THE GLOW UPmoney management + money mindset coaching

Saving for a home?

Paying off debt?

Planning maternity leave?

In just 12 weeks, you’ll go from guessing your next move to executing a custom financial strategy that finally aligns with your income, goals, and lifestyle.

Lisa is now making financial decisions with confidence.

  • She launched a new membership program with confident, values-led pricing and boundaries.

  • Moved from people-pleasing and financial fear to unapologetic decision-making around money.

  • Let go of a low-paying 1:1 client and upgraded another, stepping fully into CEO energy.

  • Addressed objections confidently, challenged client beliefs around money, and held the line on her pricing.

  • Implemented purposeful investing and saving strategies, leading to long-term peace of mind and clarity.

  • Built the financial self-trust to navigate big decisions, without guilt or second-guessing.

“The systems and tools you gave me are amazing, I feel so much peace of mind in the way I manage my finances now. I started investing, started saving, and for the first time, it’s not just about the amount, it’s about the purpose behind it. That shift, though it might sound small, has made a massive difference for me.”

“You didn’t just give me tools. You created an environment where I could make decisions for myself. I can now see how I make my financial decisions, and that’s powerful.”

Lisa – Multi-Passionate Mentor

You’ve got the income. Now let’s get the strategy to match.

Maybe you’re hitting£3k, £5k, or even £10k months, but it still feels like you’re guessing. Without systems or structure, your income isn’t building the life you actually want.

You’re still:

Manually moving money around with no real plan

Dipping into your tax pot or savings to "make it work"

Guessing how much you can pay yourself

Feeling behind even though you’re bringing in solid months

You don’t need another budgeting method, or even one that rhymes with Prophet Cursed. You need a strategy that actually supports your life goals, whether that’s saving for a house, paying off debt, or finally having a payday system that works.

The Glow Up is where we build that.

12 weeks.
One personalised financial plan.
No more playing it by ear.

Let’s turn your goals into a system that actually delivers.

We’ll work 1:1 to:

  • Audit your current income, expenses, and pay structure

  • Design a system using the Overflow Formula™ to stabilise your paydays

  • Map out a clear savings or debt strategy that feels realistic, not rigid

  • Align your financial plan with real-life milestones (homeownership, maternity, etc.)

  • Create a custom money dashboard that gives you clarity and control

And yes, we’ll do the mindset work that matters.

👉 Let’s make my income feel like wealth.

Josie went from “what’s the point?” to fully-funded confidence

  • Built a fully funded emergency fund, after struggling to make savings last

  • Replaced shame with self-awareness and compassion around spending habits

  • Shifted from a cycle of “why bother?” to purpose-led saving and planning

  • Started planning long-term, including her house deposit and pension

  • Experienced a full money mindset reset rooted in understanding, not restriction

  • Felt a light at the end of the tunnel for the first time in years, and finally feels optimistic about her future

“Without sounding like a cliché, working with Emilie has been eye-opening, and I reckon life-changing! When we first started, I had no savings. Any I tried to start got pulled out between paydays. Now I have a fully funded emergency fund, I understand that my pension isn’t some scary thing I can’t afford, and I’m on my way toward a house deposit!

I always felt like I was bad with money, but I’ve learned that my decisions run deep, and they make sense when you understand the emotions behind them. No doubt in my mind: it’s worth your time.”

“The deeper understanding of how money and emotions are tied together has been so helpful. Spending money isn’t a failure, it’s information. Now that I know how to work with my mind instead of against it, saving has actually started to stick.”

Josie – Franchise Owner

Now picture this…

12 weeks from now, you’ve built a personalised financial system that supports your actual goals, not just your business expenses.

You’re paying yourself a proper salary, not just scraping by on what’s left

Your Breathing Fund is fully funded, and you’ve mapped out your next big financial move (maternity leave, mortgage, or money milestones).

You’ve got a system that aligns your business income with your lifestyle needs... no more financial firefighting.

You’re making intentional decisions about spending, saving, and investing — without guilt, panic, or second-guessing.

You finally trust your numbers, your system, and yourself. And you know exactly what to do next to grow your wealth, on your terms.

Liv went from paycheck chaos + “treat now, panic later” to calm, confident cash flow and goals she actually believes in

  • Swapped the “spend now, stress later” cycle for a calm, consistent budget that supports fun and freedom

  • Learned to work with irregular income, separating big and small commission months with confidence

  • Created multiple savings accounts with actual goals, something she’d never had before

  • Built financial independence and no longer feels ashamed of needing help

  • Stopped dreading the end of the month, and started feeling excited about her financial future

  • Shifted her mindset from “I’m bad with money” to “I’m building something bigger”

“The best thing about working with Emilie is how supported I’ve felt the whole way. She’s not just a financial expert, she cares. She reminded me I’m not bad with money. I just needed a structure that actually fits me.

