Jody Blum, MSW, founded minusPLUS two years ago after getting out of overdraft herself. She began teaching the "Overcoming Overdraft" course in February 2003, and launched private coaching in September 2004 to meet increasing demand for a more one-on-one approach. Jody continues to work with clients on an ongoing basis.

With degrees in Business Administration, Psychology and Social Work (University of California, Berkeley), Jody has been helping individuals in Israel take control of their finances and get out of overdraft since 2001 when she founded
Personal Organizations Services.