"Getting in Control of Your Money" Coaching Programme
***Join our "Getting In Control Of Your Money" Coaching Programme Today and Receive a Free
Money & Goals Spreadsheet
Valued at $15.00***
Discover How To Increase The Flow Of Money In Your Life!
Imagine the new heights you could achieve with a Money Detective Coach working alongside you
Get in Control of Your Money 
Reduce Money Stresses 
Improve Financial Skills 
Increase Your Confidence with Budgeting
Get On Top Of Your Bills Uncover the Real You
Discover New Ways to Manage Your Money
PROBLEM: Food price rises mean more pain at the checkout
“The pain for shoppers at the checkout is continuing with food prices rising more than twice as fast as most people's pay packets. Australian Bureau of Statistics data also reveals the cost of food is outrunning inflation.
The rise in food prices was well above the increase in average household disposable income, up by 2.25 per cent over the year to September 2008”. REPORTED COURIER MAIL 5.2.09 BY PADDY HINTZ
SOLUTION: Your coach will show you how easy it is to create and follow a budget. By having a budget and using tools such as Money Detective’s Menu Planner & Shopping List you can save yourself stress at the check out and be one step ahead of rising prices.
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What I realised is there is a whole other way of doing things when it comes to money – how exciting! I’m looking forward to learning the new ‘language’. We are making progress with our ‘to do’ list. The interesting thing is that our day to day living has not suffered at all because of our new budget. Amazing how much of the pseudo deprivation one experiences actually takes place in one’s head, not in reality. Aah, human behaviour – always fascinating.” D. Moss, Southport QLD |
PROBLEM: Three quarters of women admit financial failings
“They may love to shop, but three out of four women admit they don't understand money matters, claims new research aimed at improving spending habits. Minister for Women, Margaret Keech says women need to take control of their finances. Too many women are putting off learning about money matters. They say they’re too busy, too tired or it’s all too hard to understand.” REPORTED COURIER MAIL 17.8.08 BY HANNAH MARTIN
SOLUTION: Our easy to understand coaching programme will teach you about money matters and get you in control of your finances. We know you are busy, so this is all done in a power packed 30 min session over 8 weeks.
 | Testimonial “We are feeling pretty good about where we are at present and what we have achieved in the last 3 years since seeing Heather. We would never have achieved this without Heather’s guidance and advice.” A Stenson, Brisbane QLD |
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PROBLEM: More than 1.3 million households are suffering mortgage stress despite low interest rates, a new survey has found
“Independent market analyst Datamonitor found that almost a quarter of mortgage holders are experiencing mortgage stress, with first home buyers who bought in the past 12 months especially vulnerable.” REPORTED COURIER MAIL 10.5.09 BY COLIN BRINSDEN
SOLUTION: Our coaches are good listeners. We are here for you to help you through these worrying times. Don’t be a statistic! By using your Money Detective Budget Spreadsheet and Money Detective Cashflow Roadmap, you will be able to manage these stressful times, meet your mortgage payments and be prepared for changes in the future.
 | Testimonial “Heather is probably the primary reason why I managed to keep my house when I was on a single income. Her teachings were invaluable to me and turned my financial spending, budgeting and goals around ever since. Her tips and strategies are very user friendly and practical, and allow you to mould your habits and knowledge at your own pace. Now when we spend money, it is guilt free, as it was planned and allowed for in our budget, allowing us to truly enjoy the item or experience without repercussions later on down the track.” C. Johnes, Brisbane QLD |
PROBLEM: Young adults clinging to nest longer
“Just when you thought it was safe to clear out the kids' bedrooms, fresh data shows young adults are staying at home longer than ever. Almost one in four people aged between 20 and 34 were living in their family residence in 2006, Australian Bureau of Statistics figures reveal. But parents should not breathe too easy once their children move out because there is a high chance they will be back before their mid-30s. More than 45 per cent of people who leave home for the first time return for an average length of between one and two years and 70 per cent will be back within three years of moving out.” REPORTED COURIER MAIL 30.6.09
SOLUTION: You are your children’s role model when it comes to money. Over the 8 weeks, your coach will show you how to get in control of your money and you can then pass these valuable lessons on to your children. If you prepare them for their world of independence, they won’t become a burden on you. Teach your children how to manage their money at an early age!
