Fennel Financial Coaching

Yeah, I've been MIA. And honestly, I missed you guys.

I was studying for my ChFC taxation exam and decided social media was the one thing I needed to cut to actually focus. No scrolling, no posting. Just textbooks, equations, and tax code.

Last week? I passed. 💃

And by coincidence, the hubs and I celebrated in Savannah, Georgia to watch the Savannah Bananas play live at Grayson Stadium (their original home stadium) against the Indianapolis Clowns. It was absolutely unhinged in the best way and exactly what I needed after weeks of grinding.

I'm back, I'm recharged, and I'm so excited to get back to talking about ditching debt and building wealth with you all.

Let's go. 🍌

If you've ever Googled "how to pay off debt" you've probably seen the Snowball and Avalanche methods. But there are actually four ways to do it (and one of them nobody talks about).

The Snowball — Start with your smallest balance and work your way up. The early wins keep you motivated when the journey feels long.

The Avalanche — Start with your highest interest rate and save the most money over time. Perfect if you're driven by data and logic.

The Lump Sum — A windfall, a bonus, an inheritance. Use it to pay off everything at once. Just make sure the habits change or the debt comes back.

The Pi**ed Off Method — Pay off whatever makes you the most angry first. It's emotional, it's personal, and it is surprisingly effective.

That debt-free life is available to you. It starts with one decision.

➡️ Which method resonates most with you? Tell me in the comments.

Exciting news: I'll be showing up on YouTube more consistently over the coming weeks with videos designed to help you ditch debt and build wealth without the overwhelm.

To kick things off, I'm tackling something most people get wrong every single spring.

Your tax refund is not a bonus from the government.

It's your money, and in this video I'm sharing the three steps I wish I had taken with it sooner.

Fennel Financial Coaching Your Tax Refund Isn't Free Money. Here's What To Do With It.

I used to get my tax refund and head straight to REI. No regrets on the gear, but a lot of regrets on the missed opportunity. 😆

Here are the three things I would have done instead... and still do today whenever a larger sum lands in my lap.

➡️ What would you tell your younger self to do with that refund? 👇💛

👋 Hi, I’m Jeannette. I help professionals ditch debt without the overwhelm and build wealth without the stress. Follow for simple, no-shame money guidance. ✨️

I used to think my tax refund was a bonus.

Like extra money I could finally spend without feeling guilty.

But then I learned what it actually was…

Money I had overpaid all year. Just coming back to me.

That shift changed how I saw everything.

I started wondering what it would feel like to have that money THROUGHOUT the year instead.

No shame. Just a new way to look at it.
This is where awareness starts… and things can shift.

➡️ What would you do differently if more of your money showed up in your paycheck? 👇

👋 Hi, I’m Jeannette. I help professionals ditch debt without the overwhelm and build wealth without the stress. Follow for simple, no-shame money guidance.

For a long time I thought I just had a spending problem. Turns out I just needed a little time between me and the impulse.

The 48-hour Rule is one of the simplest habits I've built over the years and one of the most powerful. It makes you more intentional about your spending.

And intentional spending is really where building wealth starts.

Are you an impulse buyer? Be honest, I won't judge. Drop it below 👇

👋 Hi, I’m Jeannette. I help professionals ditch debt without the overwhelm and build wealth without the stress. Follow for simple, no-shame money guidance. ✨️

I’ve been a little quiet around here since summer.

Life got heavy.

There was a lot of grief.

We lost both our beloved dog and my husband’s grandfather.

There were things I needed to process off-screen instead of pushing through or posting through it.

In that slower season, I found myself writing more.

Longer thoughts, deeper reflections.

I realized that Substack and LinkedIn give me the space those ideas need right now.

I’m not leaving Facebook.

I’ll still be around and pop in from time to time.

But my main focus is elsewhere in this season.

If you enjoy my writing and longer-form thoughts, you can find me on Substack and LinkedIn.

Links in comments. 👇

If you’ve ever set a money goal and quietly abandoned it a few months later, this is for you.

Most money goals don’t fail because we’re bad with money. They fail because they’re too vague. I just shared a new post on Substack about how to set clear, realistic money goals for 2026. Ones that actually fit your real life and don’t fall apart by February.

I also share a personal story about a goal I didn’t reach and what it taught me about clarity, timelines, and breaking goals into small steps.

👇Link in comments.