Can’t control your finances? Get yourself a coach.

Not a counselor — a coach. That’s the subject of my latest “Living With Less” personal finance column, now up over at MSN Money.

Find a personal money coach, free” explains how you can work to make your finances match your dreams. Generally speaking, counseling is about an issue and coaching is about an individual.

While some programs are set up for low-income workers, others are for whoever needs help. One of the people I interviewed said she and her husband made $95,000 a year but one month they couldn’t pay a utility bill. Their coach helped them clean up their act and now, less than a year later, they’re about to close on a house — with a mortgage that’s $450 less than the rent they were paying.

I’d be interested in hearing any feedback on the column. You can leave a comment there, or here, or in both places.

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