Breathe Easier with Debt-Free Living

Reclaim Your Financial Peace

At Black Dog Financial, life is too short to live in constant worry over money. Our mission is to help individuals and couples build healthier relationships and transform their quality of life by eliminating financial stress at its source.

Whether facing student loan debt, overwhelmed by bills, or feeling the squeeze of strained relationships, our proven coaching empowers you to take control—one step at a time

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Black Dog Financial Coaching - Jeff Niceley- Ramsey Certified Coach (1)

Why Choose Us?

 

 

  • Ramsey Certified Coaching: Follow time-tested principles that have helped millions succeed.

  • Real Experience, Genuine Care: Led by a coach who has walked your path and reached financial freedom.

  • Transformation: Change habits, not just numbers—financial stress is 20% math, 80% behavior.

  • Personalized, Judgment-Free Support: Get encouragement, clarity, and actionable strategies tailored to you

 

  • Step-by-step guidance to financial freedom
  • Practical plans based on Ramsey 7 Baby Steps
  • Empathetic, relatable support—never judgment
  • Focus on relationship harmony through better money habits
  • Ethics first: No investment advice, just real transformation

Is This You?

 
back dog financial coaching- debt free-jeff niceley- ramsey certified coach (1)
Struggling to keep up with bills?
 
back dog financial coaching- stress-jeff niceley- ramsey certified coach
Feeling hopeless about debt or your future?
 
back dog financial coaching-relationship--jeff niceley- ramsey certified coach
Wishing for peace in your household and relationship?
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back dog financial coaching-fresh start--jeff niceley- ramsey certified coach
Ready for a fresh start?
 

Off the Leash: Financial Freedom Blog 

Budget

How to Stick to a Budget

By  Jeff Niceley  
Let’s be real: Setting up a budget isn’t the hard part. Sticking to it? That’s where most people struggle. Budgeting isn’t a set-it-and-forget-it deal. You can’t just plug in ...
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Debt

How the Debt Snowball Method Works

By  Jeff Niceley  
Key Takeaways The debt snowball method uses the snowball effect to build momentum by paying off debts from smallest to largest. Each time you pay off a debt, you roll that payment ...
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Money

How to Win With Money in 7 Baby Steps

By  Jeff Niceley  
Step one: Never spend money again. Boom. Done. Okay, I’m totally kidding! Listen, I love spending money, and thankfully I can do that and still reach my money goals. You can too! ...
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