• You make good money, but you don't know where it is all going
  • You feel like you should have more to show for the money you make
  • You don't feel confident how you're managing your cash flow
  • You feel like an imposter because you are a skilled and capable person, but your finances don't show that
  • You feel like your life is missing feeling contentment, safety and security


  • Not having a plan in place for your money?
  • Feeling like you should have more to show for the income you make?
  • Dipping into your savings account to pay bills and not really seeing it grow?
  • Being a high achiever in so many other areas of your life, but your finances don't reflect that?
  • Feeling like you aren't really getting further ahead, even when you're making more money?

If the thought of getting your finances in order makes you feel confused and overwhelmed... I'm here to tell you that you're not alone

You don't have to feel that way anymore and I don't want you to.

That is why I created a solution...

The Financial Clarity Session is a one-on-one session with me diving deep into your finances and giving you a custom financial plan.

We first start with collecting all of the important information so I have a full picture of your finances and your specific lifestyle. I figured out where your money is going and do a cashflow analysis for you. [ You complete this information before our session, so we are efficient and you can then implement your plan right away.]

During your session we dive right into the strategy, your specific numbers and the action steps you can take to improve your finances.

Yes! I Want Clarity with My Finances!



What was your financial life like before you started working with me for coaching?

Before I started with Mandyy there was no real structure, system or transparency around my money. On many occasions I would transfer a bunch of money to my savings account only to have to transfer it BACK into my daily account because I had run out of money, or had to pay for something unexpected. I had no idea when payments were due out of my account, and no idea how much money I spent on eating/dining out, going out etc. It was all just one big guessing game.

What were your struggles with trying to get your finances in order on your own?

It was a mixture between lack of accountability, and also not knowing if what I was doing was right. I tried to do it myself once but I didn't have the confidence/belief in the system and myself that it was the best way to manage my finances. I tried using a budgeting app, but it just didn't work out. My finances have never been in a really "bad" position, I've never had any credit card debts. Because it had never gotten "bad" I never saw a reason to try and improve it, but there was a turning point when I got into a bit of debt to my partner, got myself out, and then fell back into it, and that didn't sit well with me, so I made the decision then that I would do something about it, to reduce the chances of getting myself in that situation again, and to equip myself with the knowledge and tools so that if I did, I'd know how to get myself out of it.

What were some of your highlights of financial coaching?

My partner and I planned to go travelling around Europe for 3 months, and with the way the whole spreadsheet was laid out, I was EASILY and QUICKLY able to figure out (pretty accurately) how much I was going to be able to save on my current income before our trip. Seeing that figure wasn't only a great insight, but it gave me the drive to push further, set a bigger savings goal, and actually go out and take action to accomplish it. If it wasn't for Mandyy and the tools she's given and taught me, I wouldn't be in the position I am right now.

You are so much more than a "financial coach". After every single call I always leave feeling happy and upbeat. I truly appreciate your support and understanding, you never once left me feeling ashamed of my situation or bad about anything I had done/not done. Mostly I love how you constantly push me not only to do better but to celebrate ALL my little wins along the way. From the bottom of my heart, thank you!

In 6 months of working together, Amanda saved $21,600 & she travelled during this time too!


Paying Off Credit Card Debt

My mental health has improved greatly since working with Mandyy. I have been given money managing tools that have not only helped me pay off my debt, but have also helped improve my mindset relating to money. I have less stress and anxiety towards money.

I have really appreciated the customized help and step-by-step action plan she provides for me that is specific to MY goals.  

I would recommend Mandyy to anyone and everyone! Even if you don’t have a huge goal like mine of paying off a big chunk of debt, I believe that you could still learn a ton from Mandyy and your life and mental health can greatly improve!  



I highly recommend anyone to work with Mandyy whether you want to pay off debt or learn how to save for something and manage your money in any way, I guarantee you will reach those goals much faster than you’d ever think. 

  • Thanks so much Mandyy!"


Before I began working with Mandyy, my financial life was chaotic and unorganized. I knew I needed help to get this chaos under control but I had no idea how to do it. Over the years I’ve taken several financial planning courses and was one exam shy of completing my designation for my CFP. Obviously that didn’t work for me. I originally learned about Mandyy’s Financial Coaching through a close friend. After one consultation I knew this is exactly what I needed. My entire adult life I have struggled with managing money. Both my husband and I worked multiple jobs while raising our family because we were always broke. The last 10 years, I was struggling with our home LOC. For years, I knew we were overspending and relying on that LOC to live above our means. It was a false sense of security for me. It finally caught up with us. My husband and I have never been able to talk about money. It’s always been a big fight and he always blamed me for our financial problems. There was a lot of secret spending occurring and I worried about how to pay the credit cards off. I always told myself next month will be different. I won’t overspend and I won’t have to dip into that LOC to pay off the CC. But there always seemed to be something new that arose. Well it finally caught up with me. In November I had no more room on our house LOC so I had to take $15,000 from another line of credit to pay off the CC. That was the straw that broke the camel's back. It was fortuitous that Mandyy came into my life when she did. At first, I was worried about paying the monthly fee for financial coaching. I thought we are already struggling...Where are we going to find that money every month? Honestly, since I started working with Mandyy I haven’t worried about paying her...not even once. It just always seems to be there and it’s never a struggle. The money we have saved is worth every penny we paid of the monthly fee. During our first meeting I broke down and cried. I said, “we make good money, yet I have never felt so poor and broke.” I felt overwhelmed and alone. I felt the situation was hopeless. I was ashamed. Skip forward three months, we will have that $15,000 LOC paid in full by the end of March. I set a goal to pay that off in a year and it will be paid off in three months. I can’t even begin to tell you how we feel about that. We’ve also managed to save approx $1500. I look forward to our meetings. Mandyy came into my life at a perfect time. She is a caring and kind individual and I never feel she is judging me. She is always accepting and is so resourceful. I can’t tell you how she has changed my life. It has even helped with my relationship with my husband. We talk a lot more about things especially money. I highly recommend Mandyy financial coaching service. No matter how big or small the issue is, her teaching abilities go above and beyond. This is a unique way to help get your financial issues under control and with dignity and acceptance. Thank you, Mandyy for changing my life.  


