Level 1
Bookkeeping & Accounting
Clean, current, accurate books — the foundation every smart financial decision is built on.
Results
- Monthly categorization & reconciliation
- Reports you can actually read
- A true picture of your cash position
Bookkeeping · Budgeting · Advisory · YNAB Coaching
Financial clarity for your business and your life.
Accurate books, an intentional plan, and a guide who helps you use both. From bookkeeping through advisory for your business — and a 3-phase YNAB program so you never worry about money again.
Small-Business Bookkeeping
Budgeting & Cash Flow
Advisory & Strategy
Certified YNAB Coach
MEET YOUR GUIDE
Hi, I'm Monika
Mom of three, founder of North Star Financial Solutions, LLC, and your guide to financial clarity. I hold a Master's in Accounting and am a Certified YNAB Coach.
I am passionate about creating and maintaining impeccable financials for my clients. I believe that when you understand your finances, we can best manage your finances in the business and personal arenas. Smart money management starts here.
Whether you need help setting up, catching up, or cleaning up, I will bring clarity to your finances to set you on the right track to reaching your goals and creating a positive feedback loop between your use of energy, time and money.
Services
What I can handle for you
From day-to-day books to big-picture strategy — three levels that build on each other. Start where you are, grow as you're ready.
Business Finances
Level 2
Budgeting & Cash Flow
Turn your numbers into a forward-looking plan, so money stops feeling reactive.
Results
- A realistic budget built from real data
- Cash-flow visibility month to month
- Confidence in what you can spend, save & invest
Level 3
Advisory & Strategy
Ongoing strategic guidance — a financial thought partner as your business grows.
Results
- A trusted partner for big decisions
- Goals translated into financial targets
- Proactive insight, not rear-view reporting
Personal Finances
Never worry about money again*
I am a Certified YNAB Coach. YNAB (You Need A Budget) is the proven method and app that helps you give every dollar a job. I created a 3-phase program to efficiently set up, optimize, and utilize YNAB — so you can Never Worry About Money Again*.
Track Diligently
“What cannot be measured cannot be improved.”
Tracking diligently takes about as long as sipping a cup of coffee, tea or other drinky-drink of your choice. The result is a true cash position and a real understanding of your cash flow.
Plan Intentionally
“When you change the way you look at things, the things you look at change.”
Planning intentionally — aka “money dates” — is finally fun and productive because you're working with accurate, real-time data. This is where you start to look at money in a new way for the very first time.
Spend Purposefully
“The best way to predict the future is to co-create it.”
Spending purposefully is how you execute the plan with confidence, experience progress, and enjoy the process.
The combination of all 3 phases empowers you to make intentional choices using a framework that creates clarity, removes guesswork, and helps every financial decision reflect your priorities.
*Never Worry About Money Again is YNAB's second book.
Holistic Approach
One framework guides both sides of your money
Business finances are the HOW. Personal finances are the WHY.
The results of each feed the other.
Business Finances — The HOW
| Bookkeeping / Accounting | Budgeting & Cash Flow | Advisory & Strategy | |
|---|---|---|---|
| Phases | Track diligently to create financial reports | Use financial reports to create a budget | Spend purposefully in alignment with the vision |
| Cash | Establish Cash Position | Manage Cash Flow | Alter Financial Trajectory |
| Progress | Transactional | Transitional | Transformational |
| Money | Opportunity cost | Break-even | Return on investment |
| Mindset | Observe without judgment | Shift from reactive to proactive | Ask the right questions |
Quantitative results feed into the WHY of personal finances. Making money is FUN.
Personal Finances — The WHY
| Track Diligently | Plan Intentionally | Spend Purposefully | |
|---|---|---|---|
| Phases | Cultivate Awareness | Clarify Intention | Create Alignment |
| Cash | Position | Flow | Trajectory |
| Progress | Transactional | Transitional | Transformational |
| Time | Past | Present | Future |
| Mindset | Understand your patterns | Choose your future | Success is Inevitable |
Qualitative results feed into the HOW of business finances. Spending money is FUN.
Business Finances
How we get started
- 1
Fill out the form
Takes less than a minute.
- 2
Questionnaire
I send you a questionnaire about your business finances.