 | Testimonial “Once again, we were challenged, told off, congratulated and bolstered. Everything we needed!!! Thanks Heather.” B & D Parkin, Ipswich QLD |
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PROBLEM: Stop money from ruining your love life
“Money apparently can’t buy you love, but it can certainly lead to a bust up, with experts saying financial pressures are among the biggest stresses on relationships. Both individuals and couples need to be strategic in their thinking around budgets, says Kay Swanton CEO Lifeworks Relationship Counselling. Disposable incomes are shrinking and we are seeing a massive tightening of belts which impacts on couples, she said. It’s a good idea to suss out your partner’s attitude to money before you get too serious, suggests Relationships Australia Vice President and New South Wales Chief Executive Anne Holland. Ms Swanton agrees it's important to align your financial goals early on, or to at least acknowledge where your goals don’t meet.Some couples simply don’t have the same spending habits and actively thinking about the financial future together is something we would greatly encourage in all circumstances. Couples need to know it is ok to talk about budgets sooner rather than later,” said Ms Swanton. REPORTED THE AUSTRALIAN 5.9.08 BY LANAI VASEK
SOLUTION: Your coach is there for you and will help you and your partner talk openly about money and your goals. We will help you complete your Money Detective Budget Spreadsheet together. We understand how important it is for you to communicate about money and that often the best time to do this is with a coach rather than trying to do it yourselves and ending up arguing. By working together on your goals, you will build a stronger relationship and a secure future for yourselves.
 | Testimonial “You are a wonderful listener. I did feel embarrassed giving so much information out - life should not be so complicated but there are phases that just get like that. I appreciate your support.” J Brien, Brisbane QLD |
PROBLEM: Betting booms in hard times
"If there are widespread redundancies and people end up with a lot of cash in their pockets, that can be an issue for someone with a problem," Monash University researcher Charles Livingstone said. "Some people with a bundle of cash and under a lot of stress will find gambling difficult to resist."Despite the financial gloom and the end of early-morning opening for electronic gaming rooms, the total pokies splurge for January and February was $283 million – $3 million more than the same period last year.” REPORTED COURIER MAIL 12.4.09 BY DARYL PASSMORE
SOLUTION: With good advice and planning you will not become one of the above statistics. Your coach will help you set financial goals and your Money Detective Cashflow Roadmap will show you how to structure your finances to help you overcome these difficult times. With a renewed confidence around money, you will be able to resist any temptation.
| | Testimonial “You are an amazing person, in all respects, and we feel very grateful that you are a part of our lives. We have never had this positive outlook about the future, and it is a wonderful feeling to have. Our level of security has just sky-rocketed since you have given us the tools to be in control of our lives.” J & K Peel, Ipswich QLD |
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PROBLEM: How you handle your money affects your children
“The number of teenagers seeking help for stress and anxiety has soared in the past 12 months - with family problems caused by the economic downturn often the reason, counsellors say. Most of the callers were older teenagers aged between 16 and 18 and about to leave school. From September last year to April, the counselling service Kids Helpline recorded a 16 per cent increase Australia-wide in the number of calls compared to the same period in the previous 12 months. In Queensland, the spike was a 21.4 per cent increase, with 767 out of the 3589 callers logged displaying stress linked to personal or family economic factors.Many said they were unsure whether to try to find work or study at university or TAFE, and were disturbed by the sudden economic pressures on their parents, counsellors said.” REPORTED COURIER MAIL 14.6.09 BY PAUL WESTON
SOLUTION: Our "Getting In Control Of Your Money" Coaching Programme is designed to remove your stresses around money by showing you simple solutions of how to better handle your income and expenses. Children living in a stress free environment will be able to cope and manage their own issues easier. Talking to your children about money and showing them you can manage in these tough economic times will help them have a positive outlook on their own life.
