Freedom starts with your finances

Break The Paycheck To
Paycheck Cycle - For Good

It’s not about cutting the fun. It’s about building a budget that supports your goals, your joy, and your future.

Start Budgeting with Me – Take Control Today!

Build Financial Confidence

Start making informed decisions

Get Real-Time Coaching

Ask questions, get feedback

Stop Guessing, Start Growing

Create a budget that frees

What it is COSTING you to NOT take CONTROL of your PERSONAL FINANCES by being coached on how to build and use a BUDGET

You’re stuck in the paycheck to paycheck cycle. Maybe you’ve tried breaking it yourself but your budgeting techniques just don’t work for you. Don’t go another month stuck in this rut.

From a global pandemic, to inflation, to tariffs, to stock market volatility and the constant talk of recession. The cost of living has increased dramatically and the media makes it sound like more doom and gloom is pending. You can be victim to these external factors or you can take control of your finances no matter what the wider economic landscape is.

You can’t save your way to wealth so you don’t know if it’s worth investing in budgeting coaching - it’s not making you more money like an investing course would. This is wrong! You can’t save your way to wealth, but you can spend your way to bankruptcy. Not knowing how to manage your money means even if you make lots you’ll spend it away. Nicholas Cage was once worth $150 million but spent it all to the point the tax authorities went after him for unpaid taxes. Learning to manage your money is the first step to building wealth.

Start Budgeting with Me – Take Control Today!

What it is COSTING you to NOT take CONTROL of your PERSONAL FINANCES by being coached on how to build and use a BUDGET

 You’re stuck in the paycheck to paycheck cycle. Maybe you’ve tried breaking it yourself but your budgeting techniques just don’t work for you. Don’t go another month stuck in this rut.

  From a global pandemic, to inflation, to tariffs, to stock market volatility and the constant talk of recession. The cost of living has increased dramatically and the media makes it sound like more doom and gloom is pending. You can be victim to these external factors or you can take control of your finances no matter what the wider economic landscape is.

 You can’t save your way to wealth so you don’t know if it’s worth investing in budgeting coaching - it’s not making you more money like an investing course would. This is wrong! You can’t save your way to wealth, but you can spend your way to bankruptcy. Not knowing how to manage your money means even if you make lots you’ll spend it away. Nicholas Cage was one worth $150 million hit spent it all to the point the tax authorities went after him for unpaid taxes. Learning to manage your money is the first step to building wealth. 

Join Me

As Featured In The Mirror, Yahoo Life & The Metro

3 Steps to a Smarter, More Efficient Budget

Understand the complete process for budgeting

Budgeting isn’t a one and done exercise it’s a process - that’s why there are 4 sessions to this group coaching. Each session teaches you a part of the process which is fundamental to understand in order to succeed. This group coaching will leave you confident that you have a process you can implement to achieve the results you want.

Create a budget that is bespoke to you

Your situation and goals are unique to you. That’s why generic budgeting templates and apps don’t resolve your problems. Through our sessions you will develop a robust budget, tailored to your unique situation, that you can takeaway and work towards immediately.

Learn from an expert and also from others

Through group coaching you benefit from having other peoples' questions answered that you might not even have thought of yourself but are helpful to you. By engaging in a conversation around personal finance and budgeting you have an unparalleled learning opportunity.

3 Steps to a Smarter, More Efficient Budget

Understand the complete process for budgeting  

Budgeting isn’t a one and done exercise it’s a process - that’s why there are 4 sessions to this group coaching. Each sessions teaches you a part of the process which is fundamental to understand in order to succeed. This group coaching will leave you confident that you have a process you can implement to achieve the results you want.

Create a budget that is bespoke to you

Your situation and goals are unique to you. That’s why generic budgeting templates and apps don’t resolve your problems. Through our sessions you will develop a robust budget, tailored to your unique situation, that you can takeaway and work towards immediately.

Learn from an expert and also from others

Through group coaching you benefit from having other people’s questions answered that you might not even have thought of yourself but are helpful to you. By engaging in a conversation around personal finance and budgeting you have an unparalleled learning opportunity.

YOU'RE IN GOOD COMPANY

Despite being an Oxford Graduate, I was never formally taught about personal finance at school or university, which resulted in me being in your shoes - making questionable financial decisions and living paycheck to paycheck — unable to reach my financial goals.

I know how frustrating it feels to work hard and still feel stuck. That’s exactly why I created this program. Through being a Chartered Accountant and working with multi-million pound start-ups and scale-ups I learned how businesses manage their finances. And I realised that these principles can be applied to personal finance.

So I set out to optimise my own personal finances and it worked wonders. I saved over ÂŁ1,500 per month (as featured in The Mirror), I saved over ÂŁ20,000 when I got married, I bought my first home on my own at 28, and I continue to balance building wealth with enjoying life.

I am now on a mission to help you optimise your money and finally meet your financial goals. I’ve helped people just like you build a budget that actually works — one that supports both their goals and their joy. Now it’s your turn. You don’t have to do this alone. You're in the right place — and you’re in good company.

 

— Pernia.

Live Coaching Features

We will complete 4 coaching sessions, 1 per week that will be about 60 minutes.
Each session will cover an important pillar of building and implementing your budget.

1. Your financial goals and financial mindset

In this session, we will explore your financial goals and how to set SMART goals that align with your values. You will learn how to track progress and overcome limiting beliefs around money. Developing a healthy financial mindset will lay the foundation for budgeting, spending, and income planning throughout the course. You'll gain the tools and perspective to approach money with confidence and purpose. 

2. Managing and optimising your spending

In this session, we will identify spending patterns and help you build awareness around money habits. You’ll learn how to optimise spending without sacrificing your values, avoid common spending traps, and make decisions that support your long-term goals. We'll explore practical strategies such as prioritising needs over wants, using spending categories, and shifting behaviours for sustainable progress. 

3. Budgeting for your income

This session covers the essential role your income plays in financial planning. Budgeting is not just about cutting costs—it starts with understanding and maximising your income. You will learn how to track your earnings, increase your income through career growth and external sources, and align your budget with your life goals. We’ll also begin introducing templates and practical tools for setting up your personalised budget structure.

4. Creating, reviewing and using your budget

 This session combines everything from the previous lessons to create a working budget tailored to your lifestyle and goals. We’ll walk through how to maintain your budget, track progress, and adjust over time. This will help you stay accountable and refine your strategy—remember, the more you put in, the more you’ll get out of this process. 

Not sure if this is right for you?
You're covered with a 14-Day Money-Back Guarantee.
I know investing in yourself — especially when money already feels tight — can be scary. That’s why I want to remove all the risk.
If you join the program, attend the first two sessions, do the work, and decide within 10 days of the start of the program (after your 2 sessions but before the 3rd) that it’s not what you expected or not the right fit for your journey, I’ll give you a full refund. No hassle. No pressure. Just an honest conversation.
This isn’t a “gotcha” offer. It’s a commitment to supporting real change — not forcing anyone to stick with something that doesn’t feel aligned.
Because at the end of the day, this isn’t about selling you a course. It’s about helping you finally create a budget that gives you peace of mind, confidence, and control — and I stand behind that promise completely.
Try it out. Join the sessions. Ask your questions. Do the work.
If it doesn’t feel like the right step for you, you’ll get your money back — simple as that.

FAQ