https://www.changeworkfc.com/home daily 1.0 2025-06-19 https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/0811f2cd-d86e-4fd5-bdc2-0a0ef3c8399a/Miner_Kim_2024_03_39_Web.jpg https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/6cfa32c3-d7cf-4722-9783-d05ad95998d8/Miner_Kim_2024_03_58_Web.jpg https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/a7d2c7f4-97b6-420e-9d02-09fb5c641b28/Untitled+design+-+2024-01-22T235214.299.png Home https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/44f569ce-9641-4bce-95e1-0009f393db2f/Untitled+design+-+2024-01-22T235534.535.png Home https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/e67fbb4a-c6ce-47e0-99ea-a6939ccb75ca/Untitled+design+-+2024-01-22T235422.746.png Home https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/456c1f58-b266-4581-a621-940e8eaabcaf/Untitled+design+-+2024-01-22T235720.595.png Home https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/629c9857-9d4a-43a9-acaa-aef9325b369c/Untitled+design+-+2024-01-22T235500.329.png Home https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/5f6dfb58-a84a-49dd-bc68-77dc9740140c/pexels-august-de-richelieu-4260639+%281%29.jpg Home https://www.changeworkfc.com/about-us daily 0.75 2025-05-14 https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/32776a59-6040-4b68-9d2f-83b20c637e03/pexels-jopwell-2422293.jpg https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/91423f5e-dce8-4ee1-ac8e-ca2d850112a7/Miner_Kim_2024_03_96_Web.jpg https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/e9c722ab-47bd-4c45-8054-2b5d74dc41e0/_DSC5683.jpg About Us Hi! My name is Kim Miner and I am a Financial Coach and the Founder of CHANGEWORK Financial Coaching. I have had a lifelong struggle with my finances. Debt was a constant in my life - debt and stress resulting from that debt. Often everything was current but stretched way too thin. I educated myself and found my way out of debt with a two simple tenants: Live on less than you make and start saving for the unexpected. Sounds so simple right? Here’s a secret. It is — But you have to be ready to put in the work. If you’re ready, I’d love to help you! https://www.changeworkfc.com/our-services daily 0.75 2026-04-04 https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/80bea62a-7861-432b-9f21-9f1dcbe57a1a/Untitled+design+-+2024-02-06T214636.928.png Our Services https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/ef34d93b-7e08-4462-8fd4-c02f7449521f/Untitled+design+-+2024-02-06T214656.296.png Our Services https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/3abb698f-aaa6-4c41-86c8-0b8470ac6978/Untitled+design+-+2024-02-06T214711.259.png Our Services https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/2bff2e24-732f-46e3-b8bc-182998a81bb8/asianlady.jpg Our Services https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/c8f38244-f77a-4873-a692-6b65c31d1576/crunchingnumbers.jpg Our Services https://www.changeworkfc.com/book-now daily 0.75 2025-06-19 https://www.changeworkfc.com/my-story daily 0.75 2025-05-14 https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/25801eec-1c63-4ce9-b28c-9e708d9fdd9d/Mystory.jpg https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/e2d886b1-cf6c-4331-8475-251b1608a14c/Untitled+design+-+2024-02-06T224611.730.png My Story - Unfortunately, it wasn’t always this way. I have struggled my entire life with my money and debt. I was 16 when I got approved for my 1st department store credit card. The fact that I could buy things, that I couldn’t otherwise afford and pay a small minimum monthly payment, blew my mind! Over the next 3 years I managed to find myself TWENTY-THOUSAND dollars in debt. In over my head and suddenly having trouble making those ‘small minimum’ monthly payments. I sought out help through credit counseling. The gentleman who helped me, looked at my numbers in shock and dismay and suggested that I file bankruptcy. I was only 19 years old. https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/ad4b689e-c612-4cea-8a06-e6c05ca1d69b/mystory_gotmad.jpg My Story - I got mad, I refused and I fought my way out of a lot of that debt just by getting a better paying job. But my spending habits didn’t change. So I ended up filing bankruptcy almost 10 years later when my debt was over FORTY-THOUSAND dollars! I actually couldn’t even AFFORD to file bankruptcy on my own, so I had to borrow money from a friend. This event was devastating. This cycle continued for years because even after all of that stress, I still hadn't changed my habits! Struggling to make it to my next paycheck and constantly attempting to pay things down while still swiping cards. Late payments and overdraft fees galore. There just never seemed to be enough money to cover everything. The constant worry, stress, embarrassment and shame around my finances was exhausting. https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/81c9e195-8588-4419-a97f-371d8887a2a4/Untitled+design+-+2024-02-06T224709.288.png My Story - It’s always been my dream to retire early and I knew if I kept living the way I was, that dream would never become a reality. I was finally ready to do things different. Obviously my plan so far - wasn’t working! So I started looking for solutions. I found simple steps to follow so that I could finally gain control. I began living on a budget and spending less than I made. I quit messing with debt and payments and started slowly building my savings to cover emergencies. I’ve learned how to organize and prioritize my needs and wants. I control where my money goes now instead of wondering where it all went. I am no longer weighed down with stress and worry and it feels great! https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/54b4b37b-f976-42e1-b73f-592f51072f38/Untitled+design+-+2024-02-06T224734.638.png My Story - My goal now is to help others reach their financial goals and feel the same freedom. If your plan hasn’t been working and you are ready….please….stop waiting. The sooner we get started the sooner you too, can be FREE! https://www.changeworkfc.com/faqs daily 0.75 2025-06-19 https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/52d26bf2-7dae-4f1c-94bd-aa4a30254713/pexels-mikhail-nilov-6963857.jpg https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/4aa75745-2379-4dda-813e-346eeefd1c0a/mystory_gotmad.jpg https://www.changeworkfc.com/contact-us daily 0.75 2025-05-14 https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/7273047a-f50c-4e62-bd35-b4c22120f3bc/pexels-olly-3756168+%281%29.jpg https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/16ca8074-c3d5-4aeb-a213-759e01ff81f9/money_money.jpg https://www.changeworkfc.com/reviews-3-1 daily 0.75 2025-05-13 https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/d7dded32-59ee-4d5a-803a-fb688cab85a7/andre-magalhaes-jZs3T8Kwdjc-unsplash.jpg Reviews & Testimonials - Easily Save for your vacations “ For so long I was stretching a dime into a dollar, but after working with Kim it really changed my life. I now have extra money in my account and I easily save for vacations - without sacrificing my time working long hours. I am finally stress free with my finances.” — Thomas T. https://images.squarespace-cdn.com/content/v1/5f89fa5fbf27c27e1c484a15/1a4734b6-d24b-4370-b558-497947b941f3/pexels-shkrabaanthony-5217851.jpg Reviews & Testimonials - “Thanks to Coach Kim, I am currently on the path to being debt free! It took me a while to be intentional about this but with her help and advice, it gets easier every week! Its amazing when you know where your money is going it seems like you have more! Because you really do!” — Laura G.