You earn good money, so why does it disappear every single month?

You are not alone. According to The Standard, 26% of people earning £100,000-plus are living month to month.

The Problem

On paper, you're doing well.

You have a good job and a good salary. A life that looks, from the outside, like you've got it together.

But behind the scenes? You're checking your banking app with one eye closed. You're moving money between accounts to cover a direct debit. Again. You're lying awake at 3am wondering how you'll pay for that thing.

You've tried the budgets. The spreadsheets. The 50/30/20 rule. They work for two weeks, then collapse, like a crash diet.

And every month you tell yourself the same thing: I earn too much to feel this broke.

Here's what I want you to know first:

You're not lazy. You're not stupid. And you're definitely not broken. You were never taught this. And you've been carrying it alone.
Why Nothing Has Worked

More money hasn't fixed it.

You've had pay rises, bonuses, maybe even a windfall, and within weeks it was gone. Nothing to show for it.

That's because more money isn't the solution.

Budgets and apps treat the symptom. They don't touch the reason you overspend when you're stressed, avoid your statements, or panic in money conversations.

The real problem sits underneath the numbers. Your habits. Your beliefs. Your identity around money.

Fix that, and the numbers follow.

My Story

I'm not teaching this from a textbook. I've lived it.

There was a time when my financial life had completely spiralled. I was drowning in debt. My wages were being garnished. My credit was so bad I wasn't even able to get a current account. I had my head in the sand pretending things would magically get better. And then suddenly I couldn't ignore it anymore.

I received a letter. I can't remember if I ever read the whole thing, but I've never forgotten the subject line:

Notice of Repossession.

I was about to lose my house. Me, a lawyer. And the worst part wasn't the money. It was the shame. The exhaustion of trying to juggle it all and hiding from the bailiffs. Money was in charge of my life by then. It decided where I went and who I let down. I felt stupid, stuck and profoundly alone.

What pulled me out wasn't a windfall or a sudden burst of discipline. It was desperation. I had no choice but to finally learn what nobody had ever taught me: how money actually works, and how to rebuild trust in myself.

It took me years of wrong turns to figure it out. But I did. I rebuilt. Today I have savings, investments, a growing property portfolio, and real financial security.

I created Own Your W.E.A.L.T.H so it doesn't take you years. Instead you get the plan, the support and the shortcuts I never had.

The Solution

Introducing Own Your W.E.A.L.T.H

A 12-week online live group coaching programme where you'll rebuild your financial foundations using my signature W.E.A.L.T.H framework. Practical financial strategy, behaviour change, and identity work, together in one place.

W
Who
Identity & beliefs
E
Energy
Capacity to act
A
Awareness
Your real numbers
L
Language
Money conversations
T
Toolkit
Systems & support
H
How
Implementation

By the end of 12 weeks you will:

Your 12 Weeks

Exactly what we cover, week by week

Each week: one live training, one focused workbook, one clear action. Nothing left vague.

Part one: See it clearlyWeeks 1 to 4
1
Your money story
Where your beliefs and habits came from, and your net worth snapshot. The full picture, finally, without the panic.
2
Your real numbers
Income, spending, true monthly essentials. What actually comes in, what actually goes out.
3
Your patterns and triggers
Why you overspend when you're stressed, avoid statements, and panic in money conversations. Naming it changes it.
4
What your money is for
Using my D.R.E.A.M.S framework to decide what you're actually building towards, before deciding what to do with a single pound.
Part two: Set it upWeeks 5 to 8
5
The language of money
ISAs, pensions, salary sacrifice, interest, tax. Explained plainly, without jargon or condescension.
6
Your money system
Accounts, automation and bills on autopilot, so the right things happen without willpower.
7
A spending plan that doesn't collapse
Not a restrictive budget. A plan with room for the life you enjoy, built to survive a bad week.
8
Debt, done differently
A clear payoff strategy without shame, restriction, or putting your whole life on hold.
Part three: Grow itWeeks 9 to 12
9
Make more
Your earning potential, your income-generating skills, and how to ask for what you're worth.
10
Save and protect
Your buffer for the unexpected, and protecting what you're building.
11
Multiply
Investing foundations and pensions, explained simply, so your money starts working while you sleep.
12
Own it
Your personal wealth plan for the next 12 months, and how the monthly coaching sessions keep you on track.
What's Included

Everything you get as a founder member

12 weeks of live online trainingWeekly live sessions through the full W.E.A.L.T.H framework, with replays
£1,297
Student workbooksSo you implement as you learn, not just take notes
£97
A private communityWomen doing this alongside you. No shame, no judgement
£497
Monthly live coaching and Q&A sessionsBring your real situation and get it worked through
£197
Bonus3 extra months of monthly coaching and Q&ASupport continues long after the 12 weeks end
£197
Bonus3 months inside W.E.A.L.T.H UniversityWorkshops on negotiating your salary, difficult money conversations and more
£291
Total value
£2,576
Founder spot
£497
Claim My Founder Spot
The Guarantee

Full clarity, or your money back.

