Stop Guessing. Start Getting Ahead With Your Money — Guaranteed.
My Money Makeover is the calm, judgement-free money system thousands of Australian women are using to take control of their cashflow, pay down debt, and start building real wealth. If you don’t save more than the cost of the course, you get every cent back.
Watch Jen explain it
Start Your Money Makeover Today
Lifetime course access · 12 weeks live support · 100% money-back guarantee
Real-life results
Guided by Jen, not an app
Sound Like You?
You earn decent money. You’re not reckless with it. But somehow nothing changes — and you’re tired of feeling like that’s your fault.
You earn decent money but still feel like nothing changes month to month.
You avoid checking your accounts because it triggers stress.
You’ve tried budgets and apps, but real life keeps blowing them up.
You feel guilty spending, even when you can actually afford it.
You want a plan that lets you live now and build security for later.
You know you need a system, not more motivation, not more guilt.
If you nodded at even two of these, you’re in the right place.
What Changes in 12 Weeks
Not magic. Not restriction. Just calm structure that finally fits your real life.
Clarity in Under an Hour
You’ll know exactly where your money is going — and where it’s quietly leaking — without the spreadsheet shame spiral.
More Money in Your Account
The average member finds hundreds, often thousands, of dollars hiding in their existing spending. You’ll see it in your account within weeks.
Confidence That Sticks
A calm money system you can run on autopilot, so you stop second-guessing every spend and finally feel in charge again.
How We’ll Work Together
The flexibility of self-paced learning, with the structure to actually follow through.
Self-Paced Access
Move through the modules in your own time. Lifetime access means it fits around your life, not the other way around.
12-Week Container
A guided window to build momentum, finish the work, and feel the shift — not let it sit in your inbox forever.
Live Zoom Calls
Get your questions answered by Jen in real time. No bot. No script. Just clear, personal guidance.
Private Community
A supportive, judgement-free Facebook group of women going through it with you. Wins, accountability, and zero gatekeeping.
Your 7-Module Money Makeover Journey
Awareness → System → Wealth. Each module builds on the last, so you finish with a complete financial life, not a folder of disconnected lessons.
Mindset and Beliefs
Unpack the money stories you inherited so they stop running the show. This is where every real change starts.
Ground Zero
See exactly where you stand today — debts, savings, super, the lot — in a calm, no-shame baseline you can build from.
Goal Setting
Set goals that actually pull you forward, instead of goals that quietly stress you out and get ignored.
The Calm Money System
The core of the program. Build the simple, automated cashflow system that runs your money so you don’t have to.
Future Me
Translate today’s decisions into the future life you actually want — without the woo or the spreadsheet panic.
Superannuation
Finally understand your super, why it matters, and the small moves that can mean tens of thousands more at retirement.
Investing for Wealth
Demystify investing so you can start building real wealth — even if you’ve never bought a share or property in your life.
Go Deeper When You’re Ready
Optional bonus content for the moments you want to dig into a specific topic — only when you’re ready, never as homework.
MONEY
BACK
The “Find It in Your Spending or Get It Back” Guarantee
Here’s the deal. If you complete the core modules, do the work, and you haven’t found more than the cost of the course in your existing spending — Jen will refund you, in full. No awkward email. No quiz. No hoops.
Why this guarantee exists: The whole program is built around finding money you’re already earning but quietly losing. Members routinely find hundreds, sometimes thousands, of dollars a month in their existing spending — not by cutting joy, but by spotting the silent leaks.
The cost of My Money Makeover is the floor, not the ceiling. If we can’t help you clear that bar, you shouldn’t pay for it.
To qualify, you’ll need to have completed the core modules and the Calm Money System setup inside the 12-week container. We ask this because the maths only works if you’ve actually run it. Full T&Cs at checkout.
Everything You Get When You Enrol
Built so the value is obvious before you ever click checkout.
7-Module Core Course
The complete Awareness → System → Wealth journey. Lifetime access.