- 3
Review & schedule
I review your responses and we schedule a free consultation.
- 4
Free consultation
We discuss your needs in detail, confirm whether set up, catch-up, or clean-up is needed, and I explain the process and next steps.
- 5
Follow up
You receive an email with the video recording of our meeting and the next best steps to move forward.
Services & pricing
Swipe to compare all tiers
| Services | Tiny / Side HustleQuarterly | SmallMonthly | MediumMonthly | LargeMonthly |
|---|---|---|---|---|
| # of accounts | 2 | 2 | 3–4 | 5+ |
| # of transactions | Up to 100 | 100–150 | 150–200 | 200+ |
| Reports | Quarterly | Monthly | Monthly | Monthly |
| Email support | 3 business days | 2 business days | 2 business days | 1 business day |
| Transaction categorization | ||||
| Account reconciliation | ||||
| Profit & loss statement | ||||
| Balance sheet | ||||
| Cash flow statement | ||||
| Year-end tax preparer package | ||||
| Accounts receivable tracking | ||||
| Accounts payable tracking | ||||
| Video recap | ||||
| Live monthly meeting | ||||
| Investment | Starting at $350/qtr | Starting at $400/mo | Starting at $600/mo | Starting at $800/mo |
Budgeting
Pricing is customized. Once your monthly bookkeeping is routine and streamlined, we schedule a free meeting to walk through the details.
Advisory
Pricing is customized. Once budgeting is routine and streamlined, we schedule a free meeting to walk through the details.
DIY & digital products
Coming in 2027. Fill out the intake form to be notified when they become available.
Personal Finances
How we get started
- 1
Fill out the short form
Takes less than a minute.
- 2
Schedule your free session
I send you a link to schedule a free 45-minute discovery meeting.
- 3
Discovery meeting
We walk through a questionnaire, and I demo exactly how YNAB solves the issues you brought up.
- 4
Follow-up email
You receive the recording, free online resources, info on my paid support, how to earn free 1-hour sessions with me, and how to get an additional 60 days of YNAB free.
One-off sessions
30 minutes
$75
$150/hr
60 minutes
$125
$125/hr
90 minutes
$175
$116/hr
Before our meeting, I will request that you send your questions so that we can maximize our time together. During the meeting, we address the questions that you sent and anything else that may come up. After the meeting, you will receive summary notes, a recording and next steps.
Coaching packages
1 month
$500
4 sessions · $125/hr
Additional time for any reason: $115/hr ($10 discount) in 30, 45, or 90 minute increments, up to 1 year after your first session.
2 months
$900
8 sessions · $112.50/hr
Additional time for any reason: $100/hr ($12.50 discount) in 30, 45, or 90 minute increments, up to 1 year after your first session.
3 months
$1,200
12 sessions · $100/hr
Additional time for any reason: $85/hr ($15 discount) in 30, 45, or 90 minute increments, up to 1 year after your first session.
We establish goals together. I send notes and a recording after every session. A realistic timeframe to work through all 3 phases is 6 - 12 weeks. While I go at my client's speed, coaching packages must be used up within a year.
YNAB DIY step-by-step online course
Coming in 2027Includes 3 hours of coaching that can be scheduled at any time.
WHAT CLIENTS SAY
Don't take my word for it
“Monika has offered insight, clarity, and systems that shifted my whole financial future in all the right ways. She showed me how to set personal budgeting goals, track them in real time, and use that information to inform my business goals each month. She has delivered next level clarity in both personal and business finances, and I now know exactly what I need to do to create the financial independence I desire.”
“I had heard wonderful things about YNAB but never understood what all the fuss was about. Thanks to Monika, I finally took back control of my finances and now feel so much more confident about my money and spending. You are such a gift!! I can't wait for more people to experience the magic of YOU and your thoughtful coaching.”
“I reached out to Monika in a “perceived” financial disaster. Not only did she ease my mind that I am not the first one to be here, she walked me through the hard questions to really look at my current reality. It gave me clarity on what I have been doing and how to reach my goals, plus what I need to do to measure and manage my finances going forward.”
Ready to find your North Star?
Whether it's your business books or your personal budget, the first step is a free conversation.