You've tried budgets before.
Something keeps getting in the way.
It's not a willpower problem. It's not a maths problem. It's the way your brain is wired to handle money stress — and it's more common than you think.
Budgets live above the waterline.
The real work is below.
ABOVE THE WATERLINE · BEHAVIOUR
- Budgets
- Spreadsheets
- Apps & side hustles
- Finance books & courses
- What you track, what you try
BELOW THE WATERLINE · THE STORY
- Inherited beliefs about money
- Fear of looking at the number
- Shame loops that override plans
- Identity tangled up in earning
- What you learned before you could name it
Most financial advice works above the line. The Money Story Method starts below it.
You might recognise
yourself here.
If one or more of these land, you're probably in the right place. None of this makes you broken — it makes you human, and it's more common than the finance world likes to admit.
- You've downloaded budget templates you never opened
- You check your bank balance less often than you'd like to admit
- You know you "should" invest but the whole thing feels overwhelming
- You've had the shame spiral after an impulse purchase more than once
- Your income is irregular — or you're self-employed — and it keeps you up at night
- You want to feel calm about money, not just "good at it"
Simple, honest places to start.
The Money Story Method
12-week 1:1 behavioural coaching
The deep version of this work. For anyone who's tried everything and wants to go underneath the budgets and apps — into the story running the pattern.
See the programme →The Money Beliefs Quiz
A short, research-based quiz built on Brad Klontz's Money Scripts framework. Find out which of the four scripts you're running — Money Avoidance, Worship, Status, or Vigilance — in about three minutes.
Take the Quiz → Free — 2-page PDFThe Quiet Money Cheat Sheet
Three cognitive patterns quietly sabotaging your money — and the exact behavioural fix for each. The Ostrich Effect. Loss Aversion. Present Bias. Plain English, mapped to real decisions you're making this week.
Get the 2-page PDF → Practical ToolsWorksheets & Planners
A small, growing collection of judgement-free tools designed for people who've already tried the usual apps and templates. Available on Etsy, priced so you can actually try one.
Browse on Etsy → Weekly EmailNotes on the Quiet Side of Money
Short, honest emails on money, behaviour, and what the research actually says. One email a week, no pressure, and one-click unsubscribe any time.
Subscribe →
A quick note on why me.
I studied behavioural economics at MSc level to understand why smart, capable people make money decisions that don't look logical on paper.
Then I spent years as a qualified financial planner, watching people walk out of meetings with sound plans and change almost nothing about how they lived.
Way of Wealth is what I built to work the layer underneath — the one every standard plan skips over.
Read the full story →Start where it's quiet.
Three cognitive patterns run most of the money decisions people end up regretting — the Ostrich Effect, Loss Aversion, Present Bias. Two pages. Plain language. The exact behavioural fix for each. Sent to your inbox in seconds.
Send me the cheat sheet