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Aug 21

Recognizing Overspending as a Barrier to Financial Progress: Supporting Clients Without Shame

Overspending is a common challenge that can interfere with a client’s ability to make consistent financial progress. For credit counseling professionals, recognizing overspending patterns is an important part of helping clients understand where their financial plan may be breaking down and what changes may be needed to support better outcomes.
This session will explore how overspending may appear during the counseling process, how counselors can identify patterns without judgment, and how to guide clients toward greater spending awareness, accountability, and action.

Virtual location

You will receive a confirmation email with a URL.

Friday, August 21, 2026 02:00pm ET

 

$0.00 - $50.00

 

Meet The Speaker

Janera Harvey, MPH is the Founder and Owner of Mending Spending, where she specializes in helping professional women understand and address the behavioral and emotional factors that contribute to shopping addiction and compulsive buying. With more than 12 years of experience in public health, behavioral health education, and financial counseling, she brings a multidisciplinary perspective to a topic that is often misunderstood and overlooked.


Janera holds a Master of Public Health and is a Certified Credit Counselor. Her work bridges the gap between financial behavior and emotional well-being, helping individuals move beyond budgeting conversations to better understand the behaviors that drive out-of-control

spending. Through education, coaching, and public speaking, she equips professionals and communities with practical, compassionate strategies that support lasting behavior change.


In addition to leading Mending Spending, Janera serves as a Hospital Neuroscience Specialist, partnering with healthcare professionals to advance education surrounding serious mental illness. She is also a columnist for Gulf Coast Woman magazine, where she writes on personal finance and behavioral wellness.