Why your credit score moves slower than you think
Two clients make the same payment on the same day and see different results a month later. Here's the part of the scoring model nobody explains upfront.
Read the articleFinancial & credit consulting
Small, steady decisions compound into real financial ground.
Money Tree Consulting works with individuals and small businesses on the two things that move everything else: what your credit looks like, and what your money is actually doing while you're not watching it.
9,600+clients guided since 2016
112 ptsaverage credit score gain*
4.9 / 5average client rating
See compounding at work
Move the sliders — this is an illustration, not a projection of any specific account.
Year 1$0
Year 5$0
Year 10$0
Year 20$0
Starting balance$2,000
Monthly contribution$150
*Illustrative at a fixed 6% annual return, compounded monthly. Actual results depend on the account, contributions, and market performance.
9,600+
Individuals & businesses advised since 2016
112 pts
Average credit score improvement over 8 months*
$64M
Client savings tracked across active plans
4.9 / 5
Average rating across 1,800 reviews
Consulting built around two moving parts
Your credit determines what financing costs you. Your savings and cash flow determine whether you need that financing at all. We work on both at once.
Personal financial roadmaps
A single working plan covering budgeting, debt payoff order, and savings targets — reviewed with you, not handed to you.
Credit score optimization
A step-by-step plan to raise your score ahead of a mortgage, auto loan, or business financing application.
Small business cash flow consulting
Understand when money actually moves through your business, and plan around the gaps before they become a problem.
Retirement & long-term savings strategy
Translate "someday" into a monthly number and an account structure that actually gets you there.
Debt payoff coaching
Ongoing, month-by-month coaching for paying down multiple balances without losing momentum halfway through.
Mortgage & loan readiness review
A pre-application check of your credit, documentation, and debt ratios so there are no surprises at underwriting.
A plan you can actually follow
Three stages, and you know exactly where you stand at each one.
Discovery call
Thirty minutes on your current numbers, your goals, and what's actually gotten in the way so far.
A plan built for your numbers
Specific targets for credit, savings, and debt — with a realistic monthly action, not a generic checklist.
Quarterly check-ins
We revisit the plan every quarter and adjust it as your income, rates, or goals change.
Field notes from client sessions
Practical writing drawn from the questions we hear most often.
The real cost of waiting to start saving
A ten-year delay doesn't just cost you ten years of contributions — it costs you the compounding those years would have done on their own.
Read the article
Cash flow planning for a business with no finance team
You don't need a CFO to see three months ahead. A simple weekly habit that catches most cash crunches before they happen.
Read the articleWhat clients say after a few quarters with us
★★★★★
"They found the exact reason my score was stuck for two years — a card I barely used but hadn't closed. Ninety days later I qualified for the mortgage rate I actually wanted."
Marcus Webb
Prepared for a mortgage application
★★★★★
"I run a five-person studio and had no idea our slow months were predictable until we mapped it out together. We haven't had a scramble in over a year."
Aiko Tanaka
Small business owner
★★★★☆
"I kept pushing retirement planning off because the numbers felt abstract. Seeing an actual monthly figure changed that completely — it's the first plan I've stuck with."
Rebecca Long
Long-term savings client
Get one grounded money idea a month, no pitch attached.
Short, specific notes on credit and savings — the kind of thing we'd actually say in a session. Unsubscribe whenever.