Build financial clarity, confidence, and habits that actually work in real life.

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Without shame.
Without financial guilt.
Without trying to become someone you’re not.

YOUR MONEY, YOUR TERMS

A 4-week program for women who are tired of knowing what to do with money… but struggling to actually follow through consistently.

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Starts May 26 • Limited to 10–12 women • Payment plan available

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    • You’ve worked hard.

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    You’ve built a career, maybe a business, a life.

    You’re capable and responsible.

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    And yet, when it comes to money, something still doesn’t feel settled:

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    • You open your banking app and immediately feel stress in your body.
    • You avoid looking too closely because you’re afraid of what you’ll find.
    • You spend impulsively and regret it later, or enjoy spending but feel anxious afterward.
    • You promise yourself “this month will be different” and somehow end up in the same patterns again.
    • You know what you “should” do… but can’t seem to stay consistent long enough for it to change your life the way you want it.

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    The hardest part?

    You handle responsibilities.
    You solve problems.
    People probably see you as someone who has things together.

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    Still, this part of your life feels deeply frustrating.

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    Because you keep thinking:

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    💭“Why does this still feel so hard for me?”

    💭 “Why can’t I just get it together?”

    💭 “Why do I keep repeating the same patterns?”

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    And after a while, you stop feeling bad only about money.

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    You start DOUBTING YOURSELF.

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    You are not alone.

    You’ve done all the “right” things and still feel stuck.

    There is nothing “wrong” with you.

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    Most women already know what they should do with money:

    • save more
    • spend less emotionally
    • invest
    • plan ahead
    • be more disciplined

    And yet many still feel:

    • stressed
    • inconsistent
    • avoidant
    • guilty, or
    • overwhelmed

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    Why financial advice often doesn’t stick

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    Because financial well-being is not only practical.

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    Money touches habits, emotions, self-worth, self-trust, lifestyle, values, priorities, and the way we cope with stress, uncertainty, pressure, or even success.

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    Most of us learned how to count money.
    Very few of us learned how to manage it when:

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    • life gets busy
    • emotions take over
    • fear, guilt, avoidance, or impulsivity enter the picture
    • we are trying to balance enjoying life today with building security for tomorrow

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    That’s why knowing what to do is often not the difficult part.

    The difficult part is:

    • following through consistently.
    • creating habits that actually stick.
    • making calmer decisions.
    • feeling more in control of your money instead of emotionally reacting to it.

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    What would change if managing money no longer felt like something you constantly had to “fix” about yourself?

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    What if you could finally create a money system that works in your actual life, not only in theory?

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    🌸 If you’re ready to stop feeling anxious about money and start feeling calm, confident, and in control, this is for you.​
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    Your Money, Your Terms​
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    A 4-week program for women who are tired of knowing what to do with money… but struggling to actually make it work consistently in real life.

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    Your Money, Your Terms is a guided, practical program designed to help you move from financial stress, avoidance, inconsistency, or guilt to feeling calmer, clearer, and more confident and in control of your money.

    • Without shame.
    • Without pressure.
    • And without sacrificing your lifestyle or joy.
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    Inside the program, you’ll explore:

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    • Emotional and behavior awareness

    Recognize the emotional triggers, habits, beliefs, and coping patterns influencing your money decisions behind the scenes.

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    • Financial clarity & structure

    Understand where your money actually goes, organize your money more intentionally, aligned to your values, goals and priorities without restriction and guilt, and create a system that supports your real life.​
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    • Sustainable habits & practical action

    Turn financial knowledge into realistic and practical action steps and routines, calmer decisions, and long-term behaviors that actually stick.

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    🧠Why it works​
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    Most financial programs teach information: budgets, investments, strategies, rules, or apps.
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    This one focuses on YOU.

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    Financial change is not only practical. It’s emotional, behavioral, psychological.

    And unless those layers are addressed too, the strategy, not matter how good, rarely sticks.

