Financial coaching

Hello, I am René

With a passion for financial independence and smart money management, I help individuals take control of their finances. My background in financial coaching, data analysis, and strategic planning enables me to provide practical, results-driven advice. Whether you’re looking to get out of debt, save for the future, or make better financial decisions, I offer the tools and insights to help you succeed.

My secrets:

Save Today, Spend Tomorrow

The foundation of financial success lies in mindful spending and saving. Money that remains unspent today becomes an asset for tomorrow, but borrowing from the future can create financial instability.

Choose or reduce

At the heart of this approach is choosing or reducing—choosing whether a purchase is truly necessary or finding a smarter, more cost-effective alternative. With this mindset, financial freedom isn’t about restriction; it’s about making better choices with what you have.

Track to Transform

With consistent tracking, noting, and reflecting on your spending, you begin to see patterns—and power. Awareness is the first step to change. By knowing exactly where your money goes, you create space to pause, adjust, and align your choices with your goals. Tracking isn’t about control; it’s about clarity. And clarity leads to confidence

How It Works

We work with a proven, data-based method to grow your wealth and reach your goals. Let me guide you through every step—clear, practical, and tailored to your life.

1. Budget Smarter, Not Harder

A budget isn’t about saying “no” to everything—it’s about prioritizing. I help you create a Daily Budget that balances necessities with financial goals, so you:
✔ Avoid unnecessary expenses.
✔ Reduce financial stress.
✔ Build a financial cushion for emergencies and opportunities.

2. Track Every Penny You Spend

Before you can take control of your finances, you need to know where your money goes. Our Expense Tracker helps you monitor:
✔ Cash Transactions – Everyday spending in cash.
✔ Bank Transactions – Digital payments, bills, and transfers.

With better awareness, you can start optimizing your spending.

3. Balance Income & Fixed Expenses

Understanding your financial flow is key. Together, we analyze:
✔ Income – Salary, business revenue, side hustles, and passive income.
✔ Fixed Expenses – Rent, utilities, insurance, subscriptions, and recurring costs.

By ensuring a healthy balance, you can set aside more for savings and investments.

4. Plan for the Future: Short-Term & Long-Term

Good financial health isn’t just about today—it’s about where you’ll be in one, five, or ten years.

We focus on:
✔ Monthly Financial Overview – Assets, debts, and overall financial standing.
✔ Yearly Planning & Projections – Setting realistic financial goals and tracking progress.
✔ Multi-Year Planning & Investments – Developing a strategy for long-term financial security.

5. Build Wealth & Secure Your Future

With the right foundation in place, we work toward:
✔ Creating a sustainable savings plan.
✔ Exploring smart investment opportunities.
✔ Developing strategies for long-term financial independence.

Who Is This Coaching For?

✔ Individuals who want to break free from financial stress and gain control over their money.
✔ Those looking to save more and plan better for the future.
✔ People preparing for major life events—buying a home, traveling, starting a family, or retirement.
✔ Business owners and freelancers who need financial stability and long-term planning.

No matter your financial situation, my coaching is tailored to your needs.

📊 Personalized Dashboards: See Exactly Where Your Money Goes

Tracking is only useful if you can see what it tells you. That’s why I built my own dashboard: one place that shows every euro, across bank accounts, credit cards, PayPal, Revolut, Wise and cash in several currencies. I’ve used it for years while living and working between Europe and Asia.

Now I can build one for you.

Your accounts, your currencies, your categories, set up around how you live: at home, abroad, or somewhere in between.

What you get:

✔ A simple workbook where you enter your income and expenses in a few minutes a week
✔ Your own dashboard that turns those numbers into clear charts: no formulas, no spreadsheets to fight with
✔ Net worth over time: watch your savings grow (or see where they leak)
✔ Spending per month and per category: groceries, fixed costs, travel, eating out
✔ Cost per day abroad: what a month in Thailand or a season away really costs you
✔ Work vs. living: how many months of living one month of work pays for
✔ Privacy first: your file stays on your own device; nothing is uploaded

How it works:

  1. Free intake call: we look at your accounts, currencies and what you want to know.
  2. I build it: a workbook and dashboard tailored to you.
  3. Walkthrough: I show you how to keep it up, step by step.
  4. Support: I stay available while you get the hang of it.

Perfect for:

✔ Digital nomads and long-term travellers
✔ Freelancers and seasonal workers with irregular income
✔ Anyone with money spread over several accounts or currencies
✔ People who want clarity without becoming a spreadsheet expert

Combine it with coaching and you get the best of both: the dashboard shows what is happening, the coaching helps you decide what to do about it.

👉 Curious what it looks like? Try the demo dashboard with sample data, or read how I track my money across multiple accounts, currencies and countries. Don’t get overwhelmed by that article, I will explain you everything step by step and remain available for support.

📅 Book a free consultation and ask about your personalized dashboard.

Why Work With Me?

I don’t just focus on numbers—I focus on you. My holistic approach ensures that financial strategies align with your lifestyle and aspirations. Through personalized coaching, you’ll gain not just financial stability but also the confidence to manage money wisely for years to come.

Ready for it?

Financial freedom doesn’t come from quick fixes—it comes from within. You need discipline to stay consistent, even when it’s tempting to veer off track. You need desire—a clear reason why you want change, something that pulls you forward. And you need motivation, the spark that gets you started and the mindset that keeps you going. With these three, anything is possible. The rest, we’ll build together.

Start Your Journey Today

📅 Book a Free Consultation – Let’s discuss your financial goals and create a customized plan.

📩 Get in Touch – Have questions? I’m here to help you build a solid financial future.

🔹 Schedule Your Free Consultation Now 🔹Use one of the social media icons to contact me!

Your financial freedom starts with the right decisions today. Let’s make them together.

Working with René changed the way I think about money. His method is simple, but powerful. I used to feel overwhelmed by my finances—now I feel in control. Tracking my expenses, choosing more consciously, and sticking to my daily budget has helped me save more than I thought possible. And René is there every step of the way to support. – Malu S.