The Quintessential Program for Building a Budget, Getting Out of Debt and Living Your Dream Life
Want to take control of your money, crush your debts, and create lasting change
Without giving up the life you love?
But it doesn't have to be
From: the Desk of Jo Baker, Queen of Choice
You’ve probably been told all your life that to achieve true financial freedom, you need to budget like a pro, cut back on every little luxury, and somehow just figure it all out on your own.
But here’s the thing—no one tells you what happens when you’re constantly worried about:
THE FEAR OF FINANCIAL INSTABILITY — feeling like you’re one emergency away from falling apart.
NOT BEING ABLE TO SAVE — watching your future goals drift further away because your income doesn’t seem to stretch far enough.
FEELING STUCK — wondering if you’ll ever be able to break free from the cycle of debt or just get ahead.
Or THAT NAGGING GUILT when you splurge on something small because you feel like you “should” be saving more.
Plus, the STRESS OF MAKING FINANCIAL DECISIONS that just seem too overwhelming, because you’ve never been taught the skills to confidently handle your money.
And if you’re anything like me when I was a Hot Money Mess... I spent so much time feeling FRUSTRATED because it's all so overwhelming, GUILTY every time I treated myself to something special and EXHAUSTED from trying so hard, only to feel like I was getting nowhere.
You don’t have to keep struggling with financial frustration, guilt, or exhaustion.
Imagine starting every day ...
with complete peace of mind, knowing you’ve got a clear plan to handle your finances, and that no matter what life throws your way, you’re ready to handle it.
Imagine feeling confident ...
every time you open your bank account because you’ve learnt the tools to manage your money with ease, and you know that your future is secure.
Imagine having the freedom ...
to make choices. Whether that’s taking a vacation you’ve dreamed of, investing in your personal growth, or having the ability to say yes to the things that truly matter to you.
You’ve tried to take control of your finances before,
but every time you try, it feels like you hit a wall.
Maybe you’ve spent years stressing over bills, feeling that sinking weight in your chest every time a bill comes due, wondering if this will be the month things finally spiral out of control.
Maybe it’s the constant worry about not being able to save for the future, or feeling like you’ll never be able to take a proper holiday, or achieve those big dreams you’ve been holding onto for so long.
I know it’s hard, and I know it feels overwhelming.
You might have tried everything—reading books, watching videos, even attending workshops—and yet, you still feel like you’re stuck in the same place.
Maybe you’ve even started to think:
What’s wrong with me? Why can’t I get it together like other women seem to?
And if you’ve been avoiding your finances, hoping the problems will magically go away, I get it. It’s exhausting. The constant cycle of guilt and shame, the fear of not being good enough with money, or not being able to achieve your financial goals—it wears you down. It’s so easy to feel like you’re the only one struggling with it.
But you’re not.
You’re not alone. And you don’t have to keep carrying this alone anymore.
For over 18 years, I’ve been helping women just like you start living their dream lives. My approach is different from the typical advice you’ve heard before. It’s not about quick fixes or generic solutions. It’s about supporting you and empowering you to create a deep, lasting change in your life.
How do I do it?
I focus on your relationship with money, so you can stop feeling stuck and overwhelmed and start feeling in control and confident in your journey.
I don’t just focus on numbers, budgets, or debt reduction (although those things are important, too). I focus on your relationship with money – the beliefs and habits that shape how you feel and act around your finances. This is what sets my approach apart from the other experts out there. I know that it’s not just about knowing how to manage money; it’s about understanding the emotional and mental blocks that hold you back from taking full control of your financial future.
We live in a world where money is a constant force in our lives. It dictates choices, shapes dreams, and affects how we feel about ourselves. The link between financial stress and mental/emotional health is undeniable. But here’s the truth:
you have the power to change this.
When you take charge of your finances – when you create a clear plan, build healthy money habits, and shift your mindset – you open up a world of possibilities. Suddenly, you’re not just surviving, you’re thriving.
The financial freedom you gain will flow into every other area of your life, bringing you peace, confidence, and the ability to live the life you truly desire.
