12-Month Money Makeover
The Brand New Coaching Platform Where We Do The Legwork & You Learn The Skills
Emotions rule our head when it comes to money.
The more money we earn, the more we spend. Would you agree?
Despite the fact that most of us have the basic knowledge and skills we need for effective budgeting and saving, research has found that we simply aren’t doing it.
Have you ever wondered why…
Managing our money is more emotional than it is rational. Unless we’ve been taught the skills, it takes a lot more than knowledge to help us put our plans into action.
That’s why we’ve taken our online training one step further with this brand new coaching program where we do the budget tracking and progress reporting for you.
With quarterly coaching, new knowledge without the jargon and a few small tweaks over the course of 12 months, you will discover how much wriggle room your finances actually have.
Create your future on your terms
Who is 12MMM for?
The 12-Month Money Makeover is for women who:
Why be part of the 12MMM community?
A recent survey by the Financial Planning Association of Australia found that people’s top two regrets were: not saving enough and making poor financial decisions.
We’re here to change that!
And SO much more!
Meet the Woman Behind Women With Cents
Natasha Janssens is a proud mum, qualified accountant, financial planner, mortgage broker and financial storyteller gifted at sharing her expertise in a way anyone can understand. She was recognised as the Institute of Public Accountants 2017 ACT Member of the Year, a finalist in the 2017 Mortgage and Finance Association of Australia ACT & NSW award categories of Young Professional of the Year; Industry Newcomer of the Year; Customer Service; and SOLD Community Champion of the Year. She has also been featured on Today Tonight and writes for Mamamia.
Based in Canberra, Natasha is also the founder and director of Sova Financial, a role she balances with family life. When it comes to juggling a business, a child and the transition to a single income household, she knows exactly how challenging it can be. After witnessing other women facing similar struggles, she discovered her calling: to shift the way women think about money forever.
Natasha created Women With Cents and has grown it into an award-winning community of women who are actively changing their financial future. As well as being featured on Feedspot’s Top 40 Women’s Finance Websites Worldwide, Women With Cents won the Women In Finance Awards: Women’s Community Program of the Year for 2017. She has also been featured on Today Tonight and writes for Mamamia.
NATASHA IS A RESPECTED MEMBER OF THE FINANCIAL COMMUNITY AND ALSO A MEMBER OF:
Why Natasha created 12MMM
As the carers and nurturers of the world, we generally tend to put ourselves last. Despite the fact that women are catching up with more of us graduating and earning better wages, it remains true that:
And, on top of all that, we simply don’t have the time to do it all! That’s where 12MMM comes in.
We do the budgeting, tracking and reporting for you (the boring stuff!), teach you real strategies you can begin to implement immediately, help you set achievable goals and guide you along the way during four quarterly coaching calls.
Think of it as your financial-fitness instructor. Just as you might engage a personal trainer to improve your physical fitness, this is a program to improve your financial fitness.
What’s included in 12MMM
As part of your 12-month membership you will receive:
Know exactly where you’re going and how to get there with guidance from industry leading experts.
And ALL for just
$260.00 per month
Hear what just some of our members have to say…
Your 12MMM Bonuses
Cents and Sensibility (value $47)
Completely self-paced, this two-week mini program will guide you step-by-step to shift your money habits and become strong, capable and in control of your family’s finances. Learn the three causes of overspending, the one thing getting in the way of you building wealth, how to make time for your finances without adding to your to-do list, the secret to following through on your money goals, plus more!
Making Cents of Money (value $397)
Over 12 modules, you’ll begin by exploring your values to help make lasting change and then uncover the beliefs and emotions that have been influencing your finances. With Margie Warrell’s expert insights, you’ll be guided through ways to overcome whatever has been holding you back. We then move into setting real and meaningful goals. You’ll learn how to be the confident creator of the future you want with everything from budgeting, demolishing debt, money management and investing through to insurance, estate planning and superannuation.
Core Foundational Training (value $197)
Mortgage Basics, Investment Basics, Superannuation, Estate Planning, Life Insurance.
Women With Cents Financial Health Check (value $99)
12-months access to our Financial Health Check tool. Get an individually tailored report to help you really get on top of your finances and prioritise your goals for the short term with a monthly one-page snapshot.
Chant West Super AppleCheck Research Tool (value $199)
12 months access to a leading online comparison tool which is simple to use and allows you to compare superannuation funds. Created by independent specialist superannuation research consultant, Chant West.
Women With Cents Estate Planning Discovery Tool (value $99)
12 months access to our market-leading Estate Planning Discovery Tool to help you review your estate planning needs and identify any gaps.
Access To The Women With Cents VIP Community (value PRICELESS!!)
The best way to stick to your goals and change your habits is to surround yourself with like-minded people. Our VIP Facebook group connects you with other women on the same journey who are ready to take control of their finances. Our members tell us it’s invaluable to be able to share stories and ask questions. Come join us!
It’s not about the cards you are dealt, it’s how you play the handRANDY PAUSCH
It’s your future, so make it happen on your terms
The information provided by Women with Cents is general in nature. It doesn’t take into account your objectives, personal financial situation or needs. Think of it as educational material that helps you make more-informed decisions. We recommend you obtain financial, tax and credit advice specific to your situation before making any investment or financial decisions.
Sova Financial Pty Ltd Trading as Women with Cents (ABN 71 163 435 836) | Sova Financial is an authorised Credit Representative (443432) of Finsure Finance & Insurance Pty Ltd (ACL 384704, ABN 72 068 153 926) | Sova Financial is a corporate authorised representative (468977) of Shartru Wealth Management (AFSL 422409, ABN 46 158 536 871)