Your finances,
transformed through
guidance.
Proven, practical guidance to help you manage debt, build emergency funds, and create lasting financial independence, one intentional step at a time.
Seven baby steps to financial peace
Vivianne follows Dave Ramsey's proven baby-step framework—a clear, practical path from your first $1,000 in savings to lasting wealth and generosity. Each step builds on the last, helping you turn small, consistent actions into lasting financial independence.
Starter Emergency Fund
Save $1,000 quickly to create a financial cushion and stop relying on credit when unexpected expenses arise.
Debt Snowball
Pay off your non-mortgage debt from smallest to largest, building momentum and confidence with every debt you eliminate.
Full Emergency Fund
Build 3–6 months of expenses so unexpected setbacks can be handled with confidence—not credit or financial stress.
Invest 15%
Invest 15% of your household income toward retirement and give your money the opportunity to grow for your future.
College Funding
Save for your children's education while continuing to build a strong foundation for your own retirement.
Pay Off Your Home
Put extra money toward your mortgage and move closer to the freedom of owning your home outright.
Build Wealth & Give
Build lasting wealth, live generously, and create a financial legacy that reflects what matters most to you.
A business owner who has seen the struggle, now helping people transform their financial future.
Vivianne Borges brings more than 30 years of business experience to her work as a financial coach. Throughout her career, she has seen firsthand that financial challenges aren't always about how much someone earns. Some people are living paycheck to paycheck or carrying debt. Others earn a good income but still feel uncertain about where their money is going, struggle to make confident financial decisions, or know they could be doing more with what they have.
Vivianne believes financial well-being begins with understanding your money, creating a clear plan, and being intentional about where you want it to take you. Whether the goal is getting out of debt, building savings, managing a growing income, or creating a stronger financial foundation for the future, clarity is where meaningful change begins.
As a Certified Ramsey Solutions Master Financial Coach, Vivianne helps individuals and couples take control of their finances, break unproductive patterns, build confidence, and make thoughtful decisions with their money. Her approach is practical, personal, and judgment-free. She walks alongside her clients with knowledge, accountability, and support, helping them move from financial uncertainty to clarity, confidence, and lasting progress.
A clear plan for your money. A practical path forward.
Debt Freedom
Create a clear, intentional plan to eliminate debt and take back control of your money.
Financial Foundation
Build the habits, savings, and financial cushion that give you greater confidence and stability.
Wealth Building
Make intentional decisions today that allow your money to grow and work for you over time.
Financial Independence
Turn the choices you make today into greater freedom and more options for your future.
Book your discovery call.
A complimentary, no-pressure conversation to understand where you are, where you want to be, and how Vivianne can help you get there. Share a few details and she'll be in touch personally.