Do you need help working through your financial matters?

If so, I can help!

 
 

I’m Manoj Philip and I’m a Personal Financial Coach with Stand By Me!

Stand By Me is a free program in Delaware that helps people with their money. Yes, it’s truly 100% free!

You can meet with a personal coach (like me) who will help you:

  • Make a budget

  • Save money

  • Pay off debt

  • Improve your credit

  • Plan for things like buying a house, going to college, or retirement

It’s private, judgment-free, and meant to help you feel more in control of your finances.

The Stand By Me program is funded through a partnership between the State of Delaware and the United Way of Delaware.

This collaboration allows the program to offer free, one-on-one financial coaching and resources to Delaware residents. Additionally, various community organizations, such as Food Bank of Delaware and West End Neighborhood House, support and help deliver Stand By Me’s services statewide.

This cooperative funding model ensures that Stand By Me remains accessible to individuals seeking assistance with budgeting, saving, debt reduction, credit improvement, and other financial goals.

I primarily serve ChristianaCare Caregivers, even if they don’t live or work in Delaware.

ChristianaCare is involved with the Stand By Me program to support the financial well-being of its employees (Caregivers) and the broader community. As a major healthcare provider in Delaware, ChristianaCare recognizes that financial stability is a crucial component of overall health.

To facilitate this, ChristianaCare has partnered with Stand By Me to provide free, confidential financial coaching to its employees! This initiative ensures that staff members have access to resources that can help them manage their finances, reduce stress, and improve their quality of life. By investing in the financial health of its workforce, ChristianaCare aims to foster a more supportive and productive work environment.

Stand By Me is part of the benefits package at ChristianaCare. Just like health insurance supports physical well-being, we help support financial well-being — and it’s all included as a free benefit!

I’m employed by West End Neighborhood House in Wilmington, DE.

I’m officially employed by West End Neighborhood House in Wilmington, DE, which partners with Stand By Me. Through that role, I serve as a contractor at ChristianaCare, working under the Benefits Department. That’s why I have a ChristianaCare email address, ID number (801#), and access to some internal systems — because I’m integrated into the organization to support employees directly.


While ChristianaCare Caregivers are my primary clientele, I also help people who aren’t affiliated with ChristianaCare.

This includes family & friends of Caregivers, former or retired Caregivers, and anyone who lives, works, or goes to school in Delaware!

Even if you don’t currently live, work, or go to school in Delaware, I’ve still got you covered! Basically, if someone referred you and you’ve made it to my website, you’re welcome to book as many free appointments with me as you’d like. Don’t overthink it or count yourself out!


I built this website with you in mind — to make it simple to get the information, support, and resources you need.

You’ll find plenty of valuable resources here. Take your time going through it all — it’s here to support you, and so am I!