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Julia Marlowe offers time management consultation to help you achieve the most important goals for your life.  I can also provide financial management consultation for budgeting and credit counseling to help you get your finances under control so that you can spend your money on what is most important to you.

  • Time management:  You don't have to feel rushed when leaving the house.  You can enjoy life more with time for yourself and your family and not feel a slave to chores.  AHO will sit down with you, discuss how you spend your time, how you keep track of appointments and things to do.  Then we will suggest ways to help you manage your time more efficiently.
  • Money management:  Want to get out of debt?  Do you have financial goals and are you meeting them?  We can help you get where you want to be by setting up a plan that works for you and your family.

Julia Marlowe has a Ph.D. in consumer economics, has taught financial management, and developed a unique budget system for limited incomes, The Budget Box, (used by the Georgia Cooperative Extension Service).  Her master's thesis was an investigation of Consumer Credit Counseling clients and her doctoral dissertation was an investigation of household time use.


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