Your income isn't the problem.
Your system is.

Most couples - and individuals - with a good income still feel behind. Not because they spend too much, but because they have no shared system and no shared plan. The Simple System gives you one. Budget Mindset Coaching rooted in the psychology of why we spend the way we do, and how to finally get on the same page - with your partner, or just with yourself.

🇨🇦 🇬🇧  Coaching clients in Canada and the UK.

Book a free intro call Get the Tracker - $25 CAD

$25 CAD — credits toward your first session if booked within 3 months. UK clients: £14 GBP — email hello.thesimplesystem@gmail.com to purchase.

The rules changed.
Nobody told you.

A generation did everything right. Degree. Career. Steady income. And yet it still doesn't feel like enough. Six figures doesn't go as far as it used to. Rent, groceries, filling up your car, grabbing a coffee - it all adds up in a way it simply didn't before.

Same habits. Same approach. Same result. The problem isn't how much you earn. It's the absence of a system.

46%
of people consider emotional spending completely normal
54%
of people who started with zero savings built a savings habit through coaching alone — no income increase required
38%
say financial stress makes them spend more, not less

Sources: Bankrate · CFPB / Citigroup · Bankrate

Work with me

Build your system
with someone who's done it.

A free 20-minute intro call to start. Then sessions booked as you need them — no packages, no commitment. We work on what's most alive for you right now.

For couples, sessions are built around both partners. We work together to understand each other's relationship with money - the habits, the upbringings, the differences - and then build a shared plan you both believe in. Transparency between partners is at the core of everything.
What a session can cover
Your full financial picture - income, expenses, savings, debt
The 60/20/20 framework applied to your actual numbers
Going line by line through your spending
Setting up and reviewing the tracker
Debt - building a plan and working it
Savings goals and how to reach them
Cancelling subscriptions, renegotiating bills
Experiences vs. material goods - what actually makes you happy to spend
Short and long term life goals - the life you want to build
The psychology behind why you spend the way you do
For couples - understanding each other's relationship with money and building a shared plan you both believe in
Book a free intro call

Tracker included free with your first session. Sessions are via video call.
No commitment. No sales pitch.

The Simple System

The foundation first.
Everything else after.

Most people skip straight to "I need to earn more." That instinct is right - but only half the picture. Earning more without a system just funds a more expensive version of the same problem. The Simple System starts with the foundation. Three things, in order.

01

Your Numbers

See exactly where your money goes. Every category visible. No guessing, no judgment. Just clarity - probably for the first time.

02

Your System

A simple, repeatable budget framework. 60% to essentials. 20% to savings. 20% to everything else. Built once. Used every month.

03

Your Psychology

Numbers are easy. Behaviour is hard. Understanding why you spend the way you do is what makes the system stick long term.

For couples, this also means understanding each other's relationship with money - where it comes from, why it shows up the way it does, and how to build a shared plan you both believe in.
A budget is not a punishment. It's permission. When you know your numbers, you can say yes to the things that matter - trips, dinners, golf, whatever your version of living looks like - without the guilt or the guesswork. Protect what you work hard to earn. Spend it on what actually matters.
Why I built this

I did everything right.
And still felt completely blind.

Steady career since university. Consistent saver. Decent income. On paper - winning.

Then life happened all at once. Our landlord sold and the new owner wanted to move in. A wedding to pay for. Talking about starting a family. Moving countries for eight months. Coming back to Canada and losing both our incomes within three months of each other.

Two qualified professionals with real savings - and still that feeling of panic. I started reading. Atomic Habits. The Psychology of Money. Something clicked - not just about numbers, but about behaviour. I also realised how much of it was psychological. Two people, same income, completely different relationships with money. We had to understand each other before we could build anything together.

The system worked. Not because we stopped living - but because we finally knew what we could afford to spend on the things that actually mattered. We still travelled. Still had date nights. Still went golfing. We just did it intentionally, knowing exactly where we stood. That clarity changed everything.

I'm not a licensed financial advisor. I'm someone who went through it, built the system, and has been living it with my wife for the past two years. I've read the books. I've mediated professionally. I'm interested in the psychology of why we spend the way we do, not just the numbers. I'll go line by line through your spending with you. I'll ask you when you last negotiated your internet bill. I'll ask you whether that purchase made you genuinely happy or just felt good for a day. I'll ask you about your short and long term goals - the life you want to be living in one year, in five, in twenty. Because a system without a destination is just a spreadsheet. The numbers have to serve the life, not the other way around.

Warm and direct. No judgment. But I will push.

