About Us

Why JJHolmes Financial? Why YNAB?

Jerneice Holmes, CPA launched JJHolmes Financial's Budgeting and Cash Management Program when she realized that there is an underserved sector of the population who are seeking accessible ways to create financial freedom.

While there are a wealth of skilled financial planners who are qualified to help you strategize the best ways to invest your money to create the life you want; what do you do when a financial planner says, you don't have enough cash flow to invest in order to create the life of you want, much less gain financial freedom!

This is the juncture at which JJ Holmes Financial and YNAB can add immeasurable value. You don't need to be a millionaire or have a college degree to achieve financial freedom; what you do need is positive cash flow. As a YNAB Certified Coach, JJHolmes Financial can help you break the living paycheck-to-paycheck cycle, crawl out from under debt and build a solid financial foundation that makes your money work harder than you! Having a solid financial foundation leads to financial freedom and that is simply invaluable.

"I have been a practicing CPA for the past 12 years, living and breathing accrual accounting (which includes principles such as buy now -> recognize the expense in the future). While accrual accounting serves medium-sized to large businesses, that mentality of buy now and expense later is what kept me trapped in the debt cycle. It wasn't until I found YNAB, and my family and I truly began living the four principles and six habits of YNAB that we began to break free from the chains of debt and be in a financial position to begin our quest toward financial freedom. The debt cycle crushes the mind and the spirit, and my goal is to enable others to breathe a sigh of relief when they look at their finances, especially given these precarious economic times we live in today." ~ Jerneice Holmes, CPA

DISCLAIMER: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met the select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB-related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.