What If You Could Break the Shackles of Problem Spending

Without Extreme Self-Discipline or Denial

so that you could finally enjoy a life of

peace, abundance, and possibilities

INTRODUCING

Manage Problematic Spending

In this program you develop the skills and frame of mind for lasting mastery over your spending so that now you can have peace, balance, and prosperity in your finances and beyond.

Does This Sound Like You?

Do you ever have a nagging sense your spending patterns aren’t realistic and sooner or later the results are going to catch up with you?
Have you ever wanted to reach out to someone else and talk about your spending but you worry about being judged, criticized, or misunderstood?
Do you worry you’ll never get out of debt or the messy situation you’re currently in?
Have you ever tried to curb your buying but didn’t get lasting results?
Do you struggle with feelings of embarrassment about your spending or a sense of failure about your finances?
Are your spending decisions giving you complex reactions—anything from minimizing to self-blame? Maybe buying leads to feelings of regret, guilt or discouragement.
Have you ever felt exhausted by the treadmill of earning and buying, with no end in sight?

Now imagine living a life you love, once you manage your spending…

Imagine being free from staying in a situation you don’t like just to support your buying habits.

Imagine gifting yourself experiences that create everlasting memories, surpassing the fleeting excitement of impulsive purchases.

Imagine having the serenity that comes from a secure foundation against life’s uncertainties.

Imagine checking your bank and credit card balances with unwavering confidence.

Imagine regaining control over your spending, allowing you to channel your energy into what truly brings you joy and fulfillment.

Imagine the feeling of empowerment as you navigate your way out of financial entanglements that threatened to diminish your dreams and impact.

Imagine the satisfaction and sense of accomplishment that come from mastering your spending, a cornerstone of financial well-being—and ultimately—your total well-being.

If you’re anything like me, you’ve wanted to escape the pain of problematic spending, but you’ve been challenged to find a resource that sees you as a unique individual and respects your struggle.

That’s why I created Manage Problematic Spending, a program filled with all the systems and tools you need to banish this stumbling block from your life and have more peace, balance, and wellness in your finances and beyond.

Together we can develop a plan that is true to your personality, style, and dreams and is built to succeed in the long term.

Spending SOS: My Odyssey to Smarter Money Habits

You may have arrived on this page after reading my special report, 5 Things that Made Releasing My Spending Habit Take 5X as Long as It Should Have. It’s the story of what my spending behavior cost me and how I was able to come back stronger than ever—even if it took me a while to figure out how to make that happen.

But before I came across the solution, things were dire.

My family was hit by a sudden health crisis, creating a 90% drop in income. Because of my problematic spending, I was unprepared. I had a house full of stuff I didn’t really need but no savings to stay afloat while I looked for new sources of income.

So over the next few years, I went through just about every financial nightmare you can imagine: loss of my home and car, bankruptcy, several lawsuits, and eviction from an apartment.

I remember all the stages I traveled in the journey.

In the beginning, I wondered about my spending, but I was unable to name what was happening or to stop it.

As time went on, the effects of my buying pattern became more noticeable. I saw the writing on the wall. Then I watched everything fall apart around me. At times it felt surreal and almost like it was happening to someone else; at other times, events made me panic.

By the end, I’d learned what it was like to lose social significance, live with others’ judgment, and start over from scratch.

No matter where you are on your ride with unplanned spending, I’ve been there too.

This chapter in my life happened many years ago. Since then, I’ve overcome my problematic spending for good, and I’m living a life of peace and abundance.

It pains me to think about the hard times. But I share them here to sow a seed of hope that you can avoid or reverse the effects of unplanned spending.

I also want to break through the isolation and ease the shame that problematic spending can bring.

And it gives my journey meaning if its lessons can spark insight, offer alternatives, and shine a light on the importance of your financial well-being.

Join Me Inside the Program!

From Frustration to Innovation: The Origin of My Spending Solution

Because of my own history, I feel kinship with anyone wanting to change unhelpful spending patterns.

When I was looking for answers, I came across plenty of flawed advice.

A lot of it appeared in the form of obvious, quick-fix solutions—like tracking your spending.

While that’s certainly a piece of the puzzle, it doesn’t get to the root causes, beliefs, emotions, and deep-seated habitual behaviors that fuel unplanned buying. When piecemeal or simplistic fixes don’t work, a person with spending issues may feel like a failure and may be judged by others for not having enough self-control. This only makes the struggle harder.

After trying in vain to find an existing approach to manage my spending, I finally put together a solution for myself. Doing this work took countless hours, an investment in books and training, and lots of trial and error, but in the end, my stubbornness paid off.

I’ve found complete, enduring success with it. I’ve shared the plan with many others who’ve been helped too.

