, providing an understanding of where your money is going and allows you to make the best financial decisions for you and your family.
Budgeting does not need to mean depriving yourself. It allows you to take control of your finances! This is why I don’t shy away from the word budget.
I am here to support you to feel confident and secure with your financial decisions and to provide you with the tools and strategy to meet your goals, whether you want to buy a house, pay off debt, establish emergency savings, save for college, travel more or retire early.
I also understand that not everyone gets as excited by numbers as I do, so my approach is simple, balanced, practical and individualized to meet your personal needs.
I am your accountability partner on your path to feeling independent but I will ensure you never feel alone.
Personal Indie Budget Programs
A partner to help guide you.
A discussion of your goals and priorities.
A spending review and preparation of a monthly budget.
A customized, evolving plan to meet your goals based on your personal needs.
Periodic meetings and accountability check-ins.
Corporate Financial Wellness Programs
Company-sponsored individual sessions for employees
Financial Wellness Webinar
60-75 minute webinar: 10-step path to financial wellness
Financial Wellness Series
30-45 minute webinar series: 6 webinars
Topics: credit, budgeting and saving, student loans, scams and identity theft, first-time home buyers and saving for retirement.
“We now feel empowered with our money and our financial decisions.”
To say Erica changed our relationship with money is an understatement. Before meeting with her, we “thought" we were organized and had a working budget. We were dead wrong. She helped us see all of the smaller consistent expenses that popped up each month. She is thorough, professional and empathetic. We left our meeting with a clear plan for our week-to-week budget, as well as how to meet our financial goals - all the way through retirement. She followed up consistently and happily answered any questions that came up. Because of her, we were able to meet our biggest financial goal of saving 3-6 months of expenses within a year. We now feel empowered with our money and our financial decisions. Thank you, Erica!
— David and Jessica, Doylestown, PA
Testimonials
“Gave me the confidence to navigate my financial future with clarity and purpose.”
Over the past year and a half, Erica has helped me plan my move, track my expenses and ensure I took advantage of my company's generous 401k. Our quarterly meetings gave me the confidence to navigate my financial future with clarity and purpose. I wholeheartedly recommend Erica's services to anyone seeking to improve their financial situation. Her deep knowledge, professionalism, and genuine care make her an outstanding financial wellness coach. Thank you, Erica, for your invaluable support!
— Shelly, Horsham, PA
“Our most participated in and highly rated wellness programs.”
Erica has been helping our associates for 3 years now. At first, we offered the sessions as an optional benefit. Our associate response to the sessions was so positive that last year we starting including a session as part of our standard onboarding for all new associates. Associates at all levels of the company have been very positive on how valuable the sessions have been for them.
The Indie Budget courses are by far our most participated in and highly rated wellness programs. Personal financial management is of course a major concern for most everyone and Erica’s courses are very helpful in so many ways. Besides educating people, Erica’s emphasis is on very practical advice that people can implement right away - with impact. Given how much financial anxiety most people have, I believe that companies of any size will profit by providing this valuable and inexpensive benefit for their employees.
— Dave DelBeccaro, CEO, Music Choice
Erica Librach, AFC®
After decades of budgeting and strategic planning in the corporate world, today I guide individuals on a path toward lasting financial independence.
When not crunching numbers, you'll find me walking my dog, playing with clay in the pottery studio, getting dirty in the garden, complaining about my golf game, reading a book or teaching yoga.
