The Money Story Method · 12-week 1:1 programme

Pay yourself the same every month. Even when the work isn't.

This is for you if you run your own business, make a good living, and still never know what's really yours to take home. Twelve weeks, one to one. We work out why your money goes where it goes, then we set up the system together, on the call.

Book your free 20-minute call See how the 12 weeks work ↓

Joel Ezekiel · MSc Behavioural Economics | Qualified Financial Planner

Good money comes in.
So why is it never enough?

Let's say an invoice for £5,000 lands on a Tuesday. The balance jumps, and it all looks like yours.

But some of it is tax. Some of it is the software, the rent, the stuff the business runs on. Nothing in the account tells you which is which. So you spend it like it's all yours, right?

Then the tax bill lands. And the account is short.

Which of these do you know too well?

  • 01

    You don't pay yourself a set amount. You take what's there, when it's there.

  • 02

    You couldn't say, right now, how much of your balance is actually yours.

  • 03

    The tax bill turns up and you're not sure the money is still there.

  • 04

    Good months disappear into gear and lifestyle. Quiet months arrive with nothing behind them.

  • 05

    You earn well, and you still feel behind.

  • 06

    You don't open the banking app when it's bad.

  • 07

    If you stop working, the money stops. And you know it.

  • 08

    You've tried the apps, the budgets and the spreadsheets. None of them stuck.

If two or three of those hit home, you're in the right place.

It's not willpower.
Your money has no walls.

Your money's got no walls in it, so it all leaks into the same pot. And when it's all in one pot, your brain reads the whole balance as yours to spend.

That's not you being bad with money. Money doesn't know which account it's in, but you do. That can be the problem or the solution.

Now, think about the end of a long day. You've been deciding things for ten hours. At 9pm you take the easiest route, and the easiest route is the app that already has your card.

So we don't ask you to try harder. We set it up so the money splits itself before you have to decide anything. Four accounts:

  • Current

    What you live on. Paid from the business on the same day every month, like a wage.

  • Emergency

    Your buffer. So a quiet month is just a quiet month.

  • Tax

    Put away when the money lands, because it was never yours.

  • Savings and investments

    For the future you, not the next good month.

But walls on their own don't hold if the belief underneath keeps knocking them down. So we look at that too. Where your money habits come from, and why they made sense at the time.

More money doesn't fix a leak. It just makes the leak bigger.

Joel Ezekiel

Hi, I'm Joel.

I turned £3,000 into £150,000 trading. I thought I was a genius. Then I lost all of it.

I didn't even have a degree back then. That's what sent me off to go and study this properly.

So now I've got an MSc in Behavioural Economics and I'm a Qualified Financial Planner. And honestly, what I found is that the plan is almost never the problem. Smart people have a financial plan and still don't follow it. It's the beliefs and habits underneath, you know, the stuff running on autopilot.

The Money Story Method is what I built for that. We work on those beliefs, and we build the system together, on the call.

  • You see your real number next to the one you guessed.
  • By week 3 the money moves: four accounts and the standing orders that fill them.
  • You leave with the plan, the system and the recordings.
Introducing

The Money Story Method

Twelve weeks, one to one, just you and me. We change the habits and we build the system, on the call. It's not a course, it's not a community and it's not a PDF.

  • 12 weekly 1:1 sessions

    Every week it's just you and me, looking at your real accounts. Not theory.

  • Your four accounts, set up with you

    Current, Emergency, Tax, and Savings and investments. We set them up on the call, then the standing orders fill them.

  • The 90-Day Money Audit

    You upload three months of bank statements and it sorts them for you. Then we go through it together, so you see where your money really goes.

  • Weekly worksheets

    Short exercises in your own portal. They pull apart the beliefs sitting under the habits.

  • Support between sessions

    I'm a message away. That's usually when the wobble happens, so that's when the real work gets done.

  • You keep everything

    Recordings, worksheets, your Cash Flow Plan and your Money Book. Lifetime portal access. It doesn't stop at week twelve.

How the 12 weeks actually work

Weeks 1–3

See it, then move it

  • Week 1: where your money is today, the money scripts you grew up with, and how your business money really runs. Paying yourself, tax, the good months and the slow ones.
  • Week 2: your 90-Day Money Audit. Your real number next to the one you guessed, plus the once-a-year costs everyone forgets.
  • Week 3: the money moves. Your four accounts, set up together, with a steady wage from the business and the standing orders that fill them.
"It's almost like looking in a mirror."Money Story Method client
Weeks 4–5

Understand why

  • Week 4: where your money habits come from, and why they made sense at the time. You get your Money Story Profile.
  • Week 5: your patterns, with proof from your own spending, and three small experiments to try. You get your Behavioural Pattern Report.
"I feel seen and called out at the same time."Money Story Method client
Weeks 6–8

Rewrite it

  • Week 6: we test the belief that keeps showing up, against your own evidence.
  • Week 7: we rewrite it, in your own words.
  • Week 8: five weeks after the money moved, we check what held, fix what broke, and set up guardrails for the moments you usually slip.
"You've removed money from the pedestal for me. Now it's just a tool. I am in control of it. It is not in control of me."Money Story Method client
Weeks 9–12

Aim it

  • Week 9: what your money is actually for. Your values, not what you think you should want.
  • Week 10: your Cash Flow Plan. What your life needs, and what your work needs to earn to pay for it.
  • Week 11: where you started, where you are now, and three ways your future could go.
  • Week 12: graduation. You leave with your Money Book, the system and the recordings.
"Permission. That one word defines my whole life."Money Story Method client
Book your free 20-minute call

Most people reach out
for one of three reasons.