Now, years after banishing problematic spending from my life, I feel empowered, secure, and confident about my finances. I’m grateful to have true, all-around wealth—including a sense of “enoughness” in my life.

How was this transformation possible?

I’m excited to show you exactly how I did this in my program:

Manage Problematic Spending

Built to offer you:

The power to control your spending without the need for extreme self-discipline or -denial
The freedom to choose rather than bondage to consumerism, debt, overwork, and out-of-control expenses
The ability to pursue your passion, leave a legacy, retire early, or fulfill any other financial dream

So How Does the Manage Problematic Spending Program Work?

It’s easy…

Email Efficiency

It’s delivered mainly through email training. Why? Because receiving the content by email makes it simple for you to access the material, get to work, and reach the results you’re after. And that’s what we both care about—getting you the results you want.

Respect for Your Time

You’ll receive 21 email lessons from me Mondays through Fridays. In all, the program takes about a month to complete. Each email contains a short lesson and an assignment that you can usually complete in 15 to 30 minutes a day.

Personal Feedback

To turn in assignments and get my feedback, you just hit reply. What you’ll get back is a private one-to-one tailored response from me, the program creator—never an assistant, moderator, or peer.

I’m especially excited about the unique interactive part of the program. It’s not counseling, advising, or coaching—it’s more like holding a collaborative space for you. A safe place where you can make discoveries, create meaning, find purpose, and experience lasting transformation.

This personal contact also bakes gentle accountability into the design of this program. And this ingredient is key to your success. When you show up, you make more progress.

In all, I’ve tried to create the kind of program I wish was available when I was dealing with my problematic spending.

Transform How You Spend!

Here’s What We Cover

The program includes three sections.

The theme of the first module is Understanding Problematic Spending. This series of lessons boosts your insight into where you’re at and prepares you for unlimited growth.

The second module, Controlling Problematic Spending, is all about putting powerful strategies in place to counteract spending urges.

The focus of the third module is on Maintaining Healthy Spending Habits. It’s one thing to gain knowledge and insights, but it’s another thing to put them into action and persist until you have a new way of life.

All along the way, I’m available to respond to your assignments—serving as a sounding board, holding space for your journey, and providing accountability.

Toggle the headings below to see the lessons in each module:

Setting Intentions – Charting a course for your transformation.

Doing a self-assessment – Beginning your journey with self-awareness.

Discovering the Psychology of Impulsive Spending – Unraveling the quirks in the human money mind.

Realizing How Problematic Spending Impacts Your Overall Well-being – Detecting the subtle echoes of this spending pattern in your life.

Identifying your Spending Triggers – Unmasking the culprits behind your spontaneous spending.

Pinpointing Your Expenses – Learning about your spending patterns for a wealthier tomorrow.

Setting Financial Goals – Unveiling the power of financial clarity in every purchase.

Creating a Financial Plan – Choosing a plan tailored to tame impulsive choices.

Identifying Needs Versus Wants – Finding empowerment through awareness.

Building an Emergency Fund – Shielding your finances: The universal wisdom of safeguarding your financial well-being.

Knowing the Impact of Consumerism – Redefining identity beyond purchases and possessions.

Delaying Gratification – Balancing pleasure and purpose.

Choosing Alternative Activities – Experiencing joy without a price tag: Savoring moments, saving money.

Seeking Accountability – Finding strength in support.

Overcoming Lapses – Mastering the art of bouncing back: Slip-ups happen; growth persists.

Mindful Spending – Navigating your money journey with heightened awareness.

Cultivating Gratitude – Unveiling the power to savor and save.

Celebrating Progress – Taking pleasure in your success: The importance of honoring your progress on a regular basis.

Creating a Financial Vision – Finding long-term clarity through the power of a well-chosen financial vision.

Staying Committed – Decoding dedication: Strategies to stay committed and maintain your financial progress.

Taking Your Next Steps – Nurturing your new identity and continuing your lifetime of empowerment.

TL;DR

Key Takeaways: What You’ll Gain

You probably noticed a lot about what you can expect from the program, but in case you didn’t have time to read everything, here are some key points:

Deep Understanding

By interacting with the materials and with me, you’ll gain a deep understanding of your spending motivations, preferences, and behaviors. You’ll find out about the psychology of spending, too. Without these insights, you can’t be expected to create real, enduring change.

Outstanding Tools

You’ll gain the tools to counteract spending urges. This program steers clear of the typical “Just stop spending” advice. Instead, it offers you solid approaches that tackle spending behavior from multiple angles to support your success. And you won’t simply learn about these strategies. You’ll apply them in the context of your own life.

Lasting Change

You’ll learn how to sustain your progress long after the program is over. The goal of the program is lasting transformation.

Yes, I want to start managing my spending now!

The program is complete and it’s all you need to get rid of the unwanted spending behaviors that are keeping you from the peace and prosperity you deserve. But I want to give you more, and I especially want to offer you a reason to take the leap now.

