BalanceAndFreedom is committed to protecting your privacy. Your name, email and any financial information shared during coaching is used solely to provide our service and is never sold or shared with any third party.
Confidentiality: All financial information shared during coaching is treated with complete discretion at all times.
Your rights: You may request to view, update or delete your personal data at any time by contacting us directly.
Terms of Service
Last updated: May 2026
Service: BalanceAndFreedom provides personal budgeting and money management coaching only. We do not provide investment, legal or tax advice.
Payment: All payments are processed securely. Monthly plans can be cancelled at any time. One-off services are non-refundable once delivered.
Responsibility: All coaching advice is optional. The client takes full responsibility for any financial decisions made. BalanceAndFreedom accepts no liability for outcomes resulting from advice provided.
Full Disclaimer
Last updated: May 2026
The information and coaching provided on BalanceAndFreedom is for educational and informational purposes only. It does not constitute professional financial, investment or legal advice.
The coach is a qualified accountant — not a registered investment advisor. All advice is optional. Always consult a qualified financial advisor before making any investment decisions.
BalanceAndFreedom accepts no liability for financial decisions made based on the information or coaching provided. Results may vary.
I'm a qualified accountant with 10+ years of financial industry experience — and someone who has personally lived through financial stress. I built BalanceAndFreedom because I believe everyone deserves real, honest guidance to achieve a balanced, comfortable life. No judgement. No extreme rules. Just genuine care for your wellbeing.
I believe everyone — regardless of income — deserves a comfortable, balanced life where money works for them, not against them.
No extreme frugality. You should still enjoy your life while managing your money.
No guilt. I meet you exactly where you are — no judgement, ever.
No cookie-cutter rules. I want you to think about money, not just follow a rulebook.
Quality of life first. A plan that makes you miserable is not a good plan.
Equal service for all. Wealthy or struggling — everyone gets the same dedication.
What Changes After Coaching
1
Know where every euro goes
Full clarity on your income, spending and savings every month.
2
Sleep better, stress less
A plan that works — and the confidence to follow it.
3
Save without sacrificing
Balance saving and living — without guilt.
4
A clear 12-month roadmap
Personal goals and a path built around your real life.
My Approach
How I Work
Before anything else, I want to truly understand you. You share your full financial picture with me — your income, your expenses, your debts, your savings — and I listen carefully. Not just to the numbers, but to the stress behind them, the problems you have faced, and what you really want your life to look like. Everything you share is completely confidential. Always.
From there I build a personalised plan tailored specifically to your life — not a generic template, not a rulebook. We review it together, adjust it until it feels right for you, and from that point I am with you every step of the way. My deepest goal is not to give you rules to follow. It is to help you think differently about money — so that one day you simply know what to do, without needing anyone to tell you.
Coaching Packages
Choose Your Path to Balance & Freedom
All prices in EUR — USD accepted at the bank's daily exchange rate. First consultation always free — no obligation.
* Budgeting & money management only. No investment advice.
Not sure which package? Message me free — no commitment, no pressure.
🔒 Secure payment via Stripe · Monthly plans cancelled anytime · No hidden fees
Common Questions
Frequently Asked Questions
How do I get started? +
Send me a message through the contact form. The first consultation is a free chat — no payment, no commitment. We'll discuss your situation and I'll suggest the best package.
Is my financial information confidential? +
Absolutely. Everything you share is 100% confidential. Your information is never shared with anyone — ever.
What currencies do you accept? +
All prices are in EUR. I also accept USD at the bank's daily exchange rate. Payment via Stripe.
Can we work across different timezones? +
Yes — I work with clients worldwide. Zoom calls are scheduled at a time that works for both of us, regardless of timezone.
Do you provide investment advice? +
No. BalanceAndFreedom focuses exclusively on personal budgeting, money management, debt reduction and savings coaching. I am a qualified accountant — not a registered investment advisor.
Client Reviews
Honest From Day One
BalanceAndFreedom is newly launched — and I'm proud of it. You won't find fake reviews here.
Be among my first clients. Share your experience with the services provided and help others find their balance and freedom. 💙💛
