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Take Charge of Your Finances. Build the Life You Deserve.

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Theresa Debrow sitting and smiling

Welcome to
Positive Balance LLC
Financial Coaching

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Is money controlling your peace of mind?

  • Are you making a good income but still wondering where it all goes?
  • Living paycheck to paycheck despite your best efforts?
  • Struggling to save, pay off debt, or plan for your future?


You’re not alone. Millions of people feel overwhelmed by their finances—and we’re here to help you change that.

“An investment in knowledge pays the best interest.” – Benjamin Franklin

Gain Confidence
Get Clarity
Make a Change

At Positive Balance LLC, we offer one-on-one financial coaching tailored to your unique situation and goals. Whether you’re just starting out, navigating debt, running a small business, or planning for the future, we’re here to guide you with empathy, expertise, and a clear plan of action.

Smiling Individual Who Is Out Of Debt
What We Help With

What We Help With

  • Creating a budget that actually works
  • Paying off debt faster and smarter
  • Building emergency savings and long-term wealth
  • Navigating business finances
  • Preparing for life milestones like buying a home, starting a family, or retiring

We Listen
We Teach
We Empower

When you work with Positive Balance LLC, you’ll learn how to:

  • Understand your money mindset and financial story
  • Create a realistic, sustainable financial roadmap
  • Stay focused, motivated, and on track
  • Build long-term financial security
We Listen We Teach We Empower
Who We Coach And Help

Who We Coach

We support individuals, families, and small business owners who:

  • Make good money but feel like they’re treading water
  • Struggle to save or manage day-to-day finances
  • Feel overwhelmed and don’t know where to start
  • Want to plan for children’s education or retirement but feel stuck
  • Run small businesses and need guidance managing both personal and business finances

Our Latest News

What Clients Are Saying

"Theresa helped me navigate through the process of retirement, when I thought it would be impossible to do so. She gave me the tools I needed to set up a budget plan and invest some money to guarantee another small form of income, other than my social security. At 78 years old, I am able to enjoy my retirement, and know I have everything I need, and even a few extras thrown in. I am grateful for all of her help and guidance at this critical time of life."
Sarah M.
Sarah M.
"Working with Theresa helped me create a debt payoff strategy and save significantly on credit card interest, all while building a savings account I'm truly proud of. Her guidance on emergency savings and managing irregular spending gave me the tools to break free from living paycheck to paycheck. Theresa's expertise and genuine care have made all the difference, I finally feel in control and confident about my future."
Michael R.
Michael R.
"Before working with Theresa, I felt overwhelmed and stuck in debt. I didn't know where my money was going or how to talk about finances with my partner. Theresa helped me make sense of the numbers, build a debt payoff plan, and learn to spend in alignment with what I truly value. She also guided us in opening up honest financial conversations, so we could create a plan that worked for both of us."
Emily C.
Emily C.
"Working with Theresa was a game-changer for our business. During our slow season, cash was tight, and we weren't sure how we'd manage both business expenses and personal financial needs without drawing on our line of credit. She helped us build a clear, practical cash flow plan that kept us afloat and gave us peace of mind. Thanks to her guidance, we were able to stay on track financially and make smarter decisions with our money - both in the business and at home."
Steve F.
Steve F.

No Lectures
No Judgment
Just Real Progress

You don’t need a finance degree to take control of your money. You just need a guide and a plan that works for your life. We’re here to help you feel empowered, not overwhelmed.

Ready to Take the First Step?

You can change your financial future starting today.

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Gain Confidence. Get Clarity. Make a Change