So for a limited time, I’m including these bonuses…

Grab these Free Perks

$219

Manage Problem Spending: A Guided Meditation

This exclusive professional recording:

Gently guides you to explore the deep-seated unconscious beliefs about money that can be beneath problematic spending
Empowers you to use these insights to make more informed and intentional decisions
Helps you reduce the stress that fuels problematic spending
Engages both the mind and the body

$219

Toolkit for Managing Spending

Your first tool is a tracker for spending triggers. In this tracker, you can jot down situations, emotions, or environments that set off your impulse to spend.

The second is a checklist for mindful purchase decisions. It prompts you to pause and reflect before buying (for example, “Do I really need this, or is it a want?”).

Finally, you get a set of positive affirmations to reshape the way you think about money and spending.

$219

Journaling for Financial Well-being

What if I told you there’s a shortcut to financial well-being? Something that not only boosts your financial bottom line but also improves your overall quality of life. Something that’s easy to do and that nurtures your creative side…

In this guide, I share the benefits of financial journaling and give you thought-provoking prompts to get you started.

What People Are Saying

“You have been such an asset. Anyone lucky enough to work with you will cherish your compassion and knowledge.”

Ricka A.

“Thanks for being there for people and caring for them.”

James S.

“We are doing powerful stuff in this program, and it’s more than merely financial.”

Karen B.

Pricing

It took me years of researching approaches and creating and testing solutions, thousands of dollars in books and courses, and lots of wins and losses to figure out how to manage my spending as a permanent way of life.

For less than $300—the cost of a shopping excursion or evening out for many folks—Manage Problematic Spending will pass along all this knowledge to you in weeks rather than years.

You get all the tools, templates, resources, and bonuses to help you turn your spending around.

You even get extensive support through daily personal responses to your assignments.

The program is priced at $297. This is a one-time payment and not an installment plan or subscription.

Passing up just one spur-of-the-moment purchase could be enough to recoup your entire investment in this program.

There’s simply no reason to wait. You have the opportunity, and you have the ability. I wish I’d started years before I did.

Now’s your chance to capture your dream of a peaceful and secure financial life and all the joys and advantages it brings.

Let’s do this!

Escape the pain of problem shopping.

It’s time to have all the strategies and systems for lasting mastery over your spending so you can live a life you love.

Why put off your next step any longer?

Take the leap.

100% satisfaction guaranteed.

Secure payment.

Enroll now!

The program is backed by a 100% money back and satisfaction guarantee.

I want you to be able to try my strategies RISK FREE.

Go through the program and if you’re not head-over-heels for it, let me know within 30 days of starting and I’ll refund your investment.

Enjoy the bonuses as my way of thanking you for your trust in me and for giving the program a try.

The Crossroads: Understanding the Cost of Inaction

By now, you know what you could gain by joining me in the Manage Problematic Spending container, but what’s at stake if you don’t do it?

Let’s start with the ways out-of-control spending can be measured in numbers.

It can lead to high-interest credit card debt, overdraft and late payment fees, and missed opportunities for saving and investing.
If it progresses to an extreme, uncontrolled spending can result in collection proceedings, low credit scores, bankruptcy, garnishment of your income, and costly lawsuits. As you’ve read, many of these things happened to me, even though I never imagined they would.

Of course, not all pain can be measured in dollars and cents.

Think about the financial strain caused by living from one paycheck to the next or not knowing how you’ll ever pay off your debt.
There’s also an impact on your family and social life. Financial issues—including problematic spending—can strain relationships. Disagreements about money are among the top causes of marital and family friction.
Spending troubles can affect physical, mental, and emotional well-being. Stress and anxiety about money impact overall health and life satisfaction.
And let’s not forget about financial freedom. Overspending limits your ability to do what you want to do instead of what you have to do.

Everyone’s situation is different. You may be able to handle your spending on your own. But if you run into problems, it can cost you.

I believe you want and deserve something better.

This program sets you up for transformation. If you participate, there will be a dramatic difference in your thinking, planning, and systems between where you started and where you’ll end up.

Your future self will thank you for getting on track for a peaceful, secure, financially empowered life.

Start Your Mindful Spending Journey Now!

About Your Instructor

I’m Wendy Molyneux, the program creator, and if you give me the privilege, I’ll be your instructor and guide.

You’ll find out more about me in bits and pieces throughout all my content, but in a nutshell, I’ve had a few serious financial reversals of fortune. I’ve taken what I’ve learned during these cycles to progress as a human being and—over time—to create betterment for myself and others.

In this journey, I’ve learned that embracing the messy, unpredictable dance of life is where true financial empowerment begins. It’s not about cookie-cutter advice; it’s about finding what works for you.

