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Ericka Joseph


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The budget is a guaranteed way to track your money and develop money discipline. I am open to answering any questions which concern customization of a budget and using tools to help you stay discipline. I will also answer about creating and maintaining an emergency fund. Although I can speak about long-term financial planning and investing, I will choose to only focus on the fundamentals I use for my financial success, at this time.

Experience in the area

I have achieved every financial goal I have set in the last 14 years to include being debt free in the last eight years. I teach my budget class online on Udemy.



I am a retired U.S. Marine of over 20 years. I am the CEO of Plan2Win Solutions, LLC and currently a Homeschool Mom. I hold a BA in Psychology from Chapman University of Orange, CA and AA in Business Administration from Strayer University of Washington, DC.

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
CJ05/11/151010 Thank you for your response and .....
Amber02/10/15101010Thank you for the quick reply! I .....
jared12/17/14101010I appreciate your honesty on this and .....

Recent Answers from Ericka Joseph

2016-09-19 College student budgeting:

Hi Alec,    Thanks for considering me to answer this question. I love the title, How to Enjoy Being a Broke College Student.  I have two pieces of advice that I wish young college students would remember

2015-09-16 savings more consistent:

Hi Blaze:    Thank you so much for choosing me to assist you on your financial journey. I love to volunteer, because this is my favorite subject to talk about.  If I understand you correctly you would

2015-06-06 How to?:

Hi Amber:    Thank you so much for choosing me to assist you on your financial journey. If I understand you correctly you want to know who to maintain the envelope system with irregular income. It sounds

2015-05-24 Renting:

Hi James:    Thanks for the follow-up question.  If I understand you correctly, you sound determined to change the quality of your living situation on a small income. You are faced with two decisions-to

2015-05-20 Renting:

Hi James:    I do apologize for this late reply. No excuses, it will not happen again. Thank you so much for choosing me to assist you on your financial journey. If I understand you correctly it seems


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