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

You’re feeling this way because...

  • 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


What if I told you there was a better way?


  • 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



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

Pay off Debt Quicker


Create Emergency
Cash Savings


Begin Investing for your Future



Lifetime Access

Come back to the program as often as you want.

5 Modules

Five easy-to-follow modules that will help you learn.

16 Videos

16 video trainings that cover everything you need to know.


Workbooks to help you implement everything.



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. 

 Module 2 - Cashflow and Budgeting 

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 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!



Sandra Joe is a former Financial Planner turned Financial Coach and Entrepreneur and has over 7 years experience in Finance.

After formerly working as a Certified Financial Planner® CFP, I realized that there was a need for the younger generation to learn money management and financial literacy in order to build wealth over time. I like to call these the years where you are “in the trenches”. I love to work with ambitious people who are juggling careers, young families, new businesses, buying their first property and looking at ways to maximize their income, get out of debt faster and create more time freedom. But if there’s one goal that ALL of my clients have used, when asked about what they want to achieve, it’s Financial Security. 

I don’t say that because it’s trending or the current buzzwords… but because that was me!  

Thus, Sandra Joe Financial Coaching was born! I have created programs to meet everyone's budget so there's no excuses for not getting started.

Investing in yourself today will improve your knowledge for the rest of your life. It's called the Compounding Effect, and I'm here to help.


Client Testimonials

Her course exceeded my expectations with sessions being very tailored to the questions I had about developing my business as a physiotherapist.

I highly recommend this course to anyone who is either intimidated with finances, want to gain a better understanding and feel more confident with their finances, and making a plan to achieve their personal and financial goals.”

- Jessica, Vancouver

I’m so grateful to have met Sandra. Not only is she a phenomenal financial coach, but she has really helped me make the connection between my limiting beliefs and money stories. 

She has great energy, is easy to talk to, and is very comforting; these qualities are vital, as talking about money has been overwhelming and difficult for me, especially since leaving corporate and becoming a business owner. Having not only her practical knowledge coupled with her supportive coaching has been wonderful.

- Jennifer, New York

I knew I needed to invest in myself and my business to get me where I want to go. I now have a clear plan on how many clients I need to have a monthly basis to make the salary I deserve. I also have learned valuable lessons around where my money is going every month and how much I need to have that "cushion". I highly recommend Sandra and have already referred people to her!

- Rhonda, Dallas

As a couple who have lived in multiple different countries (Australia, Hong Kong & Canada) we wanted to learn about how to better manage, grow and invest our money whilst understanding the tax implications. Prior to enrolling in the coaching, we had some basic knowledge but we wanted to enhance our financial literacy.  Sandra is such a relatable person and made us feel so comfortable diving into a world that was very unknown to us. Sandra also gave us a framework with which to visualise our goals, and this has already helped us in making decisions in how we plan our future holidays and what we can and cannot afford. We are now able to put the skills and knowledge that Sandra has passed onto us into practice when we start our family. To then also pass down this new-found knowledge to our children so that they begin their money journey in a better place than we did.

- Maddy & Scott, Melbourne


My sister referred me to Sandra and I’m so thankful she did.  I was ICU RN working big money COVID contracts. I was recently engaged and started a new trucking business. Sandra has been so helpful in showing me how to financially manage my trucking business and transition it to a family business now that I’m married.  She’s so knowledgeable in helping us forecast and plan for business expenses and profits.  My only regret is that I didn’t utilize her services earlier.  I would have been further along in my financial journey.  My husband and I have different money values/spending habits so she’s been super helpful in getting us on the same page.  Let me tell you….JUST START WHERE YOU ARE AND SHE WILL GIVE YOU THE DIRECTION YOU NEED! Thanks so much, Sandra!

Arynia & Tony, Dallas

Where do I start?! Our sessions got personal quick and I really like that because I don't care for fluff. I came in expecting money, mindself and business talk, but you surprised me in a really pleasant way with activities that helped me dive into more of the meaty heart and relational matters of money. I appreciate your transparency, expertise and genuine care to see me grow and succeed in my business and life! We have a few more sessions to go and I look forward to see what we uncover together!

I like the structure in which we meet and the different activities you've provided. The homework aspect of our sessions helps me a lot in diving deeper into processing what I want in my business and life altogether. You're an attentive listener and can feel that you genuinely care about seeing me succeed, and I take comfort in our shared similarities. Also, hearing about your business and the process in which you got to where you are and continue to grow and build is inspiring and motivates me.

- Mariam, Vancouver