The moment I faced the harsh reality of my finances was a turning point. I had been living in a cycle of ignorant bliss, followed by fear and stress. Avoiding bills and ignoring warning signs felt easier—until I hit my breaking point and realised the cost of avoidance.
Overwhelmed and drowning in overdue notices,
I knew things wouldn’t magically fix themselves.
I had let fear, guilt, and shame shape my money story, believing that managing finances wasn’t something a “good girl” should focus on. But avoiding the truth was risking my self-worth, relationships, and future.
Sitting at my dining table, tears streaming, I watched my children play outside, blissfully unaware of how close I was to losing everything. That was the moment I chose to stop letting fear control me.
I made a commitment to change...
Not just how I handled money, but how I valued myself.
I started taking small, consistent steps to reclaim my financial power. It wasn’t easy, but with each step, my confidence grew, my control returned, and the possibilities opened up. I discovered that financial freedom wasn’t about worthiness—it was about responsibility, abundance, and creating the life my family deserved.
Women, for way too long, have been made to feel ashamed of talking about money. Society’s whispers have created a space where discussing financial dreams or struggles feels uncomfortable.
It’s time to change!
Let’s start by breaking the myth that financial well-being is for an exclusive few. Wealth isn’t just about money—it’s about the freedom to make choices aligned with our values. When we realise this, we free ourselves from societal stigma and start a more open conversation about our financial goals.
It’s time to embrace financial authenticity.
Talking about money doesn’t make us less ‘lady-like.’ Every woman’s financial journey is unique, and when we own and share our stories, we remove the shame that surrounds money.
Money doesn't have to be a mystery.
Financial literacy isn't a secret...
It is a tool for your empowerment.
By learning about money, you become confident in making decisions that reflect your goals.
Knowledge is the key to unlocking the future you deserve...
one where you confidently talk about money and embrace your financial power.
Now is the best time to focus on your money because the conversation around women’s financial empowerment is shifting. Society is recognising that women’s financial well-being matters, and there’s more support and resources than ever to help you get started.
Financial literacy is no longer a secret
The world is acknowledging women’s economic influence. By taking charge of your finances now, you’ll be better prepared for whatever life throws at you, building resilience and confidence for the future.
The sooner you start
The more time you have to see your money grow, reduce debt, and create the freedom to live life on your terms. There’s no perfect time, so why wait? Your future self will thank you for taking charge today.
Let's make today...
the day you say, “I’m taking charge of my financial future,
and I’m doing it my way!”
85% of women manage everyday expenses, yet only 23% feel confident about financial decision-making.
Women are more likely to experience financial stress than men, with 1 in 3 women admitting they worry about money daily.
On average, women retire with 47% less superannuation than men, leaving many financially vulnerable in their later years.
Despite being key financial contributors in their households, 56% of women regret not taking charge of their finances sooner.
Did you know that nearly 40% of single mothers live in poverty, making them five times more likely to experience financial hardship compared to two-parent families? And after a divorce, women face a 45% drop in their standard of living.
The struggle doesn’t end there— 39% of widows are burdened with over $25,000 in debt, with 10% owing more than $100,000.
Most heartbreakingly, nearly 60% of widows and divorced women wish they had been more involved in long-term financial decisions before it was too late.
* These statistics are based on recent studies from [reliable sources like the Australian Bureau of Statistics, AMP Bank, or other reputable organisations] that highlight the growing financial responsibility women are taking on, and the need for further empowerment and education in managing finances.
…having a simple, step-by-step formula for taking control of your money, building positive habits, and creating a life where financial stress is a thing of the past. Imagine feeling calm, confident, and completely in charge of your choices...
...no more guessing, no more guilt. You’d have clarity and freedom in just a few focused steps.
And you already know—once it’s done, it’s done! You’ll never have to feel that sinking dread of opening a bill or checking your account again. In fact, you’ll look forward to seeing how your money grows and how your choices open up new possibilities.
Wouldn’t that feel amazing?
Well, you don’t have to imagine it any longer—because...
IT'S HERE!
