Who We Are

Meet Your Money Management Team

Virtual Money Coach has been helping professionals across Canada form better relationships with their money since 1999. With weekly calls and ongoing support, we expertly educate and empower clients, and serve as an accountability partner.

Systematically transforming money-related behaviors and habits, we help clients gain financial success, improving lives in every aspect. Virtual Money Coach is based in Moncton, NB, and is a division of Virtual Bookkeeping Inc.

Monica Ross

Founder

Founder and President, Monica Ross is highly skilled and experienced with budgeting, bookkeeping and accounting practices and tools. As a single mom and entrepreneur, she’s passionate about making a positive impact in people’s lives.

Shane Ho

Director of Sales and Marketing
Shane Ho came to us with 20+ years in customer relationship building in a variety of industries, including insurance sales for TD Canada Trust. He has been supporting us with budgeting clients and other administrative activities behind the scenes for over 12 years. He’s now taking on a larger role in sales and marketing, and will be the face and voice of our marketing efforts.

Cathy Brun

Budgeting Manager

Cathy is our Budgeting Manager. She comes to us with many years working in the customer service industry with the last 5 years working at a major bank. Her expertise is numbers and money. She has a strong background in helping people with their budgets and finances.

Our Client

Testimonials

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.
Natalie Brooks
Natalie Brooks
31. December, 2020.
Virtual Bookkeeping has been a true gift! We were under tremendous financial stress and no matter how much money we brought in, it always felt like we were broke. We never learned how to budget or be smart with money. We started using the personal budgeting and bookkeeping services for my small business. Monica and her team's non-judgmental approach will have helped is pay off $110,000 worth of debt by the end of 2021! I can't tell you how freeing and motivating it feels after being in debt for years. We finally have a true savings account after Monica's budgeting lessons. Thank you Monica and Virtual Bookkeeping! We wouldn't be where we are without you! Virtual Bookkeeping services are priceless!
Laura Lencioni
Laura Lencioni
31. December, 2020.
Monica has been my bookkeeper for the past 15 years, through times of financial plenty and financial disaster, both personal and business bookkeeping. She's more than just a trusted bookkeeper, she puts my finances into perspective and adjusts my expectations. She's a cheerleader when I'm discouraged and a much-needed reality check when I lose sight of my financial goals. Most of all, she's effective. With Monica and her team, my bills are always paid on time, I have a clear path to my financial goals, and the support to stick to the plan. Simply put, Monica and her team have a talent for helping her clients reach their financial goals. I couldn't recommend Virtual Bookkeeping more.
Michele Blackburn
Michele Blackburn
31. December, 2020.
In the short few months I have started working with Monica, my financial behaviour has significantly changed for the better. It really has made a difference especially with how I manage my money. I was nervous to make the change as I didn’t think I could do it. Turns out it is the easiest and best thing I have done for myself in a very long time! I am very grateful to have connected with Monica and only wish I had known about her excellent financial services many years ago. I also sincerely appreciate her bookkeeping services that keeps my business up-to-date and alleviates any unnecessary stress so I can focus on my extremely busy work. I highly recommend Monica’s services!
Kristin Patten
Kristin Patten
29. December, 2020.
In 10 months, Monica and Theresa and the Virtual Bookkeeping way, helped us pay off $55,000 in debt. TEN MONTHS!!! We couldn't be mor pleased with the services we have received! One year from now we'll be debt free and I am confident in this plan as they base it on our actual income and expenses, but yet it's a team approach where all input is welcome. Each week we have a call to go over from what account to pay each bill, and where to put monies. We use them for personal and two businesses we own. Our personal "buckets" for spending, as they're called, are realistic for our actual spending and that is part of their belief and long term success. Over the holidays, for the first time ever had NO DEBT and we have four kids and got to spoil them! We even have $28k saved on top of the debt we paid off. It's true teamwork (and they're kind and compassionate to boot!). She does her job, we do our job, and then we're not worrying about money and getting to do the things we want to do in life. My business coach thought I would never recover from that much debt. We looked into filing for bankruptcy. It really is one of the best decisions we've ever made and has changed our life. It's even helped our marriage, as we all know that finances can be a huge source of contention... we're on the same page every week! It's amazing. If I could give more than 5 stars I would.

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