POV: You make good money...
So why does it feel like your paycheck is gone before it even hits the bank?
❌ You're not lazy.
❌ You’re not bad with money.
❌ And you're NOT the only one hiding Amazon boxes before your partner gets home. 😅
💡 You just never learned how to manage money in a way that actually works. 🚀
You promise yourself that THIS is the month you'll stop impulse shopping... but that Target run says otherwise. 🛍️
You stay up at night wondering how your paycheck is already gone. 😩
You've tried other budgeting methods, but they felt too rigid, too confusing, or too much work. 🤯
You feel ashamed because your debt didn’t come from a crisis... it came from clicking “Add to Cart.” 📦
You panic every time an unexpected bill hits because you never seem to have anything saved. 💸
You want to save money, but you also feel like you deserve to spend after a hard day. 🍷
Waking up without that pit of financial anxiety in your stomach. 😌
Checking your bank account and actually feeling proud. 🙌
Knowing exactly where every dollar is going... before it goes. 📊
Paying down debt strategically instead of randomly throwing money at it. 🎯
Feeling emotionally neutral around spending — no guilt, no panic, no shame. 🤍
Making money decisions from a place of peace, not pressure. 🧘♀️
✨ This isn’t just a budgeting course. This is full financial transformation — mindset, method, and money mastery.
✨ This is 12 weeks of 1:1 discussions and breakthroughs, just you and me.
✨ Only *2 private client spots* open up each month. If you’re ready to finally feel in control of your money, apply today.
The 12-week VIP coaching program for women ready to:
😌 Budget confidently
💳 Pay off debt
🛍️ Stop spending their emotions.
Get access to the proven method that helps women take control of their money and stress less about finances in their first 6 weeks.
Led by Dr. Halley Sutherland (the Zero-Judgment Budget Coach)
💸 Paid off $30K in debt post-divorce (with two little boys in tow)
📚 Over 15 years of teaching experience
🧠 YNAB Certified Budget Coach
📱 Trusted by over 50,000 women on TikTok
✅ Helped 5,000+ clients ditch the debt, ditch the shame & build real financial peace
🚩 Most budgeting programs teach restriction ("do without").
🚀 Mine teaches freedom.
🚩 Most coaching programs blame your lack of self-control.
🚀 Mine is a zero-judgment space that helps you unpack the real reasons you overspend.
🚩 Most "budgets" fail in the real world.
🚀 This one reflects your reality, giving you more clarity than ever before. It works for everyone, every single time.
| US | THEM |
| ✅ Zero-based budget method so you never spend more than you make | ❌ Cash envelope or paper budget systems that are time-consuming & impractical |
| ✅ Customized plan based on your actual expenses, habits & emotional triggers | ❌ One-size-fits-all advice that doesn't stick |
| ✅ Weekly 1:1 check-ins + Telegram (messaging app) support | ❌ Pre-recorded videos, some best guesses, and a prayer |
| ✅ Holistic healing to fix the root problem that causes debt | ❌ Bandaid fixes to simply make the numbers work on paper |
Summary: This isn’t some one-click download or a group chat lost in the crowd. It’s a high-touch, high-impact coaching experience designed to change your financial life — for good.
Hi, I’m Dr. Halley Sutherland, the Zero-Judgment Budget Coach.
After my divorce, I paid off $30,000 of debt as a single mom of two, working as a teacher.
I’m now a certified YNAB Budget Coach and have helped over 5,000 people learn to budget, stop overspending, heal their money trauma, and finally feel in control of their money.
⛔️ ...because I spent years stuck in the cycle of stress, shame, and shopping.
⛔️ ...because I thought budgeting meant restriction and deprivation.
⛔️ ...because I thought more money would fix my money problems.
I was wrong. 🫣
What I needed was a method. A mindset shift. And someone to help me through it. 🛟
Now, I am that someone for you. ✨
🪄 90-minute deep-dive to assess your finances, get clarity, and start building your personalized plan.