INTRODUCING...
The Quintessential Step-by-Step Coaching Program for
Building a Budget, Getting Out of Debt and Living Your Dream Life
The Saving Myself Group Coaching Program is designed to be simple, step-by-step,
and tailored to meet you where you are.
Over the course of your membership, we guide you through
creating a solid budget, developing a debt reduction plan,
and crafting a savings strategy that puts real money in your bank account.
You’ll start by getting your budget up and running—this is where we focus for the first three months. This phase is all about getting to know your money, understanding how you relate to it, and establishing strong financial foundations.
From month four onwards, we shift our focus to reducing your debts — changing your mindset from debt-heavy to debt-free, which takes time, consistent action and accountability.
Throughout the entire program, you’ll be supported with
monthly group coaching sessions where you can work alongside other like-minded
women in the program. This is your chance to ask questions, get guidance, and
receive help with any obstacles that arise.
Plus, every three months, you’ll have a quarterly reset
session, where we take a step back, reflect on your goals, and craft a strategy
for the next quarter.
The Saving Myself Coaching Program is straightforward,
supportive, and designed to hold your hand every step of the way—from beginning to end.
It’s time to give your bank account (and your stress levels)
the money makeover it deserves!
SEE WHAT'S WAITING FOR YOU INSIDE ONCE YOU
BECOME A MEMBER...
This is your foundation for financial clarity. Inside, you’ll find detailed video training and workbooks that walk you through the six essential steps to create your ideal budget. We break down each step with simplicity, so you can get clear on where your money is going, how to prioritise your spending, and how to make room for your savings and debt repayments. This course is designed to give you the confidence and tools you need to build a sustainable budget that works for your life.
No more guesswork—just a clear, actionable plan to take control of your money.
This course is your guide to conquering debt once and for all using my powerful DEBT Method:
Decide, Evaluate, Break Down, Tackle. Inside, you’ll find detailed video training and workbooks to help you Decide that getting out of debt is your top priority, Evaluate your financial picture by getting a clear picture of your current debt situation, Break Down your options to choose the best payoff strategy for you, and Tackle your debts with confidence and clear action.
Whether you’re dealing with credit cards, loans, or other forms of debt, this course will help you create a plan that works for you. Plus, you’ll get access to powerful tools to keep you motivated, track your progress, and demolish your debts step by step.
This course will become available 3 months into the program to ensure you have a solid understanding of your budget, your numbers, and your habits before diving into debt management.
Say goodbye to feeling overwhelmed by debt, and hello to the freedom of living debt-free.
Every month, you’ll join a 1-hour live group coaching session with me and a supportive community of incredible women who are committed to transforming their financial lives. This is your dedicated space to ask questions tailored to your personal situation, share your experiences, and dive deeper into any challenges or obstacles you’re working through.
You’ll receive on-the-spot coaching, personalised guidance, and practical, actionable advice to help you stay aligned with your financial goals. Together, we’ll explore key strategies for budgeting with ease, tackling debt with confidence, saving smarter, and embracing a life filled with choice and freedom.
These sessions aren’t just about information; they’re about connection, encouragement, and the power of women supporting each other on their path to financial empowerment. Each session is designed to leave you feeling inspired, confident, and ready to take your next best step toward financial independence and peace of mind.
This is where we connect, share and thrive on our financial journey.
Every three months, it’s time to hit the reset button and refocus your financial journey. Our Quarterly Strategy Session is designed to give you clarity, confidence, and a renewed sense of purpose as you move into the next phase of your year. This session is your dedicated space to pause, reflect, and celebrate how far you’ve come while identifying the steps you’ll take next to continue building momentum.
We’ll start by reflecting on your wins — because every milestone, no matter how small, deserves to be recognised. You’ll also have the opportunity to assess the roadblocks that may have slowed you down and uncover powerful strategies to overcome them. Together, we’ll recalibrate your goals to make sure they’re aligned with your vision and create a fresh, actionable plan tailored to your unique financial path.
