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Virtual Course


Do you feel like no matter how hard you try, you just can't seem to get ahead financially?

You’ve tried to build your savings so that you can start investing in your future but 'Life' always seems to get in the way. You get off to a good start, but then an unforeseen expense comes up and you lose momentum. You find yourself back to square one and you're tired of always living month by month

Stressed Woman

Does this sound like you?

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You can't live without your credit card

You are always living for your next paycheck

You have intentions to save money but it never happens

You feel overwhelmed when it comes to managing your finances and following a budget, so you ignore it

You know you need to make a change, but don’t know how

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Basic money management wasn't taught to you in school.
The only education you've had was from your family and it wasn't always the best environment
We live in a society that teaches us to spend, not save, with constant temptations it's hard to keep up with the 'Joneses'
You've never been taught to invest in your own financial future and lack financial literacy

You’re feeling this way because...

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In 2018 I pulled myself out of thousands of dollars of debt following a separation. At the time, I felt lost, alone and like I would never be in a better financial position because I couldn't see the light at the end of the tunnel.


I felt like I was drowning and I knew there had to be a better way. I was introduced to personal development that completely shifted my mindset and in 2019 I was debt-free. I realized my future was all in my hands.


I was working as a Financial Planner and I knew I needed to use the lessons I learned from my separation experience, my personal development training, and my technical expertise to create a new way to learn about money.


This is how I created my Financial Coaching business, so I could work with more people like you to feel secure, confident and supported with your finances. 

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What if I told you there was a better way?

Your life before the course:
Your life after the course:

Your are living paycheck to paycheck and feel like you will never get ahead

Every time you login to your online banking, you feel stressed

You worry about money because you never seem to have enough of it

You will have a clear plan for where your money should go every time you get paid

You can afford to do more of the the things you love because you saved the money first

You look forward to the future and know exactly how to create it

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Imagine a life of Freedom where you can say 'Yes!' more and feel guilty less.


Whats included:

Lifetime Access to Money Mastery 101

5 Modules of Educational Videos

Downloadable workbooks

Facebook Community Page

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A step-by-step strategy for financial freedom without engaging a Financial Planner.

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With Money Mastery 101, you can:

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Pay off Debt Quicker

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Create Emergency
Cash Savings

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Begin Investing for
your Future

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Lifetime Course Access

5 Easy to Follow Modules

Course Workbooks

That you can watch at your own pace

So you can follow along and do your own activities



Within each module are multiple videos, workbooks and supporting materials.

Module 1 - Your Relationship with Money & Money Stories

In this module, you will learn about your money history and why you make the decisions that you do. You will also learn the importance of talking about money and how to have better conversations without fear, shame or guilt. 

You will learn how to use a Cashflow Calculator to track income and expenses, how much leftover you have each month and how to use that surplus to your long-term advantage. This budget exercise will be paramount to you understanding your current financial position and areas for improvement.

Module 2 - Cashflow and Budgeting 

Module 3 - Multiple Streams of Income

This module teaches you about the different types of income, how to create them and how to grow your income so you have more financial opportunities to pay debt off faster, save more and begin investing. Having more than one source of income is no longer a luxury, it's a necessity and this module teaches you how to earn more money.

Module 4 - Understanding Debt

In this module, I discuss the debt and how it affects our lives as consumers, and how to get out of debt faster, so you save money in the long run. I explain how you can use debt to your advantage, and important factors about debt that you may have been unaware of in the past.

Module 5 - Investing

This module is the most exciting! Learn about the most important mistakes that beginner investors make, so you don’t have to! You'll learn about what to do with your money once you have savings, things to consider when entering the stock market, the pros and cons to property and much more!

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Sandra made me feel like it was a safe environment for me to be honest about what I wanted to achieve, she made everything very simple and easy to understand since I didn't really understand my own finances


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By doing these sessions, my self-esteem and self-confidence around money improved incredibly fast and it keeps getting better every day.


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Sandra Joe is a former Financial Planner turned Financial Coach and Entrepreneur and has over 7 years experience in Finance. She is passionate about making financial literacy easy-to-understand and affordable to all, and has created her programs to help people like you to stress less about money and earn more of it.

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