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Hi, I’m Chelsea, an American living in the UK and a certified YNAB coach helping people set up YNAB, stop overspending, and build budgets that actually work. If you’re new to YNAB or struggling to make it click, I specialise in helping you get started with a simple, realistic system you can actually stick to. I also support clients with more complex setups, including managing money across multiple currencies. I’ve been a YNAB nerd for years, and using the app completely changed my relationship w

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