$997
12-Week Live Support Container
Weekly live Zoom calls with Jen for questions, accountability, and real-time guidance.
$1,200
Private Community Access
Supportive, moderated Facebook group of women going through the makeover with you.
$300
The Calm Money System Toolkit
Templates, worksheets, and the cashflow setup that members say is worth the entire price on its own.
$197
Bonus Deep-Dive Modules
Optional advanced content for when you’re ready to go further. Yours forever.
$297
100% Money-Back Guarantee
If you don’t save more than you paid, Jen refunds you. The risk is hers, not yours.
Priceless
Or split pay: 4 x A$265.00 at checkout · AUD
Secure checkout · Backed by the 100% money-back guarantee
Meet Your Coach
Jen Richardson — The Coach Who’s Actually Done the Work
Jen is a former financial planner, accountant, and business coach — and the founder of jenrichardson.co. She takes a common-sense, no-BS approach to money management and has coached hundreds of women to real financial confidence.
She built My Money Makeover because she watched too many smart, capable women pay financial planners thousands for advice they couldn’t actually use in their real lives. This is the program she wishes she’d had.
“You don’t need more discipline. You need a system that fits your life. That’s what this program gives you — and I’ll personally guide you through every step.”
Fmr Financial Planner
Business Coach
Hundreds Coached
This Is What “Calm and Confident With Money” Actually Looks Like
I started this program about 10 weeks ago. I realised I was overspending, especially on food. With a family of five, our weekly grocery bill was around $500. Jen’s program helped me identify areas where we were wasting money, and now I’ve cut that down to $280–$320 a week.
The extra money is going into my “OMG” account for unexpected expenses. I’ve already saved close to $2,500. Even without major lifestyle changes, making small tweaks has made a huge difference to our budget.
Got Money Honey is an empowering tool for all women who want to reach financial freedom with ease and confidence.
I’m currently still working my way through your course and am loving every moment of it. The things I’m learning about myself (mindset around money) have not only been home-hitting but a wake-up call. Thank you for designing an awesome program.
Your Questions, Answered
If you complete the core modules and the Calm Money System setup inside the 12-week container, and you haven’t saved more than the cost of the course, Jen will refund you in full. No tricky hoops, no awkward conversation. The maths of the program is built around finding the cost back in your existing spending — if it doesn’t, you shouldn’t pay for it.
If you’re an Australian woman who wants clarity, control, and a calm money system you can actually maintain — yes. It doesn’t matter whether you’re just starting out, mid-career with kids and a mortgage, or staring at retirement and wishing you’d done this 20 years ago. The program meets you where you are.
Budgets and apps fail because they ask you to fight your real life. The Calm Money System is built to run on autopilot around the way you actually live — not the way a finance bro thinks you should live. And you’re not doing it alone: Jen and the community are with you live for 12 weeks while it becomes habit.
Plan on 1–2 hours a week through the 12-week container. The content is broken into short, watchable lessons designed for women who have full lives — kids, work, partners, parents. The Calm Money System itself takes minutes a week to run once it’s set up.
You get lifetime access to the self-paced course and bonus modules. The live Zoom calls and active community sit inside the 12-week support container, which is designed to keep you in momentum while you build your system.
No — My Money Makeover is financial education, not personal financial advice.
Everything in the program is general in nature and doesn’t take your personal situation into account. Before making big financial decisions, consider whether the information is appropriate for you and seek personal advice from a licensed financial adviser.
Three ways: the weekly live Zoom calls with Jen, the private Facebook community of women doing it with you, and direct email support during the 12-week container. You will not be left wondering what to do next.
Twelve weeks from now, your money will either feel the same — or completely different. Your call.
You’ve already done the hard part: deciding you’re done guessing. Let’s give you the system, the support, and the safety net to actually finish it.
Backed by the “find it in your spending or get it back” guarantee
Not ready yet? Start with the free Debt Masterclass instead →