🪄 We create your zero-based budget + craft a custom debt-payoff strategy that fits your life.
🪄 We design your 12-month money plan and check in on your budget for accountability.
🪄 This is where we heal the root issue: your money trauma. Following my signature Money Trauma Framework, we’ll re-write your story and rewire the patterns to prevent future debt.
💎 2x weekly private support on Telegram + regular budget/debt plan check-ins.
You’ll also get:
🎉 6 Months of FREE enrollment in Club Zero (my group coaching community) 🎉
🎉 BONUS: 3 Months of YNAB access or 1 Year of The Zero Debt Budget System
🎉 BONUS: The Ultimate Sinking Funds Guide: 100+ Must-Have Savings Categories
Debt-free "future you" is gonna thank you. 🙌🏼
⏳ Good news: budgeting the right way takes less time than constantly trying to fix your finances the wrong way. We make this simple and doable.
🔁 Perfect. That means you’ll know just how different this one is. Zero-Based Budgeting is the ONLY method that guarantees you’re not accidentally creating more debt from overspending.
😟 Totally normal. But we do it together. No judgment. Just facts and a plan.
💬 They don't need to be as invested in the budgeting process for YOU to start budgeting and healing your money trauma. And often, they come around once they see your calm confidence (and how much you've saved!)
📱 Nope! You can use the Zero Debt Budget System if you prefer a spreadsheet. I’ll walk you through both options.
🛋️ Not exactly. But it will certainly FEEL like money therapy! We'll go deep into mindset and trauma-informed financial coaching.
📅 Click the button to submit an application form. I only accept 2 new clients each month, which enables me to work closely with each of them. If your application is accepted, you can secure the next available start date with a deposit.
🙋♀️ If you’re willing to show up, the answer is YES! I can't do the work FOR you, but I’ll be there with you every step of the way so that you can reach debt-free and stress-free so much sooner!
Dr. Halley Sutherland is not a certified financial planner/advisor and will not be giving financial "advice" in the formal sense of the term. You will not be learning how to invest. Ultimately, all financial choices and associated risks are your own. The goal of the program is for you to heal your relationship with money, learn to budget effectively, and pay off debt so that you HAVE extra money to invest (either DIY or with a financial planner). ❤️
This isn’t a $500 PDF and a group chat.
This is premium, high-touch, personalized coaching — designed to permanently change your relationship with money. ❤️
The investment for Money Made Simple is $2,999 or $529/month for 6 months.
And here’s some perspective on that:
💡 The average new YNAB (zero-based budget) user saves $600 in their first two months and $6,000 in their first year — and that’s without custom budget, debt pay-off, and money trauma coaching.
Paired with Dr. Halley's 1:1 Coaching?
💎 One client paid off $20,000 in 11 months
💎 Another paid off $13,900 in just 5 months
💎 Others break the "broke-until-payday" cycle in weeks.
Yes, results will vary. But the method works — and when you have coaching, accountability, and support?
Your financial transformation doesn’t just happen faster… it skyrockets. 🚀
If you’re ready to stop overspending, stop stressing, and finally feel in control of your finances — this is the best investment you can make. 🙌
Note: An approved application does not require you to enroll in the program.
If you have questions before applying, you can email [email protected] ❤️
✨ You want peace with money.
✨ You want to feel confident instead of panicked every time you check your account.
✨ You want to stop the impulse spending.
✨ You want to finally sleep through the night without debt stress haunting you.
✨ You want to feel proud of yourself.
✨ You want to know where your money’s going.
✨ You want to trust yourself again.
✨ You want your net worth going up, not down.
✨ You want to break this cycle for good.
That life? It’s closer than you think.
It starts the moment you decide you’re done doing this alone.
It starts when you apply for Money Made Simple.
Only 2 new client openings per month. (You can reserve your start date after your application has been accepted.) 📆
If you’re ready, let’s do this. 🤩
Submit YOUR application today for Money Made Simple. Debt-free "future you" is already cheering you on. 🎉
