Are you ready to turn your finances around

but don't know where to start?

Do you want to

Budget effectively and still have a little fun along the way.

Dump debt for good (and keep it gone!)

Keep more money in your account and make it start working for you!

Are you looking for

practical tips to fine tune your finances

and actionable strategies for a more successful future with money,

but are overwhelmed with all the advice available?

Do you wish there was someone you could talk to

about your money and your goals?

Someone who took the time to understand your specific situation

and helped you to find solutions that actually work?

During our 1:1 coaching calls we talk specifically about

your goals and your money,

and create a plan tailored for you.

Your personalized coaching experience

1:1 coaching is your opportunity to chat about the specific issues that you are facing in a private and safe sharing space, to find solutions that actually work for your situation.

You'll walk away with a clear plan moving forward for your debt elimination or savings goals

with strategies that will see you achieving your goals and sticking with them for the long haul

and the ability to talk face to face (via Zoom Video Calling)

with a real person who genuinely cares about your success.

1:1 coaching is more than just extra tips and strategies; it's support and encouragement, honest feedback, accountability and guidance.

My goal as your coach is to see you succeed

Your personalized coaching package includes


Four private 1:1 coaching calls with Nikki

An initial 1.5 hour video conference call followed by 3x 45 minute calls

(all calls held within 3 months from commencement)

Call notes which recap our discussions, along with  follow up steps are supplied after each call for your convenience & future reference.

Personalized budget & money management review

Personalized debt elimination plan or stepped savings goal

In depth review of your current money management systems with advice on increasing efficiencies

Your unique 24 month customized plan with tips and strategies to have you hitting your goals





Total value:


Yours Today


Family Finance and Frugal Living expert,

Nikki Beal

Wife, mum to three, blogger and personal finance coach, Nikki is passionate about helping others with practical advice and money management systems that actually work.

My mission is to teach others how to escape debt, build wealth and live an abundant life on any budget.

Nikki teaches from experience, knowing first hand the struggles of living paycheck to paycheck and being unable to escape the debt dependency cycle.

Self confessed spendaholics, Nikki and her husband Shannon struggled with mounting consumer debt for many years, until 2015 when they paid off $73,000 of debt in just 22 months, and all on a $77k pa family income.

Since then Nikki has gone on to show others how to

Escape the Grind with simple strategies that allow you to save more, pay down debt, simplify your finances and avoid the pitfalls that commonly derail attempts to become debt free and wealthy.

Overcome the most common pitfalls & stumbling blocks

faced by people trying to pay off debt and save money.

What do I need to complete the program?

The program is completely online, so all you need is internet access and a screen to view. 

Our 1:1 coaching calls will be held via Zoom Video Conferencing which is free to download.


Other than that, the only other thing you really need is a genuine desire to change your financial situation.  This program (and any other program for that matter) will not  magically change your financial situation, but this program will give you actionable steps to follow, tips and advice that actually work, and support from someone who has been financially stuck and had to learn the hard way how to be financially successful.  These steps work, but you have to work them.

How long do the coaching calls last?

Each Coaching Calls is approximately 45 minutes to 1 hour long, and will focus on different topics depending on your needs. 

The coaching calls included as part your package purchase are to be scheduled & held within 3 months of purchase.

All coaching calls take place online, via a free, easy to set up, Video Conferencing app called Zoom.

What is your refund policy?

This program was build from love and experience, and because of that I am confident that this investment will pay for itself many times over.  But I understand large online purchases can be a nerve-racking experience, and it's nice to know that if things don't turn out the way they should, you have the opportunity to request a refund.

My refund policy for 1:1 coaching is pretty simple: if you're unhappy, let me know & we'll try to rectify the problem.  If we can't, you'll get your money back.  Simple as that.

There are some exceptions where refunds will not be issued, for example, for unsuccessful coaching programs built on incorrect or incomplete information provided by the client.

You will be asked to provide honest information about your income, your debts and other liabilities, and your budget before your coaching calls.  Do not be shy or feel ashamed.  We won’t be rehashing mistakes or dwelling on what went wrong in past.  My focus is on the future, but I need to understanding your current financial situation to offer you the best advice possible. 


Refunds will also not be issued for scheduled coaching sessions that you do not attend ("no-shows"), for unscheduled coaching sessions that expire, or if you simply change you mind.

Of course, there is an expectation that you will attempted to implement the strategies taught and follow the program we develop together.


For full Terms and Conditions please visit the Refunds page.

I've already tried Dave Ramsey's / Scott Pape's / {Insert Name}'s program.  How is this different?

It's no secret we love Dave (and Scott, and lots of other Personal Finance Gurus) and you'll find lots of references to Dave's teaching scattered throughout my blog posts and videos.  Dave's program is fantastic as a 'Big Picture' roadmap for a successful financial future.  But, we found that the 'Big Picture' roadmaps (like Dave's Total Money Makeover & Scott Pape's Barefoot Steps) lack the 'How To' of the day to day family finance stuff like: How much is too much to be spending on groceries?  What are the tricks to selling your old stuff online?  As a SAHM, how can I increase our disposable income without getting a second job?  How do I handle negative or unsupportive comments from friends and family? and so on.

So, while there are loads of great programs out there which provide a broad overview of 'How To Manage Your Money Better',  1:1 coaching allows you to to walk step by step through the process with someone by your side: from creating a budget that actually works for your family, to maintaining your momentum for the long haul, I will be there to guide you, support you, cheer you on, and keep you accountable as you work towards your goal.

1:1 coaching is more than just extra tips and strategies;

it's support and encouragement, honest feedback, accountability and guidance.

Hey friend,

It's the bottom of the page!

If you're anything like me, then you want to know that this decision is going to be a great fit for you, and deliver the results you're looking for.   I understand.  I'm exactly the same way.

I wholeheartedly believe that this program can equip you with the skills and knowledge you need to break free from the paycheck to paycheck cycle, begin smashing your debts, saving like never before, AND give you the tools to keep that momentum up for the long haul.

But, if you've reached the bottom of this page and you're still not sure if this is the right fit, then why don't you shoot me an email directly at with the topic "Q's about Coaching" and lets chat about what's holding you back.

Today is your day to make a real change in your finance future.

© Copyright 2019 Nikki Beal - all rights reserved