Meet Melissa Ternes

CERTIFIED FINANCIAL COACH + FOUNDER

I had all the examples of success and what it takes right in front of me – so why was it so hard to hang on to money?

My dad was a successful businessman and I had bosses who showed me what I needed to do throughout my career. I was thriving at managing multi-million dollar budgets and financial considerations when it came to my job. So at home, why couldn’t I figure it out? Why did my budgets always fail? Why was I always knee-deep in money mess?

Maybe you can relate. My money messes and feelings about money were something I hid and the shame and the guilt ate away at me. I was supposed to be successful, and I definitely was – at least at work.

I hid until there was nowhere to hide. One day – I was in debt, yet again, this time to the tune of $75K. There was nothing left to do but choose: do I let the cycle keep happening or do I try something totally different?

I enrolled in Dave Ramsey’s Financial Peace University and that first step into this world began to change everything. I engaged myself in more financial education from leaders across the board. Soon, I was teaching programs- and then I was creating them – crafting my own curriculum to better meet people where they are with money, no matter how messy that might be. Because the reality is “spend less and save more” is a logical approach (that doesn’t work) to an emotional situation!

In those first steps, I had no idea that this path would lead me to

• Getting myself out of major personal debt.
• Taking over 1750 adults through various money workshops and series that I created to help empower others.
• Spending the past 14+ years teaching, going through multiple financial, mindset, neuroscience, trauma and energy trainings and earning a diverse set of coaching and counseling certifications. Not to mention reading every book about money I could get my hands on!
• Creating a multi-disciplinary system that completely shifts money relationships.
• Finally being able to break the cycle of shame, and debt, and money mess that was ruling my mind and my life so I could change my relationship with money.

But I broke that cycle, so I know you can too.

I founded Master Your Money Now and became a multi-certified financial coach and crafted tailored programs and workshops for business owners and individuals like you and me. What I teach now gets to the heart of what we struggle with – bad money relationships, limiting beliefs, family loyalty patterns and old stories that no longer serve us – not to mention the brain and emotional patterns that keep us stuck.

I know your story because I had many chapters like yours. And I want to laugh with you about it – because I’ve found that the first step is to relax. It’s to realize that you’re not alone when you fail at money (yet again) or indulge in a little retail therapy. You’re just not.

Financial happiness and security comes down to your relationship with money and that’s not something that comes easily. When you don’t know how to interact with it and have a healthy one, you default to hurtful patterns that don’t bring you the kind of joy that money can bring into your life. And when I guide you into building a new, lasting relationship with money – that’s when you can get to the life you really want to live – and not feel stuck in the life you’re pretending to lead.

Through facing my old debt stories, my emotions around money, old brain and habit patterns and now mastering money, if I’ve learned one thing along the way, it’s this – you can do this. You may feel the secret shame, the insecurity, and the lack of confidence in yourself right now – but that’s just because you’re in a bad relationship. So let’s fix it. Because I know the real secret you don’t even realize yet: you’ve already got everything in you to finally turn the tide.

And that’s why I love what I do – because I’m able to show you how.