I’ve gone from paycheck panic and borrowing from my dad… to consistent saving, confident spending, and actually thinking long-term. I’ve got goals now that I never would’ve set for myself a few months ago, and I’m not desperate for payday anymore. That’s huge.”

“I used to live big for two weeks, then suffer through the next two, constantly stressed and stuck in overdraft loops. Now I think about future me. I’ve got purpose, structure, and the freedom to have fun without blowing up my finances.”

Liv 

THE PROCESS

Let me introduce you to my L.I.F.E framework

A 4-part approach to help you turn cashflow into long-term financial confidence, security, and overflow.

Lead with Profit

You’re not here for spreadsheet shame or cookie-cutter budgets. You’re here for clarity.

We’ll start by mapping your business income, expenses, and owner’s pay in a way that makes sense for your lifestyle and goals.

You’ll finally understand exactly how much you can afford to pay yourself, when, and what to do when income fluctuates, without the mental load of winging it every month.

You’ll walk away with a simple, sustainable financial system that gives you clarity and control, so you’re not just busy, you’re profitable.

Intentional Spending

Let’s ditch the “guilt vs. YOLO” cycle for good.

This isn’t about cutting back. It’s about spending in alignment with your actual priorities, without fear, shame, or chaos.

You’ll learn how to separate business vs. personal spending, set joyful limits that work for you, and finally say yes to things like soft play, M&S picky bits, or a spontaneous long weekend without checking your bank first.

Because you didn’t start a business to feel broke every time you want to buy a Zara dress.

Fund Your Future

Overflow isn’t optional. It’s the goal.

We’ll set up savings systems to help you clear debt, build a breathing fund, and start stacking cash for the big things, maternity leave, dream renovations, spontaneous travel, or that future investment property.

This is where you shift from financial fire-fighting to real financial leadership.

No more “I’ll save when I earn more.” You’ll start now, with what you have, in a way that builds.

Elevate Your Habits

Because knowing what to do isn’t the same as actually doing it.

This is where we dig into the patterns that keep you stuck, like emotional spending, avoidance, shame spirals, or burnout-induced financial chaos.

You’ll get personalised tools, accountability check-ins, and rituals that feel supportive, not stressful.

We’ll rebuild the way you relate to money, so you’re not just paying bills, you’re building wealth.

👉 I want a money plan that actually fits my lifestyle goals.

Meet your financial bestie 🌊✨

Hey, I’m Emilie, your go-to financial strategist if your income looks great on paper but still leaves you wondering, “Where the hell did it all go?”

I help online business owners turn unpredictable income into calm, confident financial strategy, so you can actually enjoy the life you’re working so hard to build.

I’m a qualified financial advisor (DipFA), Certified Trauma of Money™ Practitioner, and someone who’s lived through money chaos and come out the other side. This isn’t just theory, it’s lived experience, backed by receipts and real strategy.

You don’t need another budgeting app or shame-soaked spreadsheet. You need a clear plan that tells your income exactly what to do, and supports your lifestyle while you’re at it. That’s what we do inside The Glow Up.

This is about more than “feeling good” about your money. It’s about making confident decisions, hitting financial goals, and using your income to fund the life you actually want.

If you’re done with stressy spreadsheets and guessing games, I’m your girl. Let’s build you a financial system that feels solid, strategic, and actually works.

Claire went from from debt shame + deprivation to confident saving and joyful spending

  • Swapped shame and sacrifice for empowerment and enjoyment

  • Created her first-ever breathing fund and built multiple savings accounts

  • Learned to spend with intention, on things that bring joy (like concerts, PT sessions, and her nails 💅🏻)

  • Has paid off debt at a sustainable pace, no more burnout budgeting

  • Tackled emotional overspending on food with tools and awareness

  • Replaced her inner critic with clarity and compassion.

“Working with Emilie has been life-changing. I was hesitant to hire a money coach because I assumed I’d be told to stop spending, cut everything fun, and live off rice and resentment, but Emilie couldn’t have been more different.

She helped me build savings and start spending on things that actually bring me joy, all while continuing to pay off debt at a steady, manageable pace. I now have a breathing fund, a better handle on my food spending, and most importantly, a whole new relationship with money. This has been the best financial decision I’ve ever made.”