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    So,

    • Your Money, Your Terms starts with your values, emotions, and mindset, because your beliefs shape your behaviors.
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    • Then it adds structure, planning, and tools, because awareness without action doesn’t create change.​
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    • It’s the missing link between knowing what to do and actually doing it.

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    In just 4 weeks, you’ll gain:

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    ✔ A holistic approach: mindset + money + behavior

    ✔ Financial tools made simple and realistic

    ✔ Emotional awareness and practical accountability

    ✔ A judgment-free environment with real support created with input from real women with real challenges

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    What Your Money, Your Terms is NOT

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    This is not:

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    • a budgeting boot-camp
    • a shame-based money challenge
    • a “get rich quick” course
    • a manifestation or abundance program
    • financial advice filled with complicated jargon

    And it’s not about perfection either.

    You will not leave this program with a perfectly color-coded life.

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    You will leave with:

    • more clarity
    • more awareness
    • more confidence
    • better habits
    • practical tools
    • and a calmer, healthier way of managing your money.

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    Why this matters more than ever

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    We are living through a period of:

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    • economic uncertainty
    • layoffs
    • rising costs
    • pressure to “keep up”
    • constant comparison online

    And many women are carrying financial stress quietly, while appearing “fine” on the outside.

    Financial well-being is no longer a luxury. It’s emotional stability. It’s freedom, choice and resilience.

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    What makes this program different

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    Real women. Real stories. Real-life change.

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    This program was shaped with a group of intelligent, thoughtful women (Ioana D, Iulia, Cecilia, Huma, Diana, Flavia, Ioana M, Andrea) - professionals, entrepreneurs, and leaders - who openly shared their real experiences around money.
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    Together, we explored what actually makes financial change sustainable in real life:

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    • emotional awareness
    • clarity on how they want their life to look like
    • practical financial structure & system
    • honest conversations
    • and habits that people can realistically maintain long-term.

    That is what Your Money, Your Terms was built around.

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    Here’s what they discovered 👇

    “This program felt like 4 weeks of therapy for my relationship with money. It gave me clarity, helped me see my unhealthy beliefs, and gave me the means to rewrite them. I now feel grounded, aware, and connected to my values.” — Iulia S.
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    “It’s motivational, kind, and practical. I had so many a-ha moments. Andreea helped us look at ourselves with self-love, not judgment. She holds your hand the whole way.” — Flavia C.
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    “I finally understood my money story and left with clarity and the tools to achieve my financial goals. This changed my perspective entirely.” — Huma R.

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    📆The 4-Week Journey

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    Week 1: Awareness - Where Are You Now?

    • Gentle exploration of your relationship with money
    • Reflect on beliefs, emotions, family money stories, and past experiences
    • Observe your numbers without judgment or shame - safe, supportive, and honest
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    Week 2: Clarity - What Do You Want & Why?

    • Define goals that truly fit your values, priorities and vision of your life, on your own terms. Define what financial well-being and success actually mean to you
    • Connect with your “why” to ensure goals are meaningful and sustainable
    • Build motivation that lasts, no “shoulds,” only what truly matters to you, only authentic, real-life goals
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    Week 3: Planning - A Simple, Sustainable Action Plan

    • Build a money system that fits your real life
    • Align your tracking, saving, and spending with your goals
    • Build small, actionable steps for long-term success
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    Week 4: Momentum & Mindset - Keep Going, Gently

    • Identify challenges, emotional and practical saboteurs
    • Build emotional and financial resilience
    • Celebrate progress, not perfection

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    💼Who it's for

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    This program is for women who:

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    • Feel shame or fear around money
    • Feel stuck, impulsive, or guilty about money
    • Want to understand their financial behaviors and habits, gain confidence and control over their money, and take intentional action to improve their money management and relationship with money
    • Feel overwhelmed by money — they don’t know where to start or how to get organized
    • Struggle to stick to a budget or plan, even though they try different tools or methods
    • Juggle income and expenses that never seem to align, no matter how much they cut back
    • Want to save and invest but can’t build consistency, often dipping into savings
    • Carry debt and feel weighed down by repayments
    • Feel that money is never enough, no matter how much they earn
    • Avoid money conversations or checking their accounts out of shame, guilt, or fear of judgment
    • Want to enjoy life and invest in themselves, but also build security for the future — and don’t know how to balance both
    • Are tired of short-term fixes and want a system rooted in their values, goals, and habits

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    Hi, I’m Andreea!