By the end of this hour, you’ll feel energised and equipped with a clear, step-by-step strategy to move forward with confidence and ease. Whether it’s refining your spending habits, accelerating your savings goals, or conquering debt, this session will leave you empowered, motivated, and laser-focused on your next chapter of financial success.
This isn’t just a review — it’s your roadmap to intentional progress, guided support, and consistent action. Let’s take the guesswork out of your financial future and ensure you’re always moving forward with clarity and purpose.
Your roadmap to clarity, confidence, and consistent financial progress.
And I’ve Got Special Gifts for You!
As a woman who truly believes in celebrating and empowering others, I can’t help but share my favourite gifts with you. When you join the Saving Myself Group Coaching Program, you’re not just getting a life-changing system—you’re also getting some exclusive bonuses I’ve handpicked with love to help you on your journey. These gifts are designed to give you that extra support and inspiration to keep you moving toward your dream life.
Here’s what’s waiting for you…
A Copy of My Bestselling Book
As a member, you’ll receive a digital copy of my bestselling book
Saving Myself: The Quintessential Guide to Building a Budget, Getting Out of Debt, and Living Your Dream Life.
This book is the perfect companion to the program, filled with practical tips, real-life stories, and proven strategies to help you build a healthier relationship with money.
It’s all the knowledge you need to take action and create a life of financial freedom—and it’s yours to keep as part of your journey.
A 90 Day Roadmap
To help you hit the ground running, you’ll receive a detailed 90-day roadmap that outlines your first steps in the program.
This roadmap will guide you through the key milestones of your financial journey, from setting up your budget to starting your debt reduction plan.
It’s like having a personalised action plan that keeps you on track, focused, and motivated every step of the way.
The Design Your Dream Life Course
This powerful course will help you gain clarity on what your
dream life looks like.
It’s not just about the numbers; it’s about aligning your finances with your true desires and values.
In this course, we’ll guide you through a process that helps you uncover what’s most important to you and how to design a life that reflects your passions and purpose.
It’s the perfect companion to your financial journey, ensuring that your goals are rooted in what truly matters to you.
The Learning Library
Gain access to a treasure trove of resources, worksheets, templates, and expert tools that will support you every step of the way.
The Learning Library is a comprehensive, on-demand collection of everything you need to stay empowered, informed, and inspired throughout your journey.
Whether you need help staying motivated, refining your strategy, or understanding financial concepts in more detail, the Learning Library has you covered, offering ongoing support and guidance.
The Online Community
Join a vibrant, supportive group of like-minded women who
are on the same journey to financial freedom.
In our exclusive online community, you'll find inspiration, encouragement, and the accountability you need to stay on track.
Share your wins, ask questions, and get the support you need from women who truly understand the challenges and triumphs of this journey.
Together, we rise!
Here’s a Recap of Everything You Get
When You Join the Saving Myself Group Coaching Program
This program is designed to guide you step by step through your financial transformation. It’s simple, it’s supportive, and it’s here to help you live the life you’ve always dreamed of. You’ll be held by the hand every step of the way, from getting your budget up and running to building your debt-free future.
What’s Inside the Program:
The Money BLOOME course - Learn the 6 steps to create your ideal budget and get it working for you.
The Demolish Your DEBT course - Discover the best debt removal strategies for your unique situation, plus the tools to help you pay your debt down faster.
Monthly Group Coaching on Zoom - Get ongoing support i live group coaching sessions with other women who are on the same journey. Ask questions, work through challenges, and gain insights from the group.
Quarterly Group Strategy Sessions on Zoom - A birds-eye view of your progress every three months, plus a strategy session to keep you on track for the next quarter.
Plus the Bonuses:
A Digital Copy of My Bestselling Book, Saving Myself – Your ultimate guide to budgeting, getting out of debt, and living your dream life.
A 90-Day Roadmap – A step-by-step action plan to guide you through your first 90 days in the program, setting you up for success from day one.
The Design Your Dream Life Course – Craft a vision for your future and learn how to bring it to life with intention and purpose.
The Learning Library – A treasure trove of resources, including worksheets, templates, and bonus training videos to support your progress.
