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Wonder where your money goes each month?
Feel like you are bad with money?
Feel like you are spending more than necessary these days?
Saving for something big like a mortgage and want more help?
Want to get saving but don't know how?
Hate not being in control of your money?
Worry about the future?
Want a better balance with money and life?


Does any of this sound familiar?


Life is busy, and it can be hard to keep track of everything. Following complicated systems, charts and graphs are never going to work. You need something simple and repeatable. 


In 2019, after walking away from my 16-year career and cutting our household income in half. I had to get our spending under control if we would survive. 


That was when I embarked on the No Spend Year™, where we cut our outgoings by over €27k and had the best year of our lives. It was the year that changed everything for the better. 


One of the biggest levers that year was harnessing the power of No Spend Days. This one habit alone saved us thousands that year and every year since. 


There are easy and eliminate the feeling of frugality and deprivation that often comes with saving money. 


The No Spend Habit is designed to curb the spending that doesn't matter and channel your hard-earned money to things that do matter. 


The carefully designed No Spend Habit Course transforms how you think about money and puts you back in the driver's seat. It offers a spend-curbing, money-saving approach from a healthy standpoint that is easy and repeatable for the long term. 

What if

finding and keeping your money was EASY? 
you could feel empowered by the process too? 

You are not alone

I've been there. Money comes in only to fly back out the door again. You think, 'Surely, there has to be enough to get me through the month'. But yet, time after time, the account is emptier than it should be, and there seems to be no stopping it. 

It is frustrating and baffling all at the same time. 

Worse still, it is all too common. 

It is time to change that. End the feast or famine money cycle. 

What you get with the No Spend Habit Course

  • No Spend Habit Course, packed with lesson after lesson on all aspects of the No Spend Habit. What it is, how to do it, how to develop a healthy No Spend MIndset, avoid spending triggers and step-by-step guides on how to create easy, doable challenges to suit your life. 

  • 10 Life-Affirming, No Spend Habit Quotes screen savers for your phone to keep you on track. 

  • Choose from a range of No Spend Trackers, and find the one that suits your personality best!

  • Printouts, lesson sheets and all the support materials and tools you need to get started. 

  • 30 Days supportive emails to keep you on track as you start your No Spend journey. Each motivating with a kick-in-the-pants quote and encouragement to keep you on track. 

  • Lifetime Access!


For a limited time only get the Master Your Money Even When Prices Are Rising Master class FREE!

The Course

Step by Step lessons with tools, print outs and work sheets. 

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NSHC Notes Putting No Spend Into practice Lesson 1 Becoming a Money Expert Lesson
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Affirmation Screensavers 

10 Every Day Affirmations to save to your mobile phone or device to inspire 

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Changing the habits of a lifetime can be challenging. 

So I have formulated 30 days of email to help keep you on track as you start your No Spend Journey. 

Each day a new motivational quote and support message will land in your inbox, empowering you every step of the way!

30 No Spend Day Habit Dailies 

Prices are rising, but your income isn't rising to match it. 

Can you feel the pinch?

This is my most popular masterclass, in it, we will tackle how you can get the most out of your money even when prices are spiralling and put you back in the driver's seat of your money. 

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Free Master your Money Masterclass!

Money Back Guarantee

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We know you’ll love this No Spend Habit Course as much as we do. In fact, if for any reason, after completing the course, lessons & worksheets, you’re not feeling more in control of your money, just email us within 30 days, and we’ll issue a full refund.

Sign me up!

about me

Hi, I'm Kel 

I’m a Money Coach, well really I'm a scientist who found a love of finances and financial freedom. I have dedicated my life to helping others harness their income and become the wealthy people they deserve to be.

This mission has manifested into the Smart Money Formula a proven method to get ahead with money and enjoy the journey. Isn't that what life is about?


I teach you how to build long-term wealth and the confidence that comes with it. I do this through creating a healthy relationship with money, combined with the system and habits to keep everything on track.


I brought our family from 6 figures of crushing debt to financial security, embraced the No Spend Year

and we are now rocketing to financial freedom and loving every minute of it. I want to help you do the same.


As a qualified financial advisor, MSc and author of the sellout book, Mindful Money, more money more freedom more happiness, you are in good hands.


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