Money Reset Program
A structured 6-month journey to rebuild your finances — with real steps, real tools, and real support.
This is for people who are serious about changing their money situation.
Structured Path
Month-by-month clarity. You know what to focus on and when.
Real Habits
Not quick fixes. Habits that stick because they're built on your actual life.
Expert Backing
Debt counsellor-designed. Based on what actually works for over-indebted people.
Measurable Progress
Track your wins. See debt shrink, savings grow, stress decrease.
Your 6-Month Journey
Each month has a clear focus. You'll build skills that compound over time.
Complete your Money Map. See your full financial picture — income, expenses, debts. No judgment, just facts.
Your Focus
- ✓Complete Money Map assessment
- ✓Identify spending patterns and leaks
- ✓List all debts with amounts owed
- ✓Calculate your monthly cash flow
Tools & Resources
- 📋Money Map
- 📋Debt listing worksheet
Build a budget that actually works. Not a restriction — a roadmap that shows where your money goes.
Your Focus
- ✓Create a monthly budget based on your actuals
- ✓Identify non-negotiables vs flexibility
- ✓Find quick wins (subscriptions, leaks)
- ✓Set your first micro-savings target
Tools & Resources
- 📋Budget template
- 📋Spending tracker
Understand your debt and choose a strategy. Whether it's snowball, avalanche, or negotiation — know your path.
Your Focus
- ✓Choose your debt repayment method
- ✓Prioritise which debts to attack first
- ✓Understand your credit report
- ✓Know your options (consolidation, review, etc.)
Tools & Resources
- 📋Debt strategy guide
- 📋Credit report review checklist
Small changes compound. Build 1-2 money habits that actually work for your life.
Your Focus
- ✓Implement a weekly money check-in (10 mins)
- ✓Set up automatic transfers to savings
- ✓Cancel unused subscriptions
- ✓Create a trigger replacement for impulse spending
Tools & Resources
- 📋Habit tracker
- 📋Replacement activities list
Build your first emergency fund (R1,000–R3,000). It stops emergencies becoming more debt.
Your Focus
- ✓Save your first R1,000
- ✓Know where to draw from in real emergencies
- ✓Build to 1–2 months of essentials
- ✓Protect your buffer from temptation
Tools & Resources
- 📋Savings goal tracker
- 📋Emergency plan worksheet
You've built momentum. The reset isn't over — it's now your system. Know what's next.
Your Focus
- ✓Review your 6-month progress
- ✓Adjust habits that aren't working
- ✓Set your next 6-month goal
- ✓Know when to get professional help
Tools & Resources
- 📋6-month reflection guide
- 📋Next steps roadmap
Why This Reset Works
It's Progressive
You don't tackle everything at once. Month 1 is assessment, Month 2 is planning, Month 3 is strategy. You build on each win.
It's Real
No shame. No quick-fix nonsense. This is what actually works for people who are over-indebted.
It's Specific
Not 'save more money' — it's 'save R20 this week by cancelling this subscription.' Concrete steps.
It's Supported
You get worksheets, tools, and expert guidance. At any point, you can WhatsApp for help.
Common Questions
The program is free. We provide all worksheets, guides, and resources. You're paying attention and effort — that's the real investment.
No. This program works whether you're managing on your own, in debt review, or considering it. It's your foundation.
Perfect. Start where you are. If you've already done the Money Map, start with Month 2. Use what works for your situation.
Absolutely. In fact, it's more powerful together. Many couples find that working through this together improves both finances and communication.
You won't be perfect. Nobody is. The program is about building momentum, not perfection. If you miss a month, you just pick it back up.
You'll track metrics in Month 6. But you'll notice earlier: smaller stress, clearer picture, specific actions instead of worry.
Ready to Reset?
Start with Month 1: Complete your Money Map and get honest about where you stand.
Free program. No strings. Just a structured way to rebuild your finances.