Moving Beyond Debt
Personal finance tips and helpful advice for your journey towards a debt-free future
What is Financial Wellness?
When a person strives for financial wellness, it means they work towards good financial habits — saving, budgeting, and spending in healthy ways — as well as positive mental and emotional relationships with money.
Our mission for our clients goes beyond addressing debt. We work to:
Empower you to build positive financial habits
Help you uncover harmful thought patterns impacting your finances
Guide you in shifting these patterns to achieve lasting positive results
Resources we offer:
- Personalized Financial Wellness Sessions
- Budgeting Tools
- Mental Health & Money Resources
Did you know?
Our graduating clients rate their financial habits at an average of 5.8/10 before seeking our help, and at 8.1/10 after working with Beyond Finance.
Meet Our Experts
Dr. Erika Rasure, Chief Financial Wellness Advisor
Dr. Erika Rasure is an accomplished financial advisor and university professor turned financial therapist, educator, and researcher. Her rare perspective and expertise are highly sought after and celebrated by finance advocates worldwide.
Nathan Astle, Financial Therapist
Nathan Astle, MFT, is a Certified Financial Therapist™ specializing in financial trauma and treating couples’ financial conflicts. He has been featured in various outlets, including the New York Times, Wall Street Journal, CNBC, USA Today, and others.
January 10, 2025
Excellent customer service. They are working hard for me and keep me updated continuously! I appreciate the financial wellness sessions they offer for support. Highly recommend them.
— Debbie
Excellent customer service. They are working hard for me and keep me updated continuously! I appreciate the financial wellness sessions they offer for support. Highly recommend them.
— Debbie
Money, Gender, and Mindset: How Social Norms Shape Our Financial Habits
From an early age, we are socialized to think about money in different ways based on our gendered experiences. These learned behaviors influence how we earn, save, spend, and even experience financial stress.
Love, Money, and Relationships
Money can be one of the most significant sources of stress in a romantic relationship, yet it’s often a subject couples avoid discussing. Whether it’s due to fear of judgment, shame, or discomfort, many couples struggle to have open conversations about finances.
Overcoming the Shame of Credit Card Debt
While the holidays bring joy and warmth, for many, they also come with a hefty price tag. According to recent reports, 1 in 10 Americans experienced credit card debt due to holiday spending last year, with 46% of Americans lacking a debt payoff plan.
Cultural Effects on Your Financial Behaviors
Popular media, financial advisors, and even well-meaning family members often frame financial decisions in terms of good versus bad, success versus failure. Personal finance is nuanced, especially when considering the powerful influence of culture on our beliefs and behaviors around money.
The Balancing Act of Keeping a Healthy Debt-to-Income Ratio
Financial practice means understanding what needs study. The experts at Beyond Finance are here to help you perfect a debt-to-income ratio.
Money Matters: Connecting the Dots Between Debt and Depression
If you don’t have money, you feel bad. Make that happen for years, feeling get worse. What’s the connection between debt and depression?
Cooling Off Financial Woes During the Summer Heat
When the summer heat arrives, so do the bills–higher utilities and lower resources. Beyond Finance shows how to spend less and cool off.
Keep On Moving: The Full Cost of Choosing Where to Live
In this economy, choosing where to live is a serious choice. To help, our experts share immediate and ongoing costs to consider.
Feeling Like a Million Bucks: The Secret to Financial Wellness
Understanding how to achieve financial wellness is possible but it takes time, according to our expert financial therapists. Here’s how.
Paying for College While on a Budget
Paying for college can be difficult, especially without a budget. Beyond Finance’s experts have a few excellent tips.