I’ve been working quietly behind the scenes on something that’s very close to my heart — something I created specifically for everyday earners who are doing their best, working hard, and still feeling like money is always tight.

If that’s you — this is for you.

I help people who are juggling bills, debt, family responsibilities, and life… yet still feel like they’re falling behind. The kind of people who say:
​“I do everything right, but my pay disappears.”​
​“I work so hard — why am I not getting ahead?”​
​“I feel embarrassed that I still don’t have savings.”

And honestly? I get it. I’ve seen this struggle up close, and I know how overwhelming, frustrating, and lonely it can feel.

There’s a whole story behind why I created this (and I’ll be getting vulnerable and sharing it soon), but for now, if you’ve been:

• Working hard but never feeling ahead
• Watching your paycheck vanish to bills, debt, and everyday expenses
• Feeling confused by budgeting, saving, or financial advice that feels too complicated
• Carrying shame or self-doubt about money
• Feeling overwhelmed trying to manage everything with no clear plan

…just know this:

👉 A solution is on the way — and it’s going to change how you feel about money.

Next week, I’ll be officially revealing my brand-new 3-Week “Take Charge of Your Money” Bootcamp — a fast-paced, supportive reset designed to help you finally feel in control of your finances again.

This isn’t about restriction or perfection.
It’s about clarity, confidence, and a realistic plan that actually fits real life.

Here’s what we’ll do together:

Week 1: Take Charge of Your Mindset​
Rewrite your money story, clear the blocks holding you back, and reconnect with your why.
✨ Outcome: hope, motivation, and belief that change is possible.

Week 2: Take Charge of Your Numbers​
Build a simple budget, review expenses and debt, and fix the money leaks.
✨ Outcome: clarity and practical control.

Week 3: Take Charge of Your Future​
Create a debt payoff plan, automate savings, and map out your next 90 days.
✨ Outcome: confidence and a clear path forward.

You’ll also get:
✔ 3 live workshops
✔ 3 live Q&A sessions
✔ All templates + worksheets
✔ Replays for 30 days
✔ A personalised 90-day money plan

💥 All for just $59.

So if what you really want is:

• To stop living paycheck to paycheck
• To feel calm instead of anxious about money
• To enjoy life without guilt
• To build security for yourself and your family
• To finally feel confident and capable with money

Then I’d love to invite you in early.

👉 Comment “VIP”, reply to this email or send me a DM and I’ll add you to my early-bird VIP list so you’re the first to know when doors open.

This is for the people who are ready to stop surviving and start taking charge — and I can’t wait to walk this journey with you 💛

Kara Northcott

Financial Educator & Facilitator
​Helping everyday people feel confident and in control of their money

027 666 6784
📩 kara@financialconsultant.co.nz
🌐 kara-northcott-financial-consultant.kit.com​

✨ Take Control of Your Money, One Step at a Time

Are you a busy mum feeling stretched and unsure where your money goes? The Money Mum Workbook has been designed with you in mind — simple, practical, and empowering.

Inside, you’ll find easy-to-use trackers for savings, debts, subscriptions, and expenses, plus meal planners and shopping lists to help you save smarter and stress less. With gentle prompts and plenty of space to plan, this workbook turns financial overwhelm into clarity and confidence.

💡 Small changes add up to big results — and this workbook makes it easy to start today.

👉 Get your copy now and take the first step toward financial freedom!

​

I love it when people learn from our sessions, it makes me want to be able to do this for more people.