I’m not here to preach about spending; I’m here to recognize the highs, the lows, and the hilarious detours life throws our way. And how despite these things, we can experience true wealth and well-being.

Sometimes, though, it can be hard to find reliable support in navigating this path. My purpose is to help you manage your spending with my mix of lived experience, personal research, and passion for demystifying money.

Professional preparation is part of the mix, too.

I’m a financial therapist with a master’s degree in social work and a certificate in financial social work, and I’ve assisted people across all income brackets at the intersection of financial and life challenges. I also have years of experience designing and teaching courses.

In an era when a weekend workshop can mint an “expert,” I’m here to offer you more. I share this not to brag but to give you a reason to trust our journey together.

Consider me your guide through the complexities on this path, not because of any credentials, but because I’ve been where you might now find yourself.

For more details, visit me on Linkedin. (My full profile is available to registered users.) And check out my blog at WholePerson.finance.

You have Q’s? We have A’s.

Check out the answers to these frequently asked questions about the program. If you don’t see yours here, reach out to me at Wendy@theWM.nexus.

The course is delivered by email, one lesson per day, Monday through Friday.

You get lots of benefits from this format. Messages go straight to your inbox. There are no new accounts to create and no passwords to keep track of. You don’t have to remember to go somewhere to access your course materials. You get reminded, get the materials, and interact with me all from the same place. It’s not a fancy system that requires an expensive platform, so I get to pass my savings along to you and keep the course affordable. But make no mistake–the content is first-rate.

Right after you sign up, you’ll get an email verifying enrollment and telling you a little more about the course. (If you don’t get that email, please check your spam folder.)

The course always begins on a Monday, so if you sign up on, say, a Thursday, you’ll get a welcome email immediately and then receive your first lesson four days later (on the Monday immediately following your enrollment).

From then on, for the duration of the course, you’ll get a lesson every day, Monday through Friday. You’ll have weekends off to rest or catch up.

Not at all. The course is designed to meet you wherever you’re at.

Lessons are well organized and easy to follow. They stick to the same format, and any extra requirements are clearly explained.

Each lesson contains a short section to read, including open-ended content to spark reflection. Some lessons include items like self-assessments, links to other helpful materials, or casual self-quizzes. You may spend as little as 10 to 15 minutes on the lesson itself.

Then you come to the homework assignment. It’s where you apply what you’ve learned to your own life. This part may take a little longer—probably at least 15 minutes. You submit your assignment as a reply to the email message that delivered your lesson. Very easy.

I respond to you within 24 hours with an original answer tailored to your work. I’ll give you my well-thought-out reaction to what you’ve come up with in the context of the daily lesson. Beyond that, I’ll monitor how your work is aligning with and moving you toward your transformation. I’m happy to answer questions about the lesson or your homework too. I want you to feel seen and understood as you do this important work for yourself.

I’m here to support you and offer gentle accountability, but I also recognize your right to decide how you want to engage with the program. So if you choose to skip assignments, you won’t get any judgment from me.

I’ve got your back. This program shows up as a daily email message in your inbox, and everyone checks their email, right? There’s minimal time commitment but if you get behind, you have weekends off to catch up. You also get plenty of encouragement without judgment, making it easier to follow through, even if staying focused in a program has been a challenge in the past.

I understand. The program is an investment in enduring change. It will likely save you many times its cost and lead you to a better financial future.

Yes, structured online programs can promote lasting behavioral shifts.

Not at all. Designed for busy lives, the program is tailored for efficiency without compromising on impact. It lasts just one month and takes only about 30 minutes a day (with weekends off).

Absolutely. The program tackles a full spectrum of spending issues and contexts, while recognizing your individuality and unique set of circumstances.

You develop your awareness of (1) your unique spending triggers and frame of mind and (2) your innate strengths to overcome challenges. Self-assessments of your personality and financial style give you detailed insights and empower you in your environment.

Few people succeed at anything on their first try. So “failure” can be seen as an essential prerequisite for success. What makes this program different are the personalized strategies, real-world application, and ongoing one-to-one support you’ll have.

Time is of the essence. The nature of financial problems is that they build up. Procrastination delays progress.

Kudos for making it through to the end of the page. Now, let’s talk about what’s next. Picture this: You, on your way to a calm and secure financial life, with all the tools and support you need to transform your dreams into a reality. This program is about crafting a future of financial peace, freedom and well-being.

Why wait any longer to step into the serenity and abundance you deserve? Here’s a chance to create a lifestyle of financial well-being and bask in the joy it brings.

Ready to step into a brighter financial chapter? It’s within reach—don’t just wish for it; make it yours.

Take the Leap and Enroll!

Be well,

Wendy

P.S. I hope this message has helped you in some way. It would be great to see you in the program. We’re doing good work here, and I’d love you to be part of it.

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