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    During my 17+ years in financial audit, controlling, and consulting, I realized that numbers and strategies alone don’t work, they don’t make you financially well, not unless you do the inner work too.

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    So today I combine my financial expertise with transformational coaching, counseling and behavioral insights to help women rebuild their relationship with money in a kind, practical, and sustainable way.

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    I’ve helped professionals, couples, teams and entrepreneurs alike rebuild their relationship with money through clarity, mindset, and action.
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    My mission: to make financial confidence accessible, kind, and sustainable.​
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    💬A note from me

    “Your Money, Your Terms was built with and for women who want to stop living by other people’s financial rules. This is a space to rediscover your self-confidence, rewrite your money story, and create a system that fits your real life - on your terms - not a spreadsheet ideal.”

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    Why Join Your Money, Your Terms

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    You may want to join because:

    • You’re tired of feeling like money slips through your fingers
    • You want peace of mind, not more spreadsheets
    • You’re ready to stop figuring it out alone
    • You're done listening to that inner critic that doesn't stop saying "you're not enough"

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    What participants say

    "I recommend this program to anyone who wants to gain clarity regarding their finances - from emotional clarity (like what exactly are the limiting beliefs that determine our relationship with money and how we can re-frame them) to clarity in actions (what are the next steps we should take to achieve our goals). You can see from the workbook and the many videos how much work and passion Andreea has put into building it, but besides this the program is very motivational and extremely kind. Andreea encourages and helps us to look at ourselves with very much kindness and self-love, which for me came as an extremely pleasant surprise. She is very supportive and you can feel how she holds your hand all the way. I had many a-ha moments and great revelations during this program and I am grateful for being a part of it." — Flavia C.
    "Andreea is an enthusiast and caring coach who systematically guided me during the program - giving me a better understanding of my ‘money story’ and how to handle finances effectively. She helped me change my perspective and my relationship with money and I left with clarity as well as the tools needed to help me achieve my financial goals.
    Thank you so much Andreea! ❤️" — Huma R.
    "I would recommend it to anyone who would like to gain more insight into their relations with money and personal finances. The program makes you see the money from the emotional perspective and helps you get a gist in understanding your personal decisions, feelings, fears related to it. It gives you nice tools to work with and which I found have helped me understand myself better. The exercises I have learned can be used over and over again, depending where your financial journey takes you, allowing you to keep in check and track of where you stand in relation with your personal finances." — Ioana M.
    "I have a new energy and a positive approach to my finances. I’m in charge of my finances. I felt empowered and was reminded that I’m in control of my finances not the other way around.I felt new energy to take action. Momentum and consistency is important to reach goals." — Huma R.
    "My takeaways - The practical advice.
    The positive perspective about future.
    The feeling of starting a new journey."     — Ioana D.

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    What you’ll walk away with after 4 weeks

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    ✔ Get crystal clear on your real income and expenses so you finally know exactly where your money goes.

    ✔ Identify your spending patterns and emotional triggers and make more conscious decisions.

    ✔ Define goals that truly matter to you and you feel motivated to achieve it.

    ✔ Build a simple, realistic monthly plan that helps you stay on track without feeling restricted.

    ✔ Free up money for what you love without giving up your daily pleasures. ✔ Re-frame limiting beliefs and shift from avoidance or guilt to clarity and confidence.

