Financial well-being is not just about numbers—it is about confidence, choice, and freedom.
“Financial well-being is a state of being wherein a person can meet current and ongoing financial obligations, can feel secure in their financial future, and is able to make choices that allow them to enjoy life.” (CFPB, Consumer Financial Protection Bureau, US).
It is well known that compared to men, women often feel more under-confident in their skills to manage money. This feeling of incapacity and lack of control negatively impacts their financial well-being.
Compared to men, women in Europe:
- Earn 12.7% less than men on average (European Central Bank, 2026)
- Have 25% lower pensions compared to men (Eurostat, 2026)
- Are 80% more likely to retire in poverty (European Central Bank, 2026)
- Invest 29% less of their monthly income on average (N26.com)
My academic background in accounting strengthened by my research in financial behaviour of women allows me the opportunity to propose my services in the area of promoting financial well-being for women (not only).
I propose two formats for financial well-being coaching – single sessions and bundles of multiple sessions.
My proposal
Single sessions
Single sessions are useful when you have a particular financial topic to work on, such as ‘how to get started on saving for the future, understanding fixed versus variable expenses in your budget’ etc.
Prices available on request
Financial Well-being packages
However, if you are looking for developing comprehensive skills and deeper insights into your own financial habits, I propose two different bundles:
Package 1: Foundations in Financial Well-being
(4 sessions)
This focuses on basic financial management and budgeting skills for someone willing to take the first step in this direction.
What you get: A solid understanding of money and financial principles, which you will be able to sharpen with practice and experience.
What you get in each session:
- Session 1: Understand your current financial situation
- Session 2: Know your main expense categories
- Session 3: A broad savings plan
- Session 4: Goal-setting: Prepare and manage your budget
Prices available on request
Package 2: Advanced Financial Well-being
(8 sessions)
Focuses on basic financial management and budgeting skills, along with an examination of your financial habits and triggers. This bundle covers all contents of the Foundation bundle and goes one step further by personalizing the client’s experience and understanding underlying money assumptions.
What you get: A solid understanding of money and financial principles, which you will be able to sharpen with practice and experience + A personalized examination of your financial habits, triggers and underlying assumptions.
What you get in each session:
- Session 1: Understand your current financial situation
- Session 2: Your values and personal goals about money
- Session 3: Know your main expense categories
- Session 4: Patterns in spending behaviour
- Session 5: A broad savings plan
- Session 6: Create a Contingency Fund
- Session 7: Wise use of debt
- Session 8: Goal-setting: Prepare and manage your budget
Prices available on request
If you are unsure as to what would work best for you, let’s connect over a discovery call. I will be happy to answer your questions.