Nichole (Woods) Luellen has worked in Banking and Revenue Accounting for over 25 years and has turned her passion for healthy personal budgeting and financial coaching. Her creative ways to make a dollar out of fifteen cents has nicknamed her The Budget Master. 

Her innate desire to help others has birthed a ministry that focuses on being debt free, stress free, and living totally free. She is also the founder of "Thirsty Thursday" Bible Study.

Nichole is the mother of two daughters and has two grandchildren.