Streamline Your Cash Flow: Your Ideal Budgeting Guide

Take charge of your financial freedom, whether it’s for your individual needs or your entrepreneurial pursuits.

Our workbooks offer clear, actionable insights to elevate your budgeting practice.

Choose the guide that aligns with your financial goals and start reshaping your economic landscape today.

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Discover Our Personal Budgeting Workbook

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Discover Our Solopreneur Budgeting Workbook

Virtual Money Coach helps you form a better relationship with money so you can achieve your financial goals and live a more prosperous life.

How It Works

We provide a proven program to effectively
manage your finances with weekly calls and
ongoing email support.

About Us

Based in Moncton, NB, we’ve been expertly
educating and empowering clients since 1999.

Our Client

Testimonials
Harpreet Christie
Harpreet Christie
20. January, 2023.
I am so glad I met Monica at Virtual Bookkeeping. I am learning so much more with budgeting and business tracking. Thank you so much Monica. You are awesome 😊🙌🏽❤️
Liana Hunt
Liana Hunt
20. January, 2023.
Unless budgeting and finances are learned from your parents, how are you prepared to manage your finances as an adult? I started earning a paycheck at 15 as a shampoo girl and spent the next 3 decades of my working life fumbling along with my finances. I was never sure how to budget, I wound up spending beyond my means, living paycheck to paycheck, going in and out of credit card debt and telling myself I would figure it out later. When I met my husband, he lived on a teacher's salary, didn’t have any debt, and even had a growing retirement and savings nest egg- I thought he was an Alien! My spending habits and credit card debt was a bone of contention in our marriage and knowing that kept me up at night. As our life together moved forward, work promotions came, we had 2 kids, a mortgage, and while we managed to afford our life, I continued to struggle with poor spending habits and accrue credit card debt. Then came March of 2020 and there was nothing majorly stressful going on in the world during this time, right? I couldn’t balance my clients while being a homeschool-mom at the same time, and I made some poor business decisions. By 2022, I was in so much debt that for the first time in my life, I couldn’t see how I would get out of it. I was embarrassed, mad at myself, and felt so alone. I shared my situation with a trusted friend who referred me to Monica. I wish I could tell you that I called Monica right away but I thought that I could figure it out on my own and that it didn’t make sense to accrue another expense and pay someone to help when I was barely paying my bills. A few months went by, I continued to accrue more debt, experienced more guilt, and finally with the gentle nudging of my friend, I reached out to Monica. From my first call with Monica, I knew I had found a solution. She was non-judgemental, smart and encouraging. We came up with a budget and a plan. For the first time, I felt hopeful that I could get out of debt and maybe even start saving. Every week we have a quick call where Monica gives me an action plan for that week. We have been working together for 10.5 months now and I am thrilled to say that not only have we paid off all of my credit card debt, PLUS an unexpected tax bill, I feel empowered for the first time that I am making smart decisions with my money. I have a realistic budget for girly fun things like self-care, clothing, and spending money so during all of this time I never once felt deprived, or had to walk around with roots, LOL. Now that I am credit card debt free, and have a solid budget that works for me and my family, I can dream about my financial future for the first time in my adult life! I can pay off my car early, pay down our mortgage faster, plan for memory making family vacations, put more money in the girls college savings, increase retirement, the options are endless. When you work with Monica, you give yourself the gift of options with your money and can stop the cycle of being chained to credit cards and debt. Don’t get stuck, thinking that your situation is the exception, or that you can’t afford help. You can’t afford NOT to get help and hiring Monica is the first step in empowering yourself to turn your financial future around.
Janet Arntzen
Janet Arntzen
18. January, 2023.
It's only been 6 months, but in that time of working with Monica and her team, I've paid off $10,000 of debt and finally feel like my finances are in order and moving in the right direction.
Juliana Herlaar
Juliana Herlaar
10. January, 2023.
Monica and her team were referred to me by a friend. I highly recommend her services. Since working with Monica I have felt a sense of control and understanding of my finances. I am very grateful for Virtual Bookkeeping and their efficient and professional services.
Anastasia Yaremko
Anastasia Yaremko
13. January, 2022.
Monica helped our family to feel in control of our finances. Amazing results in 6 months - less debts, more confidence and it seems like more money somehow. We were trying to sort it all out by ourselves for 3 years, but we saw real results when we started to work with Monica. Much gratitude and definitely recommending her to everybody!
Christine Butler
Christine Butler
11. January, 2021.
I have been working with Monica and her team for almost 8 years now, both for my business and family finances. This team is professional, supportive, and they have helped us stay accountable to our budget and get our finances back on track. If you're looking for someone to manage your books and give you a 'weekly budget allowance' and make smart financial decisions, Virtual Keeping is for you!
lisa lehmann
lisa lehmann
6. January, 2021.
Virtual Bookkeeping has been integral in saving me from financial ruin. If I hadn't enlisted their services several years ago I don't know where I would be. Instead? I have been able to control my finances instead of my finances controlling me. They are always professional. Always timely. Always courteous. I highly recommend working with them.
Lana Gowler
Lana Gowler
5. January, 2021.
I have been working with Monica and her team of professionals for almost 4 years! I had acquired a lifetime of financial stress and anxiety, both personally and with my private practice! With the teams help, and weekly check ins - I have become a 'devotee' to the system of 'cash only' and my use of credit or debit cards has shifted to rarely if at all. It was tough in the beginning, changing my lack of control with my spending habits, but after 3 months, I began to like Monica (giggle) and have been on a path of freedom from money stress! Meeting with Sharlene - who is bookkeeper extraordinaire for our updates monthly is a pleasure as well.
Miracle Management
Miracle Management
5. January, 2021.
Virtual Bookkeeping has been so helpful, informative, and insightful in assisting with my business bookkeeping needs.
Trevor Sinclair
Trevor Sinclair
4. January, 2021.
I had no idea how much I was doing wrong with my finances (personal) until I started working with Monica. Her and Teresa are so friendly and genuinely want to see you succeed. They are also really good at keeping me accountable as well. I used to live next paycheck to next paycheck because I was always behind, now I have money still in my account before pay day and I am earning less now then before. Another big one for me is that I thought I wouldn't be able to have freedom of my money however Monica is very okay with spending money and talks me through whether it makes sense or not and where to pull the money from to make sure I am not shorting myself or overlooking something. I highly recommend Virtual Bookkeeping and I live in the Yukon.
Janae and Gary Kahn
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Monica is simply AMAZING! Where she has gotten my husband and I in 1 year is unbelievable. If you had told me a year ago that with Monica my husband and I would be out of credit card debt, buying things with cash, and not living off of credit cards for big expenses I would have said, "Are you crazy?" In a span of 1 year she has helped us get out of $25,000 of credit card debt and almost paid off a car. We now have savings! And when various unexpected expenses have come up she has shown us how to pay for them. She has changed each of our relationships with money.

Perhaps, most of all, Monica has helped our marriage immeasurably. We no longer fight about money because we both know what we need to do and Monica guides us expertly through all of it. She is kind, compassionate yet steady on keeping us on our goals-moving forward.

Thank you Monica!!!
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