| | Testimonial “Heather shows genuine interest in our financial matters and provides constructive advice as to how we can improve our situation. We usually feel much more at ease and confident after meeting with Heather to discuss any financial issues that have arisen.” T & L Holton, Brisbane QLD |
PROBLEM: Rushing to retirement in a rudderless ship
“Crashing equity markets and falling super-fund returns have upset a wide swath of pre-retirees, in an outcome confirmed by a new survey by Suncorp Wealth Management. More than 1800 people were asked about their attitudes to super and their level of concern about having enough money to retire, with results that were no doubt widely expected.Among the surveys key findings were:
· Thirty-seven per cent haven't thought about how they will fund their retirement
· Thirty-three per cent say they won't have enough to retire on but don't know what to do about it
· Twenty-three per cent have no idea what their super balance is.” REPORTED THE AUSTRALIAN 1.7.09 BY TIM BLUE
SOLUTION: You are never too old to start budgeting and saving. Your coach will work with you and get you thinking about the future and what is important to you. Using your Money Detective Budget Spreadsheet and Cashflow Roadmap you will be one step ahead of your bills and prepared for the future. You might find you can retire sooner than you think. A budget helps you find money you never knew you had.
| | Testimonial “I drove home after my initial appt with you feeling highly motivated and excited about commencing some restructuring. I could not wait to tell you and thank you for your time on Monday afternoon. You inspired me and also gave me confidence.” S. Savage, Stanthorpe QLD |
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Your Coach : Detective Heather Wood
Heather is successful with her own money:
- As a teenager saved a 52% deposit to purchase her first property at age 19 whilst earning a minimal banking wage
- Paid off her home mortgage in less than 5 years
- Paid cash for her wedding and honeymoon
- Has travelled extensively overseas debt free
- Currently has a varied investment portfolio across property and shares
Heather’s experience:
- Has used a budget effectively since the age of 16 allowing her to have fun and enjoy her pursuits such as rock climbing, dancing, bushwalking, yoga, travelling and caring for animals and the environment, whilst still saving and building up an investment portfolio
- Over 20 years working in the financial services industry, including senior management roles such as Divisional Manager of Training and General Manager.
- Over 6 years working as a qualified financial wealth coach helping people overcome all sorts of money matters
- Diploma of Financial Planning – Deakin University
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Testimonial from Heather’s Previous Managing Director It is with great pleasure and honour that I write this testimonial for Heather Wood. Heather worked within my organisation for 5.5 years as a Senior Wealth Coach, a role that involved coaching and mentoring people on how to successfully manage their money and reveal investment opportunities to clients.
Heather's personal money and investment experiences as well as her formal qualifications enabled her to provide quality guidance to clients about successful money management and investing practices. This high level of financial knowledge is complimented by Heather's ability to relate well to people and motivate them to change any destructive financial habits they may have, guide them on a path to change and open their eyes to new opportunities.
Under Heather’s coaching I have seen a couple come from the depths of money despair (who couldn't afford to meet their current financial obligations, let alone consider starting a family that they desired) move forward; put in place a successful budget, get in control of their money and who are now living comfortably with 3 beautiful children. Their lives are dramatically changed through Heather's coaching.
Under Heather's coaching I have seen a divorcee at the brink of financial disaster, having lost half his assets to his ex-wife take stock and rebuild his position. Without Heather he may have lost what remaining assets he had. Heather has an amazing ability to help people deal with issues that are sabotaging their financial success. She has helped families up to their eyeballs in debt put in place a successful debt reduction strategy and get in control of their finances. She has helped young couples implement a plan to save and purchase their first home. She has helped couples approaching retirement fulfil their dreams of an early retirement.
I could continue to write pages and pages of examples of lives that were transformed financially through the coaching Heather conducted within my organisation. Heather’s credibility and exceptional talent as a money coach is evident through her client’s successes.
Heather was an invaluable member of my team and I am pleased that Heather is continuing to use her skills and experiences to help more people with their finances. I strongly believe anyone who wants to change their current financial position and has the opportunity to be coached by Heather would not be disappointed. I wish Heather and Money Detective all the very best!
