Understand your current financial situation and challenges
Why do people struggle with money even when they know what to do?
Our relationship with money is deeply emotional driven by fear, greed, stress, and even comparison.
Avoidance, indecision, missed opportunities
Risky choices, unrealistic expectations
Overspending, lack of control
Avoidance of finances, denial, hiding problems
Financial pressure, burnout, poor decisions
When unmanaged, these behaviours can lead to debt, stress, and financial instability.
When you learn to manage your emotions and take control of your financial decisions,
you build confidence and improve your financial outcomes.
When you manage your emotions, you take control of your money.
Your financial behaviour is shaped by who you are.
Lives today, struggles with long-term plans
Enjoys spending, may lack discipline
Goal-driven, confident, takes control
Gives to others, may neglect own needs
Avoids risk, seeks safety and stability
Uses money for image and recognition
Discover your money personality.
People move through different stages before achieving financial success.
Our coaching helps you identify where you are and guide you to the next stage.
Unaware or not ready to change. Often feels stuck or overwhelmed.
Recognises the problem and starts thinking about change.
Begins planning, budgeting, and taking small steps.
Develop practical steps tailored to your situation
Achieves stability and maintains long-term financial wellbeing.
‘I am tired and fed up. People don’t understand. I work so hard but every month I have this sinking feeling that I am going deeper and deeper into financial problems that I wonder if there was any way out… I still don’t know yet…I am not ready to see anyone …I feel embarrassed”
-Dr. D1072
The first stage, ‘I can’t or I won’t’ is a ‘Pre-contemplation’ stage, in which the individuals see that there is no need to change. They are unaware that they have a problem. They often feel pressured to change by people around them as they feel they can’t or they won’t (Shockey & Seiling, 2004; Xiao et al., 2008). From their perspective, other people or factors around them are responsible for the problems, and therefore are not looking for help to make a change. People in this stage will rarely seek and use information, react emotionally, or re-evaluate themselves about negative aspects of their problem. They need long-term awareness strategies to move them to the next stage. They consider making a change within the next six months (Prochaska et al., 1992).
”I always drag, drag and drag to come here…actually I could have made it for the appointments but when there is some small work then I will think… ahh …what am I going to learn from them? …they are going to tell me something that I already knew… then at one point, I came here (coaching session) sat down and realised how important that session was…it took away the insecure feeling I had …”
-Ms. S3563
The second stage in the change process is ‘Contemplation’ or the “I may” stage. Individuals realize and acknowledge that they have a problem and beginning to give it a serious thought by seeking to solve it. They are struggling and looking for sources of help, seeking information fearing that they might not be able to handle the situation on their own. They are open to educational processes, and they begin to re-evaluate themselves concerning the rational thinking and emotional aspects of the problem and how this change is going to affect them. (Prochaska et al., 1994, 1992; Prochaska & DiClemente, 1982; Shockey & Seiling, 2004; Rajna 2018). They need encouragement, motivations, and strategies to assure that the benefit of the change is far greater than the fear of change. People in this stage are taking ‘pre-action’ steps to move forward yet not ready to take action (Xiao et al., 2008). They intend to take action within the next six months (Xiao et al., 2004).
…now I monitor my spending, … I’m doing budgeting and I go according to the plan,…how much should I spend on certain things and not do the spontaneous spending which I normally used to do … and now I started to invest small amounts…
-Dr. G6104
I was curious… I was in debts…I was contemplating ….It actually showed me where I stand … it’s a reflection…It gave an opportunity for me to review my current financial status … it was actually an eye-opener … what needed to be done … what is important and what I have neglected … it gave me awareness…
-MDM. D4095
The third stage is ‘Preparation’ and is known as the “I will” stage (Xiao et al., 2008). The individual in this stage are motivated and are determined to take action. They are enthusiastic to start the changes within 30 days. As they are beginning to prepare for the changes, they are making commitments and trying different strategies like setting goals and making plans to achieve targets set. They will be seeking information and support as they are concern that they might fail (Prochaska et al., 1994). People in this stage may sound like this: “I am going to cut up my credit cards;” “I am going to see a credit counsellor this week;” “I am avoiding shopping online” (Xiao et al., 2008, Rajna 2018). At this stage, guidance and knowledge can provide the impetus for participants to begin moving forward. Since many people simply lack direction, financial literacy training can offer step-by-step directions aimed at instilling confidence in their skills as they work toward their personal financial goals. The individual intends to make a change, has begun taking behavioral steps, and expects full action within the next 30 days. (Prochaska et al., 1994).
The fourth stage is the “I am” or the ‘Action’ stage. This is the stage in which the positive thinking and starting of good behavior begins. The action stage is the one that most people begin to see the changes. The changes are felt within oneself. This is the most critical stage where much motivation and praise are needed. Since serious change involves hard work, the initial excitement may give way. For example, in budgeting, writing daily expenses need commitment and discipline. Daily tracking expenses takes energy and effort to form habit. Therefore, people in this stage need support from family members and peers to motivate to believe that they can implement the changes (Rajna 2018). Once participants reach this stage, continued reinforcement for their efforts through ongoing training and support is crucial. A quality financial education program that has enough time will push participants to next level. The process of changing within 6 months or less. Rewards and appraisal boost their confidence (Prochaska et al., 1994)
Now I’m financially successful…I solved my financial problems…I managed to settle all my debts … I am saving a lot more now…
-Dr. D 3090
I’m happy now…I have financially improved…I set goals… now a days I do budgeting…I go according to plan …I have enough money allocated to go for a holiday…I have started an investment plan …
-Ms C 2044
The final stage of the change process is reaching ‘Financial Success’ stage. It begins about six months after the action stage take control. It is a struggle to make the change permanent. Lapses and relapses are common, and awareness and commitment to change must be great. It is a long term effort till the temptation to go back to the old behavior is no longer there. Self-assessments on possible relapse and planning ahead for challenging situation with coping strategies help to maintain the changed behavior and move forward to financial wellbeing (Prochaska et al., 1992).
With the right guidance and coaching, you can move from uncertainty to financial success.
Request Financial Coaching
Get practical guidance and personalized support to improve money habits, build financial discipline, and make confident financial decisions.
Tailored guidance to help you understand your finances and build better money habits.
Practical methods to improve spending, saving, and budgeting for stronger financial discipline.
Continuous guidance and follow-ups to help you stay focused on your financial goals.
A structured session to understand your current financial situation, identify key gaps, and gain clarity on your financial position.
Personalised coaching sessions to guide your financial decisions, improve money habits, and build long-term financial confidence
Structured support to develop a clear and practical financial coaching plan based on your goals, priorities, and current situation.
Regular review sessions to monitor your progress, strengthen accountability, and ensure continuous financial improvement.