“I used to believe I was bad with money. That I just wasn’t someone who could be trusted to handle it. But Emilie showed me I wasn’t broken — I was just never taught the right tools. And now? I feel confident, in control, and finally able to enjoy my money without guilt.”

Claire 

How it works

Let's have a chat and see if we're a VIBE 🤟🏻

If we’re going to down and dirty in your finances together, we need to make sure we’re the perfect fit.

This is a quick 15-20 minute consultation call to help me understand what you need, see if The Glow Up feels right, and answer any questions you have.

There will be no expectation to decide on the call. And, I will follow up a few days later to confirm whether or not you wish to continue at this time.

This is purely from a capacity perspective!

Master your money 💪🏻

Your strategy begins. We’ll map out your financial goals, numbers, and lifestyle priorities in a 60-minute onboarding strategy call, so we know exactly what we’re building.

You get your personalised roadmap. Built for your life and business, your plan includes tailored strategies for pay, saving, and financial goal-mapping.

We build systems together. Every other week, we’ll meet 1:1 to implement the plan. You’ll also have async Slack support for questions, reviews, and strategy tweaks.

You finish with clarity and momentum. Our final debrief includes a 12-month action plan so you know exactly what to do next.

Emma went from avoidance + impulsive spending to mindful money moves and a debt-free plan that actually excites her

  • Moved from avoidance + overspending to intentional financial habits

  • Stopped going further into debt, and created a realistic debt freedom plan

  • Felt immediate quick wins while building long-term momentum

  • Developed a new mindset around spending: no more guilt, just conscious choices

  • Gained clarity, control, and a new sense of excitement about her financial future

  • Finally feels empowered to face her finances head-on, no shame, no hiding

“Working with Emilie has completely changed my financial outlook and relationship with money. I feel so much more in control of my spending and I’m excited about my journey to pay off my debt and become debt free.

If you’re considering working with her, do it. The initial investment has already paid for itself in what I’ve stopped spending unnecessarily. Total game changer.”

“If it wasn’t for working with you, I’d still be digging a deeper hole with no plan to get out. Now I haven’t gone any further into debt, and I finally feel in control. I spend more mindfully, without the guilt spiral, and I can actually see a future without debt.”

Emma 

Frequently Asked Question

What if I don’t have a “big” financial goal yet?

You don’t need to walk in with a five-year wealth plan. Maybe you just want to finally feel like your income isn’t disappearing. Inside The Glow Up, we’ll figure out what matters most to you, then build a financial system around it. Whether it’s consistent paydays, a £10k savings buffer, or finally taking a month off, we make the abstract actionable.

I’m making decent money… shouldn’t I have figured this out by now?

You’re not behind, you’ve just never been taught how to build personal financial systems that match business income. This isn’t about being “bad with money.” It’s about turning cashflow into strategy, and making your money support your life, not just your business growth.

My question isn't here!

No stress, just pop me an email:
hello@emilienutley.co.uk

I’m already busy, how much time will this actually take?

You’re not here for a course. You’re here for a plan. This is intentionally built to be doable inside a busy business-owner life. Expect bi-weekly 60-minute calls, plus 30–60 mins max between calls to implement, review, or message me on Slack. 

What if I want more support after the 12 weeks?

You’ll leave with a full financial roadmap for the next 12 months, but if you want continued support, I offer one-off intensives or retainer-level financial strategy through Rich Bitch CEO. The Glow Up is your sprint, but it can absolutely be a springboard into deeper long-term strategy.

I’ve worked on money mindset before… is this just more of the same?

Nope. This is strategy-first. We will absolutely dismantle the beliefs and habits that keep you stuck in scarcity cycles or inconsistency, but the core of this container is financial structure, planning, and decision-making. If you’re looking for something more practical than journaling or affirmations, you’re in the right place.

Read more client results

Laura went from budget burnout + financial self-doubt to clarity, confidence, and goals that finally feel achievable

  • Ditched the all-or-nothing budgeting loop for a balanced system that fits her real life

  • Introduced a clear money management structure, making decisions feel calm and confident, not chaotic

  • Reduced the emotional and mental load of managing finances, no more hours of monthly spreadsheet stress

  • Negotiated a lower interest rate on her debt by rewriting the shame narrative around her situation

  • Started contributing to multiple savings pots without sacrificing her lifestyle

  • Developed a daily journaling practice that’s helped her reflect, reset, and rewire her habits

  • Reframed her beliefs around money, from restriction and guilt to mindfulness and possibility

“Working with Emilie has been one of the best decisions I’ve ever made. I’m someone who manages complex projects at work, but when it came to my finances, I was tangled in stress and stuck in a loop of extremes.