Show up and do the work for the first three weeks: worksheets done, one live call attended, genuinely showing up in the community.

If you don't have full clarity on your numbers, request a full refund within 30 days of starting.

Full terms apply. See the terms and conditions at checkout.

Why £497

Why is the founder price so low?

Simple. This is the first ever cohort.

In exchange for the reduced price, I'm asking founder members for two things: show up and do the work, and give me honest feedback (and, if you're happy, a testimonial) at the end.

You get the full programme, every bonus, and closer access to me than any future cohort will have.

Once these 8 places are filled, the doors close and the price goes up.

What would you do if you had more financial freedom?

Where would that money go? Would you use it for a holiday with your kids? Or maybe a new house?

About Me
Vanya Headley
Vanya Headley
Certified Financial Coach · Founder, Afford Your Dreams

I'm a certified financial coach and the founder of Afford Your Dreams. I help professional women transform their relationship with money so they can make, manage and multiply it. I've been where you are: drowning in debt, ashamed, and one letter away from losing my home. My W.E.A.L.T.H framework combines practical financial strategy with the behaviour and identity work most money advice skips, because more money was never the answer. The right foundation is.

Who This Is For

This is for you if

  • You're a professional woman earning £50k+ who feels out of control with money
  • You're done pretending you're fine and you are ready to look at the full picture
  • You've tried the books, the apps and the budgets, and they haven't worked
  • You don't know for certain what's in your bank account, what's going out, and what you owe
  • You're tired of lending people money you don't really have, but feel obligated to say yes
  • You'll do the work. This is action based coaching, not a course you buy and forget

This is not for you if

  • You're looking for a get-rich-quick scheme
  • You want someone to blame instead of a plan to follow
  • You're not willing to believe you can change
  • You're in crisis this week and need regulated debt advice today. Please contact an organisation such as StepChange and come back once you've worked out a plan with them
  • You want stock picks, product recommendations, or a promised return. This is coaching, mentorship and education, not regulated financial advice
  • You believe that money or debt is evil
  • You're a bully, judgemental, or you don't want other women to do well
FAQs

Before you claim your spot

I can't afford £497 right now

I understand, I've been exactly there. But ask yourself: what has staying stuck cost you this year alone? In interest, in impulse spends, in bonuses that vanished? For most women I speak to, it's far more than £497. And this is the lowest price this programme will ever be. Founder pricing happens once.

I don't have time

It's because you don't have the time that you really need this. When you have financial freedom, you also have time freedom. You get to choose how you spend your time and who you spend it with. Right now, money is making that choice for you. Sessions are live with replays, and the workbooks are built for busy weeks. Worrying about money at 3am takes far more time than this will.

I've tried things before and they didn't stick

Yep, me too. I tried the budgets, the apps, the spreadsheets, the fresh starts every January. None of it stuck, because none of it dealt with why I was doing what I was doing. This deals with the habits and beliefs driving the numbers. That's the difference.

What if I fall behind?

Replays, the community, and the monthly coaching sessions exist exactly for this. You can't fail this programme by having a busy fortnight.

What is financial coaching?

Financial coaching helps you change your relationship with money and your behaviour around it. We look at your numbers, yes, but we also look at your habits, your beliefs, and the patterns underneath them. Then we build systems and a plan you can actually follow. It's education and support, and the work is done with you rather than for you.

Is a financial coach the same as a financial adviser?

No. A financial adviser is FCA regulated and recommends specific products such as pensions, investments and insurance. A financial coach helps you understand your money, change your behaviour, and build the foundations. I'll teach you how things work and help you get clear and confident, but I won't recommend specific products. Many women work with both: I get you ready, and an adviser handles the regulated part.

When does it start?

The founder cohort starts on 22 October 2026. Live sessions run weekly for 12 weeks, with replays if you miss one.

8Founding
Spots

You can close this page and have another year like this one.

Same 3am worry. Same disappearing salary. Same quiet shame. Or you can be one of 8 founding women who finally take control.

£497 · Total value £2,576 · Starts 22 October 2026 · First 8 places only
Claim My Founder Spot
Add your details below. Founder places are offered in order, and you'll be first to hear the moment doors open.

P.S. Founder pricing exists once. When these 8 places go, the price goes up. If you're reading this and something in you is saying "this is for me", that's your answer.