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Personal Growth: money psychology, goals and habits
Concrete tools for money, goals and habits — with no hype, no promises of millions and no «visualizing wealth».
- Format
- Online, 2–3 h a week
- Duration
- 6 weeks
- Program
- 4 blocks, 17 lessons
- Access to the materials
- Lifetime
The workbooks are yours to keep
Six questions and you will know which block to start with
Your answers are not sent anywhere — the result is calculated in your browser. This is not a diagnosis, just a way to see where your weak spot is right now.
Do you have an emergency fund?
Do you know where last month's money went?
Is it easy for you to name a price for your work?
What usually happens to your goals?
How long does a new habit last for you?
How do you feel when you think about money?
Four blocks — from money psychology to a habit system that actually holds
Every block comes with a workbook and practical assignments based on your own situation.
B1Money psychology5 lessons
Beliefs, fears and where your attitude to money comes from. We work through what stops you earning more, long before any spreadsheets and budgets.
- Where beliefs about money come from
- The fear of naming a price: where it comes from and how to work with it
- Impostor syndrome and how it affects your income
- Psychological exercises for changing beliefs
What you end up with
The beliefs that kept your prices down, unpacked
B2A money system for irregular income4 lessonsreserves
Planning, reserves and investing small amounts. No «set aside 20% of your salary» — the system is built for income that jumps around.
- How to plan your finances when income fluctuates
- The envelope system: a minimum plan and a realistic one
- How to build an emergency fund on any income
- First investments: where to put small amounts
What you end up with
A plan for a three-to-six-month emergency fund
B3Goals without self-deception4 lessonssteps and tracking
How to set goals, break them into steps and not abandon them. We look at why a goal dies after two weeks and what to do about it.
- Why 90% of goals are never met
- A method for setting realistic goals
- Breaking a goal into steps: from the big picture to daily actions
- How not to drop a goal after two weeks: tracking and reviews
What you end up with
Goals broken into steps, with a review system
B4Habits4 lessonswithout willpower
Atomic habits, trackers and minimal systems. Building them without forcing yourself through gruelling challenges — and a plan for bad days.
- How the habit loop works
- The atomic habits method: minimum entry
- Trackers: which to choose and how to use them
- How to keep habits going on bad days
What you end up with
Habits that last longer than two weeks
The program does not replace a specialist — and we say so plainly
What the program works on
- The income is there, but by month end nothing is left
- Naming a price is daunting, raising it even more so
- Goals get set and dropped a couple of weeks later
- Habits never stick — it is always «starting Monday»
- Irregular income and anxiety at the end of the month
- I have never had an emergency fund
How the program works
We do not start with spreadsheets but with beliefs: the first block is about where your relationship with money comes from and why naming a price feels hard.
Only then do we build the financial system, the goals and the habits. The other way round does not work: the system falls apart and people conclude that they are the problem.
When you need a specialist, not a program
If money anxiety lasts for weeks, keeps you from sleeping or turns into physical symptoms, that is a matter for a doctor or a therapist, not for a workbook.
We will say so plainly and will not sell the program to someone who needs a different kind of help right now.
Different situations, different bottlenecks
For people who want to sort out money and habits — honestly, with no magic.
Irregular income and anxiety at the end of the month
The envelope system: a minimum plan and a realistic one for fluctuating income
A three-to-six-month cushion, for the first time
Naming a price is awkward; raising it, more so
Working through beliefs and the psychology of pricing
Raising prices without inner conflict or guilt
Even in a good month the money disappears somewhere
Planning for irregular income, and your first investments
The reserve grows even in weak months
Goals get set and dropped a couple of weeks later
Breaking a goal into steps — from the big picture to daily actions
A goal that survives to the result, not just to February
Habits do not stick; it all runs on willpower
The atomic habits method: minimum entry instead of a marathon
Habits hold even on bad days
Motivation runs out after a week
Tracking and regular reviews instead of relying on how you feel
The system runs without motivational kicks
The money is there, and by month end it is gone
Category tracking and a minimum monthly plan
You can see where it goes — and something is left over
Saving has never once worked out
An emergency fund on any income — step by step
A three-to-six-month reserve instead of nothing
Spare money just sits there
First investments: where to put small amounts
The money works instead of just sitting there
Practical tools that work even when your income is irregular
Unpacking your beliefs
The beliefs that keep you from earning more — and how to work with them
A money system
Envelopes, reserves and a minimum plan for fluctuating income
Goals that actually get done
Broken into concrete steps, rather than «I want to earn more»
Habits without willpower
Minimal systems — no self-punishment, no gruelling challenges
Emergency fund
A three-to-six-month reserve — a concrete plan for your level of income
Raising prices without guilt
The psychology of pricing — and raising your rates without inner conflict
Concrete changes — with no promises of millions
«I built an emergency fund for the first time. Three months of income in reserve — I could not imagine that was possible on what I earn.»
«I stopped ‘starting on Monday'. Four months on, all the habits are holding. The key was the minimum-entry method from block four.»
«I raised my prices by half after the money psychology module. Without guilt — that was the biggest discovery of the program.»
Taught by a business owner with tools from real practice
Built a business from nothing — went through unstable income, the fear of naming a price, and the work of building financial systems. Shares the tools that hold up in real life.
Sergey DidenkoFrom a mini-course to the full program with a personal mentor
The program is the same on every plan — what differs is the depth of support.
Starter
Mini-course: work through it at your own pace and apply it right away.
- All four video blocks, 17 lessons
- Workbooks for every block
- Lifetime access to the materials
Full program
Live sessions and the cohort community.
- Everything in the «Starter» plan
- Live sessions
- The cohort community
- Real participant situations, worked through
Maximum
With a mentor: feedback on your own situation.
- Everything in the «Full program» plan
- A personal mentor for six weeks
- Feedback on your own situation
- A review of your own financial plan
Get in touch — we will suggest a plan and answer your questions
- We will be in touch within 24 hours
- We will suggest which plan suits your situation
- The workbooks are yours to keep
- Access to the materials never expires
Enquiry sent
We will be in touch within 24 hours to suggest a plan and answer your questions.
What people ask before starting
Is this a finance program or a psychology one?
The psychology comes through practising the financial tools. We work on beliefs and change behaviour, not just teach budgeting.
Does this work for freelancers with irregular income?
Yes, that is exactly what it is built for. The money block is designed around irregular income — no «set aside 20% of your salary».
Are there promises of millions here?
No. Only concrete tools, workbooks and practical assignments. No «visualizing wealth» and no promises to double your income in a month.
How long does the program run?
Six weeks at two to three hours a week. Access to the materials never expires.
Do I need savings to start?
No. One of the core blocks is how to build an emergency fund from zero, on any level of income. We start from where you actually are.
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