K.D. , is a financial literacy educator(M.S. Adult Education), accountability coach and founder of AvaOliviaUnlimited, LLC. I created this organization due to the growing need for those who felt powerless in their knowledge on finances, goal setting and accomplishing common tasks. The saying goes that we are stronger in numbers and I took that to mean that when more than one of us is working toward a goal, there is no way to stop us. Realistically, the norm is that we do not have a team or entourage of encouraging motivators by our side daily, which leads to a cycle of unmet goals for some of us. Unmet goals, lead to unfilled passions which often leads to lack of enthusiasm for anything else. Trust me, I love to encourage others but also need encouragement to reach my own goals.
What qualifies me to speak on basic financial literacy?
Well, I have been there, done that and bought the t-shirt a few times. I believe I made most of financial mistakes the hard way. Not because I was not intelligent or educated academically but I simply was never taught. Unfortunately, life skills like finances are not introduced in public schools almost never. Embarrassingly enough, I honestly never heard of a credit score until I was in the process of buying my first home. From seeing so many others go through the same thing and make lasting errors, I developed a passion to share with others what I have learned along the way. I don’t sell products or push a particular brand. I just break down, the basic fundamentals of budgeting, credit, debt, saving, etc. I have taught adult literacy for a few years now and have taught financial literacy for too many years to count, on a one to one basis. I recently decided to share my skills with class size audiences.
What gives me the tools as an accountability coach?
I am patient and understand that when you’re in the throes of life by yourself it is easy to give up with out someone holding you accountable. I am the friend that everyone calls to ask about it seems like everything. I often thought why? Then I realized I was the one friend that took great risks first, so I should know something. It could also be my drill Sargent, no playing characteristic or maybe my need to find solutions that have enabled me to garner such a title. If you need encouragement in sticking to a work out plan, getting through a job search, creating and sticking to your budget, achieving any short terms goals, I am sure I can help you out.