I'm Monica, Your Compassionate Guide to Financial Wellbeing

Are you tired of feeling overwhelmed by financial stress? Get in touch.

Greetings, fellow travellers on the path to financial clarity. I'm Monica, and my mission is to illuminate your financial journey with a blend of seasoned expertise and heartfelt guidance. My story began over two decades ago in the bustling financial hubs of London and Bucharest, where numbers told stories and balance sheets held dreams. Today, I marry this expertise with the transformative power of mindfulness, offering a sanctuary for those seeking not just wealth, but wellbeing.

My Story:

Just like you, I once struggled with financial anxiety. But through mindful coaching, I transformed my life.

I'm a dreamer, a widow, an entrepreneur, a money coach, an accountant and a self-proclaimed perfectionist. But behind all that I’m just like you. Really, I'm not much different from anyone else, just another person trying to make sense of it all. My journey's taught me that understanding money goes beyond the numbers; it's about finding a harmony within ourselves.

I'm a single mum to a spirited teenage daughter, Arrow, and two cats (Tubbo and Biggie) who seem to think they rule the roost. Do they have the upper hand? Quite possibly. But does it bother me? Not in the slightest. My life's anything but boring, filled with stories waiting to be told.

I'm an introvert, but that doesn't stop me from seeking adventure. I love travelling in serene, undiscovered nooks of the world, and the thrill of a motorbike ride, feeling the wind on my face and unshackled from the constraints of the mundane.

My Money Mindfulness Journey:

Growing up, I had a mother who demanded nothing short of perfection from me. Her critical nature and strict discipline, often administered with a belt until I turned 17, left me feeling closed off and ashamed of expressing myself, unable to assert my opinions, define my worth, or find fulfilment within myself. I grew up with the belief that I have to work hard to make money and that I can never have enough money to cope with adversities of life.

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As a coach, I later learned that this is a scarcity money archetype that was instilled in me by my childhood circumstances, living in a communist country where everyone was watching out for themselves. 

My family had enough for me to never feel anything but wealthy for those times, and yet I watched my mum always worrying it might not be enough. Money was a source of anxiety and almost never discussed (like a well-guarded secret) so, I never truly understood how to manage money or my emotions in relation to money. 

Throughout the years I witnessed my parents' constant arguments about money, with my father's spending habits often causing tension. The question "where are the money?" echoed throughout my childhood, instilling a deep-seated fear of scarcity within me. This fear manifested in my adulthood through avoidance of financial responsibilities, overspending to cope with stress and even financial self-sabotage.

Despite having a good education, with a bachelor’s degree in business management in my pocket and a well-paid successful accountant career, I still lacked an understanding of how my beliefs influenced my financial decisions. As good as I was managing the company's accounts, it didn't  really help me understand my relationship with money, how my beliefs shaped my attitude or my spending habits. 

Even relocating to the UK with my husband and baby daughter didn't change my financial situation. Because I had no plans, no budgeting strategy, no real goals and the same beliefs.

I only had one thought: I NEEDED TO MAKE MORE MONEY!

The tragedy of losing my husband to a traffic accident made things even worse because now not only was I a single parent, but I had to shoulder all financial responsibilities ALONE. I felt lost for many years after, working day in and day out, earning, saving and spending, unfulfilled and anxious about money, just as my mum was back when I was a child.

Life went full circle and I had an epiphany: I HAD TO CHANGE SOMETHING! 

Being a single mother was a turning point. I was determined not to pass on the emotional baggage I had inherited.

This is when my transformational journey began. I started searching for ways to understand the meaning of my life, my purpose, and I found a wonderful coach that helped me find myself. Every session was like a treasure chest filled with riches, uncovering hidden depths within me – strengths I didn't know I had, dreams I hadn't dared to acknowledge, and potential waiting to be unleashed. 

Understanding myself became my mission. I've delved deep into the recesses of my own psyche, identifying the triggers that sway my emotions and decisions, particularly when it comes to finances. Recognising my core values has been pivotal; it's as if I've uncovered a compass that now guides every financial choice I make, ensuring my money mindset isn't just a strategy but a reflection of who I am at my core.

But my journey didn't end there. I pursued further education and became certified as a transformational coach. Avid of knowing more and more, I encountered the DeMartini Method and the Universal Laws—a groundbreaking approach to personal transformation.

Now, as a DeMartini Method facilitator, I now help others clear financial traumas and overcome limiting beliefs, empowering them to create a life of abundance and fulfilment. My story is a testament to the power of transformation, financial liberation and personal growth.

Over the past decade, I've built my own accounting practice and coaching business from the ground up, I freed myself from debts and credit cards and even began investing. And all that because the real transformation happened within. By shifting my mindset and challenging limiting beliefs, I unlocked new perspectives on life events. This journey of financial empowerment has been as much about inner growth as it has been about external success.

Now, I'm on a mission to help others find financial enlightenment. I've experienced firsthand the peace and clarity that comes from aligning values with financial choices, and I'm passionate about guiding others to discover the same. It's about more than just money—it's about creating a life that thrives on authenticity and mindful choices.

PS: Reflecting on my past, I've found gratitude for my mother's critical nature and her harsh methods. As I pondered the question, "What were the benefits of my mother's criticism?" I began to rewrite my story, transforming victimhood into strength. I wouldn't be who I am today without her influence, and for that, I'm grateful. It's empowered me to stand tall and proud of the woman I've become.

My Philosophy

My Mission

My Belief

Believe that each financial decision you take can be a stepping stone to a life of fulfilment. It's not just about growing wealth; it's about enriching your life.

To empower YOU, regardless of your financial status, to take control of your money and reshape their your life. I'm here for the hardworking, the dreamers, the hustlers and the penny-pinchers.

I believe in the power of mindfulness to reshape your financial reality – my vision goes beyond spreadsheets and budgets; every one of you has the potential to transform your relationship with money.

My clients are my ambassadors

Through Monica's coaching, I discovered financial freedom isn't just about wealth, it's about aligning my values with my wallet.

Christian Stephens

Consultant at Excaliburhub Ltd.

First step is all it takes to transform your finances.

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Why choose me

Certified Expertise

As a Certified Transformational Coach and Demartini Method Facilitator, I bring validated methods, strategies and advice that are not just inspiring but also practical and actionable.

Personal Experience

My journey of self-discovery and financial alignment informs my empathetic, understanding approach. I focus on empowering you to take control of your finances and your life.

Bespoke Strategies

Understanding that one size doesn't fit all, I tailor my guidance to align with your unique values and goals, with genuine empathy and a judgement-free space for you to explore your financial potential.