The principles behind the system
🎯
Live below your means A deliberate choice that buys you freedom.
⚙️
Control what you can control You can't control the market. You can control your budget.
📐
The 60/20/20 rule 60% essentials - 20% savings - 20% everything else. Built for real take-home incomes.
🏠
The 30% rent rule Rent should not exceed 30% of your post-tax income. Already above 30%? You're not alone - knowing that number is the first step to making smarter decisions everywhere else.
🔮
Protect your future self The decisions you make today are the options you have tomorrow.

Intentional. Frugal. Sensible. Organised. These four words lead to freedom, options, and - eventually - happiness. That's the whole system.

Going deeper

More on the psychology behind the system, the 60/20/20 framework, and the everyday decisions that compound — written weekly on the newsletter.

Read the newsletter →
The Simple System Tracker
The tool that runs the system for you.

Built specifically for The Simple System. Log your transactions weekly, update your net worth once a month, and you'll always know exactly where you stand. No guessing. No anxiety. Just clarity.

Get the Tracker - $25 CAD Your $25 CAD credits toward your first session if you book within 3 months. UK clients: £14 GBP — email hello.thesimplesystem@gmail.com to purchase.
What's included
Annual plan - all 12 months in one view
60/20/20 framework built in
Budget vs. actual - every category, every month
Transaction log - every income and expense tracked
Debt tracker - balances, payments, progress
Savings and investments - TFSA, FHSA, RRSP
Net worth - month by month
Built for singles and couples - Partner 1 and Partner 2 throughout
Built for a weekly habit - 10 minutes a week is all it takes
One-time purchase. No subscription. Yours forever.
FAQ

Questions people ask
before they book.

About the sessions
A free 20-minute conversation. No agenda, no sales pitch. We talk about where you are, what you're trying to figure out, and whether working together makes sense. No commitment either way.
It depends on where you are. We might go line by line through your spending. Set up the tracker. Build a debt paydown plan. Cancel subscriptions. Talk through a big financial decision. Discuss your short and long term goals. Or work through the psychology of why you spend the way you do. Every session is different - we work on what's most alive for you right now.
Sessions are 50 minutes. $195 CAD for Canadian clients, £105 GBP for UK clients. The intro call is free.
There's no fixed schedule. Some people book monthly, some every few months, some only when something comes up - a new job, a big purchase, a life change. You book when you need it.
Book your free intro call directly using the button on this page - pick a time that works and you'll get a confirmation straight away. No back and forth.
All sessions are via video call.
About the system
No. Most people come to me because they're not in order. You don't need to have anything figured out - just a willingness to look at the numbers honestly.
It's built to be as simple as possible. Just type your numbers, log a few transactions, and the tracker does the rest. If you get stuck, we can walk through it together in a session.
Your $25 CAD purchase credits toward your first session if you book within 3 months. UK clients pay £14 GBP — email hello.thesimplesystem@gmail.com to purchase, and the same 3-month credit applies. Just mention you bought the tracker when you book and the credit gets applied automatically.
It helps, but it's not required for the intro call. Most clients pick it up before we start — it's $25 CAD via Payhip (£14 GBP for UK clients, by email), and the purchase credits toward your first session if booked within 3 months. If you don't have it yet, we can still work through your numbers together.
About me
No. I'm not a licensed financial advisor and I don't give regulated financial advice. What I do is help you understand your own numbers, build a system that works for your life, and work through the psychology behind how you spend. Lived experience, not credentials.
Because I've done this myself. Two years living the system with my wife - through job losses, a wedding, moving countries, and coming back to nothing. I've read the books, I've mediated professionally, and I care about getting this right for the people I work with. No jargon. No judgment. Just honest work.
For couples
For the intro call, one of you is fine. For sessions, yes - both partners should be there. The whole point is building a shared plan you both believe in. That only works if you're both in the room.
That's exactly why you're here. Most couples do. Different upbringings, different habits, different relationships with money - it's more common than people think and it's completely workable. Part of what I do is help you understand each other's perspective before trying to build anything together. You don't need to agree on everything before you start - you just need to show up.

Control what you can.
Build the system.

Start with the tracker for $25 CAD (£14 GBP for UK clients, by email) — credited toward your first session if you book within 3 months. Or skip ahead with a free intro call.

Book a free intro call Just the tracker
Free guide

Not sure where to start?
Get the free starter guide.

The 60/20/20 Budget Starter for Canadians — a one-page guide with the framework, your numbers worksheet, and the 30% rent rule. Free, instant download.