An Online Community – A supportive, uplifting space where you can connect with other women, share your wins, and get encouragement when you need it most.
I’ve included these exclusive bonuses to ensure you have all the tools, resources, and support you need to succeed.
Still on the fence about it?
Cancel at Any Time Guarantee
If you join me and you’re not satisfied here is what I’ll offer you...
I’m so confident in the impact this program will have on your life that I’m offering you a no-risk guarantee.
If, for any reason, you feel like this program isn’t the right fit for you, simply drop me an email, and you can cancel at any time. No hard feelings, no questions asked. You won’t pay another cent.
This is your journey, and I’m here to support you every step of the way.
Ready to Take Control of Your Finances and Start Living Your Dream Life?
If you’ve made it this far, you’re ready to step into the
life you’ve always wanted.
The Saving Myself Group Coaching Program
is here to help you build the financial foundation you need to take control, feel
empowered, and live freely without the weight of financial stress holding you back.
Here’s How to Join:
Simply click the button below to enrol in the program today. You’ll get immediate access to powerful tools, courses, and coaching designed to set you on the path toward financial clarity and confidence.
Once you join, you’ll get full access to:
The Money BLOOME course – Start creating your ideal budget and get clear on your numbers right away.
Monthly Group Coaching Sessions – Ongoing support and accountability to keep you on track
Quarterly Group Strategy Sessions – Plan your next steps and build momentum every three months.
Exclusive Bonuses – Enjoy access to a treasure trove of resources, including worksheets, templates, and bonus training videos to support your progress.
We've designed your experience intentionally:
Access to the Demolish Your Debt Course unlocks after your first three months. Why? Because financial success begins with knowing your numbers, building awareness of your spending patterns, and mastering your budget. This solid foundation makes your debt-payoff journey smoother, faster, and more effective. By the time you start Demolish Your Debt, you’ll be fully prepared to demolish your debt with confidence and ease.
The Quintessential Step-by-Step Coaching Program for
Building a Budget, Getting Out of Debt and Living Your Dream Life
MONTHLY MEMBERSHIP INCLUDES:
The Money BLOOME course – Core Curriculum (Value $837)
The Demolish Your Debt Course – Core Curriculum (Value $597)
Monthly Group Coaching Sessions – with Jo Baker (Value $1,167)
Quarterly Group Strategy Sessions – with Jo Baker (Value $1,187)
Saving Myself - Downloadable eBook (Value $17)
90-Day Roadmap – Downloadable Action Plan (Value $93)
The Design Your Dream Life Course – Mini Course (Value $237)
The Learning Library – Support for your progress (Value $177)
Private Community Access – Exclusive Membership (Value $177)
TOTAL PROGRAM VALUE = $5,051
JOIN TODAY $97 / MONTH
NO CONTRACTS OR LONG TERM COMMITMENT. CANCEL ANY TIME.
You could keep facing the same financial struggles, feeling overwhelmed, or uncertain about the future. Or, you can choose to take action now and start changing your financial destiny today. The choice is yours, and the time is now.
There’s a reason why The Saving Myself Group Coaching Program works.
This has nothing to do with complicated financial theories or rigid, one-size-fits-all systems.
It certainly has nothing to do with needing a background in finance or a massive starting income.
Come and join in on the secret method that only the elites (successful women entrepreneurs, CEOs, and financial leaders) know about.
I created the Savvy Living Formula when I was feeling stuck in my finances and realised that the only way to take control was through a solid plan and daily habits.
And that’s why I have been able to create financial stability, step into my power, and live life without the burden of money stress – and why you can do it too.
Like I said, it’s the proven quickest way to achieve your financial goals with clarity, confidence, and ease.
I’m only doing this because I’m passionate about showing women that managing money doesn't have to be hard, and that freedom is achievable for everyone.
Because here’s what’ll happen when you start using The Savvy Living Formula, just like many women entrepreneurs, professionals, and everyday women before you:
You’ll stop feeling overwhelmed by your finances – and start creating a clear, achievable financial plan.