Which one is closest to yours?

This might be you

It keeps happening, and you can't make it stop.

This is you if:

  • You've tried budgets and apps, and they never stick.
  • You know what to do. You just don't do it.
  • Every time you get ahead, something pulls you back.

What we'd do:

We find the belief running the loop. And by week 3 the money is already moving: your four accounts and the standing orders that fill them.

This might be you

The money comes in. You want it to build something.

This is you if:

  • Money sits in your account and never turns into anything.
  • You want a plan, not just a balance.
  • You're curious why you handle money the way you do.

What we'd do:

We work out your real number, set up the system, then map out your cash flow so your money has a job and a direction.

This might be you

A move, a relationship, a new chapter. Money suddenly matters more.

This is you if:

  • Someone close has started asking about your spending.
  • A big change is coming and you want to be ready for it.
  • Your old habits don't fit the life you're building.

What we'd do:

We go through your last 90 days together, see what's really going on, and set up a system that fits the life you're moving into.

This isn't for you if…

  • You're employed on a salary. Your tax is already taken off, so the main problem this fixes isn't yours.
  • You want someone to tell you what to invest in. I'm a planner, not an adviser. I don't tell you what to buy.
  • You want a course or a PDF. This is twelve weeks, one to one.
  • You'd rather not look at your real numbers. Every week we look at your real accounts. Not theory.

Wondering what
results look like?

Hear it from people who were exactly where you are.

  • It's almost like looking in a mirror.

    Money Story Method client, in their own words

  • I feel seen and called out at the same time.

    Money Story Method client, in their own words

  • I don't want to pay rent with my mental health.

    Money Story Method client, in their own words

"You've removed money from the pedestal for me… I am in control of it. It is not in control of me."

Josh · came in stuck in debt, left debt-free and on a five-year plan

When we actually looked over the numbers, it made everything clearer, and that fear really went away.

Alon

I never would have got there without you. Never. I can 100% say that.

Alex

Anxiety around money at the start: "probably around nine, ten." Now: "maybe four or five."

Hozir

It wasn't just about learning new money tools, but actually being taken by the hand, kind of guided through this process, and also being given a type of system or structure I can apply no matter how much money I have available. That is really huge.

Jennifer

I had my car serviced this week, and I didn't once flicker at the idea of what it was going to cost me.

Lynton

I didn't expect to see change this soon, but I'm happy that I did. I'm already making changes I didn't expect to ever see.

Zachi

I have had a shift in mindset, especially in not thinking about money as much as the devil.

Shira

I never had the opportunity to have someone guide me through the process and see how it's kind of making it worse rather than helping anything.

Shambhavi

I was doing your worksheets, it got me thinking more, and I made much better decisions.

Eden

Choose how you'd like
to pay.

Same programme, same support. We agree the plan on the call. I take on 5 people a month.

  • Pay once
    £1,000

    one payment, no plan fee

    • £1,000 in total
    • Full programme access
    • Everything included
    Book a free call
  • Split in two
    £500

    × 2 monthly payments

    • £1,000 in total
    • First payment starts your access
    • Same programme, same support
    Book a free call
  • Lowest upfront
    £334

    × 3 monthly payments

    • £1,002 in total
    • First payment starts your access
    • Same programme, same support
    Book a free call

The Eight-Session Promise

Full refund if nothing has shifted by session 8.

If you show up and do the work, and by the end of your 8th session we haven't shifted any of your money behaviours, you get every penny back. No questions asked.

Commonly asked questions

What happens on the free call?

Twenty minutes on Zoom. No slides, no pressure. You tell me what's going on with your money and I tell you honestly whether this is the right fit. I read your application before we speak, so we don't waste the first ten minutes.

Is this financial advice?

No. I'm a planner, not an adviser. I don't recommend products, returns or tax structures. I teach you the system and work on the behaviour underneath it. For tax or investment decisions, you'd still use your accountant or an adviser.

I already have an accountant.

Good. An accountant looks backwards to keep you legal. They don't tell you how much of today's invoice you can actually move to your own account. That's the gap we work on.

My income is too up and down for a system.

Honestly, it feels up and down because of how you take money out. Get a buffer in place and a big month pays for a small one.

I'll sort it out when I earn more.

More revenue doesn't fix a leak. It scales it. The sooner the system is in, the more it protects.

Will this work for my kind of work?

It's not really about the trade. It's about how the money arrives. If you sell sessions, day rates, packages or retainers, and it lands gross with nothing held back, this is built for you.

What if it isn't for me?

That's what the Eight-Session Promise is for. Full refund if nothing has shifted in your money behaviours by session 8.

Do I keep the material?

Yes. Recordings, worksheets and your plan are yours, with lifetime portal access.

How do I pay?

You can pay in full, in two monthly payments or in three. We agree the plan on the call.

Apply to work with me

Tell me where you're at.
Then we'll book the call.

Two short forms on the same page. You write a few sentences about what's actually going on. You pick a time. I read your application before we speak, so we don't waste the first ten minutes.

Not ready yet? Book a free Cash Flow Session

£1,000 confirmed on the call. Eight-Session Promise: full refund if nothing has shifted by session 8. Your details stay private.

This programme is education and planning support, not financial advice. I don't recommend products, returns or tax structures. The testimonials are real. Results vary.