Ben Healy, Managing Director, Wealthyfrog Pty Ltd
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| | Testimonial “The most valuable thing I received from being coached by Heather is the fantastically helpful way she has built my financial confidence . . . to the point where I am on the verge of buying a house. And 6 months ago the prospect was incredibly distant! To a large extent this is due to the advice and support I received from Heather.” H Wilson Brighton UK |
"Getting In Control Of Your Money" Coaching Programme
Week 1 - Getting in control of your money
Benefits to You:
- You will conquer your fear of budgeting
- You will find out how simple managing money can be
Week 2 - Money for different reasons
Benefits to You:
- You will stop the leakage
- You will know where your money goes
Week 3 -Your money to spend each week
Benefits to You:
- You can spend without feeling guilty
- Your living expenses will be covered
Week 4 - Being one step ahead of your bills
Benefits to You:
- You no longer need to stress about your bills
- You will have money set aside to pay your bills
Week 5 - Your money for fun
Benefits to You:
- You will have money for treats
- You can splurge without feeling guilty
Week 6 - Succeeding with savings
Benefits to You:
- You can build money for your dreams
- You will be prepared for the future
Week 7 - Getting in control of your debts
Benefits to You:
- You will get your debts coming down sooner
- You can get off the debt spiral
Week 8 - Fitting it all together
Benefits to You:
- You will find yourself on the road to success
- You will now be in control of your money
| | Testimonial “Heather is a very patient coach. I felt she had genuine empathy and was flexible in her session structure in regards to my specific needs. She was prepared to allow the session to meet my personal experiences and situation. Heather is a coach in the real sense of the word. I felt very comfortable talking with her and felt that she really cared about my needs and future. I am looking forward to continuing the coaching with her.” D Hughes, Perth. |
Value For Money
As part of the "Getting In Control Of Your Money" Coaching Programme you will receive all of the following:
Personal One on One Coaching: 30 minute of Telephone Coaching for 8 weeks (Value $528.00)
Software: Money Detective Budget Spreadsheet and Cashflow Roadmap (Value $110.00)
Other: Presentation Notes and Materials (Value $33.00)
TOTAL VALUE $671.00
***Sign up today and receive this for only $583.00***
A massive saving for you of $88.00
Plus for a limited time Receive a Free Money & Goals Spreadsheet - Valued at $15.00
TOTAL VALUE NOW $686.00
*** Sign up today and receive this for only $583.00***
Total savings to you now $103.00
Over 15% discount off our standard prices
Reap This Special Offer: Sign Up Now
| | Testimonial “Heather is fantastic at her job. I never want to leave from the sessions as it is always so inspiring and it gives me confidence to make the difficult decisions that I procrastinate about. She offers great solutions and different scenarios to any concerns that I have. I can’t speak highly enough of her.” C. McMahon, Brisbane. |
PROBLEM: Does your money run away?
What is it that stops us from saving money? Why is it hard to keep a savings habit going? Why does money leak from the savings account? Why do we never have any money left over to save? Why do we earn a good income but have nothing to show for it at the end of the year? Do you know where your money goes?
SOLUTION: We help individuals and couples who are tired of repeating the same money patterns, get the results they have always wanted, to generate the wealth they deserve!
| | Testimonial “I thought you might like to know that I was totally amazed tonight when I sat down to do my banking/bill paying and expenditure planning for the next 2-4 weeks, and realised that I will have money IN THE ACCOUNTS to PAY ALL MY BILLS on time and NOT HAVE TO USE THE CREDIT CARD to pick up any shortfall!!!! This is the first time we have ever had money left over and I’ve got a buffer growing so that I can see that pretty soon I won’t have to stress over what to pay and how to pay it. It’s just blowing me away, and I can hardly believe it’s true!! And another small thing that might sound a bit silly, but tonight on my way home I noticed that the petrol price was down at the local servo, and I was able to take advantage of this and fill up because I had money in my ‘Living’ account to do it with!! Usually I just have to take what I can get because I haven’t had anything left over from week to week. These might sound like small things, but I can tell you they are very significant to me.” M Braithwaite, Brisbane QLD |
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If you don’t change today, where will you be tomorrow?
Imagine your life after finishing this Coaching Programme
Your Money Under Control Reduced Money Stresses On Top Of Your Debts Increased Confidence with Budgeting
Moving Forward Financially Not Trapped Under Your Mortgage
Squashed Credit Card Debts Money To Pay Your Bills
The long term benefits of undertaking this coaching programme far outweigh the small costs
*** Special Offer Sign up today for only $583.00***
Total savings $103.00
Over 15% discount off our standard prices
Don’t Miss This Limited Opportunity: Sign Up Now