    ✔ Make peace with your numbers, so money stops being a source of stress and becomes a source of stability.

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    ⚙️How it works

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    1️⃣ Your Money, Your Terms - LIVE Cohort

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    For women who want structure, accountability, support, and honest conversations around money in a safe, guided environment.

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    Includes:

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    • 4 modules, one each week
    • video lessons
    • workbooks & exercises
    • practical tools & resources
    • lifetime access to the materials
    • 8 LIVE group sessions (Monday: kick-off and Thursday: Q&A)
    • weekly support & Q&A
    • private WhatsApp group
    • 1 private 1:1 coaching & mentoring session
    • personalized guidance & accountability

    Limited seats: 10 –12 participants

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    Spaces are limited to keep the group intimate and supportive, so each participant receives direct support, space to reflect, ask questions, and build sustainable financial habits with real-life guidance.
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    Perfect if you:

    • struggle with consistency on your own
    • want support implementing changes in real life
    • learn best through conversation and accountability
    • want to stop figuring everything out alone

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    €697 Early Bird (until May 21st incl.)

    €897 Regular Price

    Flexible payment plan also available.

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    Here is what the participants say about the LIVE program:

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    "I am glad that I joined this program. I felt safe sharing my thoughts and experience. I learned a lot. I say thank you to Andreea and also to the participants. Every session had sense and was helping." — Ioana D.
    "I learned so much from Andreea, from the course materials, but also from the other participants during our live discussions.
    Thank you for creating such a safe space — where I could talk, share, and most importantly, learn and grow.
    And thank you, Andreea, for guiding this group so beautifully and gently, like a caring mother. You brought together women from different professions and backgrounds, and still managed to make us feel connected as a true group. That means a lot." — Cecilia P.

    Over 80% of participants found that the live sessions, reflection exercises, and supportive community made the biggest difference in their progress.

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    2️⃣ Your Money, Your Terms - Self-Paced

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    For women who want to work through the program independently, reflect at their own rhythm, and revisit the material whenever they need.

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    Includes:

    • all 4 modules
    • video lessons
    • workbooks & exercises
    • practical tools & resources
    • lifetime access to the materials

    Perfect if you:

    • prefer flexibility
    • enjoy learning independently
    • want practical guidance without fixed schedules
    • like having time to process and reflect privately

    €249

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    Not sure whether the LIVE or SELF-PACED version of Your Money, Your Terms is right for you?

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    Let’s talk about it.

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    - Send me an email with all your questions: hi@andreeabirou.com

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    Or

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    - Book a 30-minute Financial Clarity Call.

    In this 30-minute safe, confidential, judgment-free conversation we’ll:

    • look at your current financial reality,
    • explore what feels challenging, and
    • uncover opportunities for change.

    You’ll get space to ask questions, be listened to, and walk away with clear answers, whether you decide to join Your Money, Your Terms or not.

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    No pressure, no commitment.

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    A gentle reassurance

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    - If after the first LIVE session you genuinely feel the program is not the right fit for you, simply reach out within 2 days and we’ll find a fair solution together.

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    My intention is for every participant to feel safe, supported, and aligned with the experience they are investing in.

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    - Because the Self-Paced program includes immediate lifetime access to all videos, workbooks, and materials, refunds are not available once access has been granted.

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    If you are unsure whether the program is the right fit for you, I encourage you to book a Financial Clarity Call before purchasing so we can explore what would support you best.

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    💫 Ready to feel confident with money and at peace with yourself?​
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    If you’re ready to create financial clarity, confidence, and a calm, sustainable plan, join Your Money, Your Terms.

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    We start on May 26th. Take this chance to reset your finances, rebuild your confidence, and design your life the way you want it.

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    Because your relationship with money shapes everything else in your life and it’s time to do it on your terms.

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    In just 4 weeks, you’ll move from financial stress to clarity and calm, with tools, support, and confidence that last.

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