Money Clarity: Get your
foundations right
A self-study course that helps you feel calm, clear and intentional with your money so you can make confident decisions about your life now and later.
Most people earn well but still feel unsure what their money is actually doing.
Not because they’re careless, but because life is full and they’ve never had the time, structure or support to get clear.
Money Clarity gives you a simple way to change that.
Why this matters
You work hard. Your money should support you, not weigh on you.
Right now you might be:
• earning a good salary but unsure where your money goes
• avoiding checking your accounts because it feels heavy
• juggling childcare, home decisions and holidays without a plan
• torn between enjoying life now and looking after future you
• feeling guilty for not being “further along”
• wondering why this still feels confusing despite earning well
If nothing changes, the cycle continues.
You keep guessing,
you keep juggling, you keep feeling behind even though you’re doing your best.
You deserve a calmer, more intentional way to manage your money.
By the end of this course you’ll move from avoiding or guessing your way through money to having a grounded, intentional foundation that shapes every financial decision you make.
You will have:
1. A clear understanding of your relationship with money
You’ll see the patterns, habits and assumptions that have been running the show. This is the shift that removes shame and gives you real power to change things.
2. A values-based vision for the life you actually want
You’ll get clear on what matters most and what you’re moving toward, so every choice feels aligned and no longer reactive.
3. Simple, intentional systems for spending and saving
You’ll build simple, purposeful systems for spending and saving that support both your day to day life and your longer term plans.
These foundations are the same ones I use with every client I support, whether they’re just starting out or making millions. They are the core of a financial life that feels clear and calm.
The result is confidence in the decisions you make now and calm momentum for the future. It’s all about getting clear, aligned and creating structure that supports the life you want.
How the course works
Money Clarity follows five stages that build on each other. Each one moves you closer to a
clear, grounded relationship with your money.
1. Your relationship with money
See the patterns and beliefs that shape your decisions.
Awareness removes shame and gives you space to choose differently.
2. Your values
Get clear on what matters most so decisions feel easier and less reactive. This becomes the foundation of intentional spending and saving.
3. Your vision
Take time to define the life you want to build over the next few years. It is so much easier to make choices when you finally have direction.
4. Your spending
Create a simple structure that shows you where your money goes and how to use it with intention.
5. Your saving
Build a manageable rhythm for short, medium and long-term goals.
Note: This course focuses on your foundations.
Investing sits on top of this work and can be done with me in live sessions when you’re ready.
What you'll walk away with
• a clear understanding of your relationship with money
• a grounded vision that reflects your real priorities
• a values-based filter for everyday decisions
• a spending structure that finally makes sense
• a saving rhythm that feels doable
• light-touch habits that help you stay consistent
• a calmer sense of control and the feeling of being ahead, not catching up
What's included?
• five self-paced modules with 3-4 short videos (5-10 minutes) in each
• practical exercises designed to help you get clear with your money at a pace that works for you
• a complete workbook covering all modules to refer back to and watch your progress
• lifetime access so you can revisit anytime
• one live group implementation call after you complete the course
• a structure you can complete in ten weeks (or faster if you prefer)
• a calm, supportive process designed to fit around a busy life
Investment: £400
This is for you if you
• earn well and work hard but want your money to feel organised and intentional.
• want to stop guessing and start feeling in control
• want to understand your patterns so you can change them
• want systems that work in real life
• prefer a reflective, self-guided approach with practical tools
Meet Philly
I’m Philly Ponniah, founder of Philly Financial.
After fourteen years in wealth management, I built a coaching practice that blends financial strategy with money psychology. I support professionals who want their money to feel calm, clear and aligned with their lives.
Wealth isn’t about how much you earn, it’s about how intentional you are with it.
Start the year feeling clear with your money
True money confidence comes from understanding yourself and building a structure that fits your life.
Enrol now and begin in early January.
Give your future self a calm, intentional start to the year.
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