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Juliano Financial Solutions

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United States
Waterloo, IL
Juliano Financial Solutions

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Helping individuals, families, and small businesses reduce stress through financial coaching and convenient mobile notary services. Based in Waterloo, IL.

10/27/2026

🖊️ Notary Tip Tuesday: What Are You Paying for With a Mobile Notary?

When you hire a mobile notary, you're paying for more than the few minutes it takes to apply a notary stamp.
You're paying for the convenience of having the notary come to you. 🚗
That can include:
✔️ Travel to your home, office, hospital, nursing home, or another agreed-upon location
✔️ Time spent traveling to and from the appointment
✔️ Reviewing the documents for the required notarial act
✔️ Verifying identification and completing the notarization properly
✔️ Maintaining the records and supplies required to provide the service

In Illinois, the fee for the notarial act itself is limited by law. A mobile service call and applicable travel charges are separate from that notarial fee. Sometimes the biggest value isn't the stamp. It's being able to say, “The notary is coming to me.”

📍 Mobile Notary serving Monroe, Randolph & St. Clair Counties in Illinois
📅 By appointment

10/26/2026

💰 Money Monday

What is credit utilization? Credit utilization is simply how much of your available revolving credit you're currently using. For example:
If you have a credit card with a $10,000 limit and a $2,000 balance, your credit utilization on that card is 20%.

Why does that matter? Credit utilization is one of the factors used in calculating credit scores. Generally, lower utilization is better because it shows you're using less of the credit available to you.

You may have heard that you should “keep it under 30%.” That's a common guideline, but 30% isn't a magic cutoff where everything below it is good and everything above it is bad. Lower utilization can generally be more favorable.
And one important reminder: You do NOT need to carry a balance and pay interest to build credit. Credit utilization is about the balance being reported compared with the credit available to you—not about intentionally carrying debt from month to month.

Understanding how credit works can make it a lot less confusing.

💰 Juliano Financial Solutions
Reducing Stress by Helping People Get Organized

10/23/2026

💰 FAQ Friday: What If You and Your Spouse Don’t Agree About Money?

That’s okay. You’re two different people. You may have grown up with completely different experiences around money, and those experiences can affect how you think about spending, saving, debt, security, and financial goals today. The goal isn't necessarily to agree on everything.

It’s learning how to talk about money without every difference becoming an argument—and understanding why each of you feels the way you do. Sometimes the most productive money conversation doesn’t start with:
“What should our budget be?”
It starts with:
“Why is this important to you?”

You can build the numbers together. But first, you need to be able to talk about them together.

10/22/2026

📂 Organization Thursday: Small Business Organization

Running a small business means keeping track of a LOT of little details.
Client information. Appointments. Receipts. Expenses. Mileage. Invoices. Documents. Follow-ups. And approximately 47 ideas you had while doing something completely unrelated.
Being organized isn't about having the perfect desk or perfectly labeled folders.
It's about creating systems that help you keep track of the details so you're not constantly trying to remember everything.
A few places to start:
✔️ Have a consistent place for receipts and expenses
✔️ Create a filing system for business documents
✔️ Keep client information organized
✔️ Track your appointments and follow-ups
✔️ Write down those random business ideas instead of trusting yourself to remember them
The goal isn't perfection. It's creating systems that make running your business a little easier and a lot less stressful.

10/20/2026

🖊️ Notary Tip Tuesday: Witnesses
Does every notarization require witnesses?
Nope!
A notary and a document witness aren't automatically the same thing, and not every notarization requires additional witnesses. If your document does require witnesses, that's something we want to know before the appointment—not when everyone is sitting at the table ready to sign.
Before your appointment:
✔️ Review the document for witness instructions
✔️ Check with the person or organization that provided the document if you're unsure
✔️ Let me know ahead of time if witnesses are required
Need witnesses? Depending on the appointment, I may be able to help coordinate witnesses with enough advance notice. Additional fees may apply, so let me know when scheduling and we can discuss availability and any associated costs.
As your notary, I can perform the notarial act, but I can't decide for you whether your document legally requires witnesses. A little preparation beforehand can make the entire appointment go much more smoothly. 🖊️

📍 Mobile Notary serving Monroe, Randolph & St. Clair Counties in Illinois

10/19/2026

💰 Money Monday

Sometimes the budget isn't where the conversation needs to start. When couples want to get their finances organized, it's easy to think the first step is sitting down and creating a budget. But sometimes there are a few conversations that need to happen first.