I’d swing from spending nothing and feeling miserable to spending everything and having nothing left. I believed that saving required sacrifice, and that my debt meant I couldn’t dream big. But that wasn’t true, it was just a story I’d absorbed.

Now? I have structure, purpose, and savings. Even while paying more toward debt and multiple savings pots… I actually feel like I have more money available. It’s wild, and it’s completely changed how I feel about my future.”

“Despite my initial hesitation to spend money on coaching, it’s been worth every penny. I feel calm, capable, and genuinely empowered to make decisions that align with what I want, not just what I think I ‘should’ be doing.”

Laura

Dee went from spiralling in shame and overwhelm to a reset, a plan, and a whole new level of self-trust

  • Replaced overwhelm, shame, and self-doubt with grounded clarity and confidence

  • Developed a simple, doable financial strategy that actually fits her life

  • Rewired unhelpful money beliefs and built emotional resilience around past decisions

  • Learned to see her finances through the lens of progress, not perfection

  • No longer feels “at the mercy” of poor habits, she’s back in the driver’s seat

  • Experienced the power of safe, supportive coaching, where mindset meets strategy

“Emilie is a brilliant coach, empathetic, practical, and solution-oriented. She quickly understood that I needed to shift my mindset and let go of limiting beliefs before I could make any real changes.

She helped me reframe my experiences as opportunities to learn from, rather than sources of shame. Emilie created a safe space for me to share, brainstorm, and celebrate every little win along the way. I couldn’t recommend her highly enough if you’re looking for extra support. Thank you, Emilie!”

“Before we worked together, I felt lost, overwhelmed, and like a failure. Now? I feel like I’ve had a reset. I have a grip on my situation, a path forward, and a deep knowing that I’m not broken, I’m just learning. And I’m absolutely capable.”

Dee

Michelle went from dipping into savings on repeat to structured budgeting, guilt-free spending, and long-term planning she’s proud of

  • Broke the cycle of saving then sabotaging with a structure that actually sticks

  • Built out a multiple account system, savings, breathing fund, fun money, and more

  • Increased her pension contributions and started planning for the future

  • Learned that saving doesn’t have to mean sacrifice, joy is part of the plan now

  • Created sustainable spending habits that feel good and actually last

  • Went from overwhelmed to organised, with a money system that runs smoothly in the background

“Since working with Emilie, I can finally enjoy spending my money, without the guilt of not saving every last penny. I have a better understanding of where my money needs to go and what purpose it actually serves.

I’ve opened separate accounts, created a system that works, and now my finances feel simple and doable. Game changer.”

“Before, I was stuck in a loop, trying to save but constantly dipping back in. I felt like I had to save everything, so I’d end up sabotaging it just to get my hair done. Now I plan for joy. I set aside fun money each month, and I’m still saving more than ever. That balance? It’s everything.”

Michelle

Harriet went from chaotic finances + scarcity beliefs to an organised system, calmer mind, and confidence to plan for the future

  • Replaced scarcity-driven chaos with a calm, structured financial system

  • Feels confident and organised in her personal finances, with clarity on income, outgoings, and joyful spending

  • Gained the tools and guidance to plan ahead without guilt or dread

  • Developed a clear goal for her business finances, including building a breathing fund, paying herself consistently, and contributing to her pension

  • Benefited from custom advice, ongoing support, and the community aspect of group coaching

  • Finally feels like she’s working with her money, not just reacting to it

“Working with Emilie is one of the best investments I’ve ever made for my business. She’s given me so many invaluable tips about managing money that I was never taught, and now, even with inconsistent income, I feel so much more organised and confident.

If you’re thinking about working with Emilie, just go for it. Truly.”

“Before we started, my finances felt chaotic, unpredictable, and stressful. I believed I was bad with money, but now I know I just hadn’t been taught how to manage it. With Emilie’s support, I’ve got a system that works, and a mindset that no longer defaults to fear.”

Harriet – Psychotherapist

This is your turning point.

If you’re ready to stop watching your income fly in and out with nothing to show for it, this is the moment to change that.

Let’s build the financial strategy that finally matches your ambition. Let’s create systems that support your next big move. Let’s make your income mean something beyond the next Stripe notification.

I’M READY FOR THE CHANGE ➡️ Just Sign Me Up, Baby!