You’ll stop procrastinating and feeling stuck – and start building daily habits that turn your financial dreams into reality.
You’ll stop letting money control your life – and instead, you’ll be in charge of your financial future, making empowered choices that support your goals.
I’ve created something that will help you do exactly the same thing.
It’s a guaranteed method to take control of your finances, build a clear financial plan, and create the lasting habits that lead to financial freedom and confidence.
But unlike many other financial coaches and programs out there who are trying to sell you this level of value for $1000s or $10,000s, I’m not going to do that.
Because I want you to be able to implement this method immediately.
And I know the crazy changes it will bring to your financial life – changes you’ll start seeing within weeks.
Normally, this entire program, with a Total Value of $5,051, would cost you a one-time fee of $1,997 due to the incredible value and transformation it offers.
However, you can join today for just $97 per month, making it more accessible than ever to start your journey toward financial freedom!
I’m so confident in the value you’ll get from this program that I’m backing it with a cancel at any time guarantee.
So if for any reason you’re unhappy with this offer, drop me an email, and you won't pay another cent.
So you really have nothing to lose.
Click the link below to join the Saving Myself Group Coaching Program and start your journey to financial freedom today!
What is the Saving Myself Coaching Program all about?
The Saving Myself Group Coaching Program is a comprehensive, step-by-step program designed to help you get control of your finances, pay off debt, and build healthy money habits. It’s built around the Savvy Living Formula: A solid plan + positive habits = a new way of life. Over several months, you’ll learn how to budget, reduce debt, save, and ultimately create the life you’ve always wanted.
How long does the program last?
The program is designed to take you through 12 months of guided coaching, with each month focusing on specific financial goals—starting with budgeting, then moving on to debt reduction, and finally saving for the future. You’ll also have quarterly resets to review your progress and adjust your strategy.
Do I need to have any prior financial knowledge?
No, absolutely not! The program is designed for women at all stages of their financial journey. Whether you’re just starting or you’ve been trying to get your finances in order for years, this program will meet you where you are and guide you through each step.
How much time will I need to invest?
The program is designed to fit into your busy life. Expect to spend around 2-3 hours per week on the training and activities. Our group coaching calls are 1 hour per month, and the quarterly strategy sessions are also 1 hour. You can go at your own pace, but this program works best when you stay consistent.
What's included in the program?
When you join, you’ll get access to:
The Money BLOOME Course – Step-by-step video training on how to create your ideal budget.
The Demolish Your Debt Course – Detailed video training and tools to help you pay off debt.
Monthly Group Coaching on Zoom – Live coaching calls where you can ask questions, get support, and connect with other women in the program.
Quarterly Group Strategy Sessions on Zoom – Review your progress and adjust your strategy every 3 months.
Bonuses:
Digital copy of Saving Myself: The quintessential guide to building a budget, getting out of debt, and living your dream life.
A 90-day roadmap to guide you through the first 3 months.
Design Your Dream Life Course – Help you create a vision for your future and turn it into a reality.
Learning Library – Access to exclusive content on budgeting, debt reduction, saving, and more.
Online Community – Join a supportive group of women going through the same journey.
Is there a guarantee?
Yes, there’s a cancel at any time guarantee. If you’re not satisfied with the program, just send me an email, and I’ll ensure you don’t pay another cent. You really have nothing to lose!
What happens if I can't make the live calls?
Don’t worry! All our group coaching calls and quarterly strategy sessions are recorded and made available for you to watch at your convenience. You can still get the support you need even if you can’t attend live.
How is the program delivered?
Everything is hosted online, so you can access it from anywhere, on your own time. You’ll receive access to the courses, training videos, and the community portal as soon as you join.
What happens after the program?
By the end of the program, you will have a solid financial foundation, with a clear budget, a debt-free life, and a savings strategy in place. You’ll also have built new money habits that will continue to serve you long into the future. You’ll leave the program feeling empowered, confident, and ready to live your dream life.
JOIN TODAY $97 / MONTH
NO CONTRACTS OR LONG TERM COMMITMENT. CANCEL ANY TIME.