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Teaching you how to


with state of the art, unique, user-simple software, logical debt-attack strategies, and guidance from qualified, independent financial coaches.

We get you out of debt completely: mortgages, cars, cards, and student loans — all kinds of debt — 100% repaid in full.
And with HUG you won't need to pay more monthly, harm your credit score nor sacrifice your lifestyle.

Hi, I'm Dr. Frances, your Money Doctor.

Finally, feel GOOD about your finances with an affordable monthly membership. 


Welcome home.

Here at HUG Your Money you're in good company, with members all over the world taking control of their money right now.

As a member you gain access to your personalized Dashboard and Client Portal. Here you'll find our fully dynamic debt acceleration software, HUG Your Budget and all the on demand video and coaching support you need, not only to become 100% debt free but to forecast for retirement, fund future purchases, build cash reserves, plan for college fees and SO much more.

We have DIY Members who describe themselves as self-disciplined, self-starters with an uncomplicated financial picture, using our debt and budgeting software to stay on top of their personal finances.

We have Group Guided Members, who join in with our regular Zoom meetings for Q&A sessions to build their money-wisdom, stay motivated and get advice on individual needs...

and we have Full Financial Coaching Members, with their uniquely complex circumstances, “financial baggage” or investment requirements who enjoy one-to-one Zoom meetings, video and text messaging and tailor-made personalized solutionizing.

Here’s what’s in store for you as a HUG Member.

We’re here to guide you but you retain complete control. Your creditors get paid in full. Your credit will improve. You’ll learn how to build cash reserves, handle financial emergencies and save for a comfortable retirement. You’re relationship with money will improve and you will finally be able to enjoy the life you imagined — a future that's free from financial worries.

       Click these quick videos to hear the low down —

                    straight from the Money Doctor's mouth —

Click to learn how we'll help YOU to HUG Your Money
Dr. Frances is cooking it up right now at the FAQ BBQ —

If you're a member, log in for crystal clear answers to your questions in these fun, smoking videos.

I'm a Member! Take me to my Dashboard!
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