What does financial security mean to each of you?
What are your priorities?
How do you each feel about spending, saving, and debt?
Who handles the bills now—and does that arrangement actually work for both of you?
What financial goals are you working toward together?

If you skip those conversations and jump straight into the numbers, you may find yourselves arguing about $200 in a budget category when the real disagreement isn't about the $200 at all. The numbers matter. But understanding the “why” behind the numbers can make it a whole lot easier to build a financial plan together.

❤️ That's a big part of why I've been rebuilding Marriage & Money to focus on the conversations that come before the budget—not just the budget itself. More coming soon.

💰 Juliano Financial Solutions
Reducing Stress by Helping People Get Organized

10/17/2026

💍 Money & Marriage is officially OPEN FOR ENROLLMENT! 🎉

After weeks of rebuilding, refining, and putting a lot of thought into every detail, I'm excited to officially introduce the redesigned Money & Marriage coaching program through Juliano Financial Solutions!

Money conversations aren't always easy. Every person brings different experiences, habits, and expectations into a relationship, and learning how to navigate those differences together can make a big difference.

That's why Money & Marriage is about more than just creating a budget.

This 8-session financial coaching program helps couples:

💬 Understand each other's money history and mindset

❤️ Improve financial communication and align expectations

🎯 Identify shared financial goals and priorities

💰 Work through spending, saving, and debt

📊 Build a realistic household budget and develop a money management system that works for both partners

Whether you're engaged, newly married, or have been together for years, this program is designed to help you build a stronger financial future together.

Enrollment is now open!

🔗 Explore the program and enrollment options:
https://www.julianofinancialsolutions.com/financialcoaching

10/16/2026

💰 FAQ Friday: Do I Work With Couples?
YES!
Money affects so many parts of a relationship, but that doesn't mean two people are automatically going to approach money the same way. You may have different:
💵 Spending habits
💰 Saving priorities
🎯 Financial goals
📋 Ways of managing the bills
💭 Experiences with money growing up

And that's okay. Financial coaching can give you a place to talk through those differences, understand what's important to each of you, and start creating a plan that works for your household—not someone else's. You don't have to agree on everything.

But you do need to be able to talk about it together. ❤️

10/15/2026

📂 Organization Thursday: Digital Filing

Be honest...is your computer basically a digital junk drawer? Downloads everywhere. Files named “Document (12).” Receipts saved somewhere...you think. And folders you haven't opened since 2022.

Digital organization doesn't have to be complicated. The goal is simply to create a system that makes it easy to save something now and find it again later. A few simple habits can make a huge difference:
✔️ Create folders for the major areas of your life or business
✔️ Use file names that actually tell you what's inside
✔️ File downloads instead of letting them pile up
✔️ Periodically delete duplicates and things you no longer need

You don't need the perfect filing system. You just need one that makes sense to you and that you'll actually use.

10/14/2026

❤️ Behind the Business Wednesday: It's Almost Here!

For the past several weeks, I've been spending a LOT of time behind the scenes working on something that's very important to me.

Some of you may remember me mentioning that I was rebuilding my Marriage & Money financial coaching program.

Well...last night, I officially finished everything needed to get it ready for launch! 🎉

And let me tell you, this was MUCH more than updating a few worksheets.

I went back through the entire program, reflected on what I'd learned from working with couples, and rebuilt the sessions, assessments, presentations, resources, and processes from the ground up.

Why?

Because I believe that managing money together starts with understanding each other—not just creating a budget.

Marriage & Money is designed to help couples understand their different experiences with money, have meaningful conversations, and work toward shared financial goals.

There are still a few little things on my to-do list (because let's be honest, there always are!), but the program is ready.

And I'm pretty excited about that.

🎉 Marriage & Money officially launches Saturday, October 17!

Stay tuned!

Address

Waterloo, IL
62298

Opening Hours

Monday	5pm - 8pm
Wednesday	5pm - 8pm
Friday	5pm - 8pm
Saturday	9am - 5pm
Sunday	12pm - 6pm

Telephone

+16185109223

Website

http://www.julianofinancialsolutions.com/

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