A New Way to Budget
Get Your Day-to-Day Spending Guide
Are You:
 Frustrated with traditional budgeting methods?
Sick of tracking every dollar?
Tired of worrying about your financial future?
Learn The System
Individuals
Master the Three Bucket Budget and take control of your money--without tracking every dollar
Businesses/Organizations
Empower your team with the Three Bucket Budget--simple, stress-free financial wellness in just one session
Virtual Masterclass
Join the Three Bucket Budget Masterclass from anywhere--live, interactive, and easy to apply
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Welcome to Smart Money Financial Coaching
Hi there, I'm Kelley Yruegas, the founder of Smart Money Financial Coaching—and the creator of the Three Bucket Budget.
After becoming a Ramsey Solutions Master Financial Coach, I spent countless hours trying traditional budgeting systems that were complicated and hard to stick with—for my clients and for me. That’s when I developed the Three Bucket Budget—a simple, effective method that helps people manage their money without tracking every dollar.
This approach is the heart of everything I teach:
âś… Easy to learn
âś… Flexible to your lifestyle
âś… Designed to bring clarity and peace of mind
At Smart Money, I believe your budget should work for you, not the other way around. Whether you want to get out of debt, build savings, or just stop stressing about money, I’ll help you put a plan in place that fits your life.
Let’s make financial peace simple. Your future self will thank you!
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Learn The System"Kelley Yruegas is not only professional but truly walks beside you on your money journey. She doesn't just use encouraging words, but gives you a solid plan to follow."
 -Leticia I. (Local School Cafeteria Supervisor)
"...One of the main approaches that I appreciated about Kelley’s coaching was how she spent time to get to know me. It was easy to connect and be honest with her about my concerns. I didn’t feel the slightest amount of judgment or insecurities while receiving coaching from Kelley. The moment I knew the coaching was helping is when Kelley organized my finances into categories. As a visual learner, this was extremely helpful and is a method that I know is sustainable and feasible for me to maintain..."
 -C.S. (28 year old military wife in the healthcare field)
"...We were not in debt but after sharing with Kelley how I was struggling to keep things straight Kelley said, “you have many moving parts I can help you. “ She took the time to help me simplify our budget so it was not so overwhelming. Over the months she patiently kept me on course. It was money well spent to get back to controlling the money instead of letting the money control me.Â
Thanks Kelley, I appreciate your confidence in budgeting that helped me stay focused and fight the good fight."
 -Debbie E. (Retired Entrepreneur)
What to Expect.
Discovery Call
Schedule your free 15 minute call with Smart Money.
Clarity Session
A 2-hour deep dive into your financial situation.
Journey Beyond
Ongoing support on your financial journey!
Make It Simple
At Smart Money, I understand the desire to have control over your finances without the hassle of traditional budgeting methods. The problem is, most people don’t know there’s another way. That's why I'm here to help. My goal is to empower you with the knowledge and tools to take control of your financial life without the need for meticulous tracking. Let's simplify your financial journey together and replace confusion with confidence.
Here’s how I do it:
- Discovery Call - Book a complimentary 15-minute consultation with me. During this call, we'll dive into your financial goals and challenges, making sure I understand exactly how I can assist you in achieving financial clarity and success.
- Clarity Session: Spend two hours in a one-on-one session with me, where we meticulously review all your financial figures. My objective is to provide you with a crystal-clear understanding of your current financial standing and equip you with actionable strategies to independently work towards your financial aspirations.
- Journey Beyond - Continued coaching available. At Smart Money I believe in the power of accountability and ongoing support. Let's discuss your next move.
Take control of your financial future and schedule a Discovery Call to kickstart your journey towards financial empowerment. It's time to shift from worrying to thriving.
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Contact Us
Kelley Yruegas
575-749-3313
[email protected]
