Judy is a professional Financial Counselor, Budget Coach and founder of www.moneytracker.com. She is the author of The Budget Kit: Common Cents Money Management Workbook 6th Ed (Kaplan Publishers -Over 425,000 copies in print). The Budget Kit has been a perennial bestseller for Kaplan Publishing (previously Dearborn Publishers) for over 20 years and other publishers before that. This time-tested workbook, available for decades has been serving multiple generations. When Judy originally self published “Common Cent$” she was ahead of her time with her pioneering concepts for creating a basic, complete and user-friendly budgeting system in layman’s terms along with visual hands-on worksheets for quick understanding. These core concepts continue to stay relevant and effective and easily adaptable to any financial tool currently being used. . Judy has appeared on numerous national networks including CNBC, Style Network, PBS, USA Radio Network, Business Talk Radio,and featured online and in print for decades. Ms. Lawrence’s Master’s degree in Counseling enhances her financial counseling skills. Her down-to-earth style of books, coaching, webinars and presentations continue to help thousands of couples, individuals, professionals and solopreneurs get out of debt, gain financial control and have more financial peace of mind. Customers, clients and workshop participants appreciate her encouraging, supportive, and easy-to-understand approach for breaking through old restricting financial beliefs, patterns and barriers around money issues. After spending ten years in the Silicon Valley / Bay Area in CA, Judy moved back to Albuquerque, NM and offers financial counseling/coaching nationally and globally by phone, Skype and various online platforms. Locally she offers in-home visits for financial counseling and presents public money management and budgeting workshops. Nationally she presents webinars to numerous companies through various active online platforms. Ms. Lawrence developed a four month financial literacy training program for Greater Albuquerque Habitat for Humanity and for years trained the recipient partner families qualifying for Habitat homes. She has also served as a Board member for Greater Albuquerque Habitat for Humanity. Another area of financial counseling for many years has been consulting with divorcing couples. She was an active member of the Albuquerque Collaborative Divorce Alternatives Group for many years. Judy and her husband enjoy hiking and exploring throughout New Mexico. She has been active with the local TEDxABQ community for many years. One of her favorite traveling destinations is New Zealand where she visits her “Kiwi family” and has provided coaching and workshops to many New Zealanders.