About Clock & Coins

Welcome!

We create smart, simple tools that help you stay on top of your time and your money (because who has enough of either?). Whether you’re tracking time, taming your budget, or just trying to drink your coffee while it’s still warm — we’ve got something for that.

Hello & Welcome! 🌟

Meet the Founder: Carmen Cents 🎯

Hi, I’m Carmen — your go-to bestie for time management for moms, smart money moves, and goal-getting strategies!

Carmen Cents smiling at her desk with a planner and coffee in a warm, minimalist workspace — founder of Clock & Coins, helping moms master time and money with intention.

Here’s a little about me:

Time Management Pro ⏰

  • Over a decade using detailed planners (before digital planning was even a thing).
  • Now a proud digital planning nerd — with templates that track family, health, business, and financial goals seamlessly.

Personal Finance Nerd 💵

  • Exceeded aggressive income goals in high-pressure sales roles.
  • Built strong credit, navigated homeownership, and mastered zero-based budgeting through real-world experience — not just theory.
  • Advocated for cash envelopes and smart money habits long before they trended.

Consumer Finance Expert 🚗

  • Helped hundreds of families make smarter car buying and leasing decisions tied to their financial goals — not just their wishlists.
  • Prioritized money education with every transaction.

 

Ready to Start?

 

  • ✅ Weekly Time Block Template
  • ✅ Zero-Based Budget Sheet
  • ✅ Goal Tracker to stay focused + consistent

 

 

Transparency 🖤
At Clock & Coins, you’ll find real-world experience blended with formal education in business, financial planning, and time management best practices.  Every piece of advice is shared with integrity, authenticity, and a relentless passion for helping women thrive — in real life, not just on paper.
Minimalist workspace setup with a speckled ceramic coffee mug, white notebook, and neutral vase, symbolizing organized time management and intentional living.
Elegant home office with a gold table, laptop, and neutral modern decor, representing goal setting, productivity, and financial success from a peaceful environment.

Let’s collaborate

interested in a collab? I’d love to connect!

Contact me