<<< That's an increase of 120 points, saving her TENS OF THOUSANDS OF DOLLARS+ in interest!!!


  • You want to have more to show for the good money you make
  • You want to feel in control of your finances and your life
  • You are tired of not having a plan to manage your everyday finances
  • You are ready to take action now
  • You're excited to feel confident about how you're managing your finances


Hey! I'm Mandyy Thomas and I'm a full time Online Financial Coach and Speaker. I help people who make good money but don't know where it goes, create a plan to keep more of it and make BIG progress and reach their financial & life goals.


Growing up in a family who didn’t have a lot of money, from a young age I began a life long journey of learning how to really effectively manage my money so I didn't struggle entire life financially like our family did growing up. I started my first business at 11 and became financially self sufficient from that age on. I started learning about money and implementing different strategies about how to manage money from a young age & I've read over 60+ finance books to date and been interviewed on 40+ podcasts.

I went to school to become a power engineer and I really enjoyed what I did. I was making a 6-figure income and I achieved many of my big financial goals. 

What I realized though, was that a lot of the people I knew who were making really good income too, many of them making 6 figures+ who were really smart and skilled people, were struggling financially. They weren't getting ahead, even when they would get a raise or a bonus. Seeing people who had good careers and income struggle financially, I knew that I had to help these people. 

This is what lead me to begin my business coaching other people with their finances.

You can live a life where you aren't feeling so stressed, where you are truly getting ahead and making real financial progress. Let me show you how.

I have a six-figure investment portfolio and I believe the best investment you can make is in yourself! I've invested over $70k+ into my personal and business development (and have remained debt free while doing so) to be the best coach for my clients so they don't just save some money and pay off debt, but experience a true financial AND life transformation.


  • My average client pays off $28,613+ in debt
  • Clients of mine have increased their credit scores significantly, even over 100+ points!
  • Debt-Free
  • Six-Figure Portfolio
  • Financial Coach Academy Graduate 
  • Certified Financial Education Instructor 
  • NLP (Neuro-Linguistic Programming) Practitioner 
  • TIME Techniques Practitioner 
  • Life and Success Coach 
  • Third Class Power Engineer
  • I've been featured on over 40+ podcasts sharing my expertise


Save a Quarter of a Million Dollars+ by Age 26

  • Have a positive six-figure net worth by age 24
  • Have a 6-month emergency fund for when those "rainy" days came along
  • To save 20% for a deposit on purchasing our home
  • Graduate post-secondary 2x debt free 
  • Pay 2/3 of my brand new SUV in cash
  • Help financially put my little brother through his first year of post-secondary education so he didn't have to take out a student loan
  • Sponsor a child (because I wanted to give back in a bigger way)
  • Improve my sleep because I wasn't laying in bed worrying every single night anymore  
  • Overcome my extreme exhaustion because I improved my biggest stressor, my finances
  • Overcome my anxiety around money & I no longer felt scarce every single day
  • Be able to do what I really wanted and in turn, leave a 6-figure career
  • Feel confident in how I was managing my everyday cash flow and be proud, feel financially safe & secure & have peace of mind of my financial situation


  • Clarity on Where Your Money is Going
  • A System to Stop the "Whammies" & "Surprise" Expenses That Have Been Preventing You from Making Real Financial Progress
  • A Financial Plan Going Forward
  • Learn How to Feel Successful with Your Role of Managing Money
  • Learn How to Manage Your Money Even with a Variable Income
  • You Feel Empowered and Have Hope about Your Finances

The Average Amount of Debt Paid Off by My Clients is $28,613+

When you improve your financial situation, you are also able to finally feel and experience:

  • Financial Stability 
  • Financial Safety 
  • Financial Security 
  • Peace of Mind 
  • More Options, Opportunities & Choice 
  • More Freedom  


 Your Investment:

Personal Finance Clarity Session (for non-entrepreneurs)  

2-Hour Session 


Financial Clarity Session for Entrepreneurs & Small Business Owners 

This Clarity Session Package is composed of 2, 90-Min Sessions (one for your personal finances and the second one for your business finances)  


Payment plans are available upon request if needed

Click the button below to schedule your Financial Clarity Session online!

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