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Feel better about your finances

Variable income? Struggling to pay off debt? 
My approach to money will give you clarity, peace
of mind and real financial progress… without feeling restricted by your budget.


Do any of these sound familiar?

Living paycheck to paycheck

You feel like you can’t get ahead financially, and it’s an exhausting, stressful way to live.

Struggling with debt

You find yourself wondering how in the world it built up so much and struggle to pay it down.

Living on variable income

You don’t get a steady paycheck and nothing stays the same from month to month.

Take control of your money

With my guided sessions, you can achieve peace of mind knowing that you are in charge of your finances, your goals, and your daily life.

Gain financial 
Feel confident that you're finally using your money to build the life you really want.
Organise your expenses 
and savings
See your spending up close and make your savings more intentional.
Get clarity on your 
Align where your money goes with your true priorities and goals, removing guilt from your spending.
Follow a personalised 
After only 3 sessions you’ll have a flexible, guilt-free plan for your money that's easy to follow.

A whole new money 
mindset in simple steps

Book a free session

Sometimes this is the hardest part, I get it! The goal is to get to know each other and make sure it’s right for you. No obligations.

Define your priorities

Together we’ll explore your dreams and financial goals and look into what’s holding you back. You’ll learn principles and methods that will change this for good.

Get a personalised budget

We’ll design a budget specific to your situation and priorities. You’ll get a sustainable and effective system of money management.

Master your money

Learn to be flexible and adapt your budget as your life and priorities change to always spend your money with confidence and no guilt.

Hi, I’m Lars

I’ve been where you are. Despite a good salary, I used to lived paycheck to paycheck with little savings to show for it. But I dedicated time to learn about finance and money management, putting the right methods into action.

I paid off 30,000€ of debt in a year and, by the age of 25, I had grown my savings and investments to over 80,000€, all through the exact same method I’m here to teach you.

Now, as a YNAB Certified Budget Coach, I'm here to support you every step of the way. Let's work together to shape your financial future.



Natural Light Portrait
Michael M.

Before working with Lars, I felt like budgeting is a burden and I have to remove fun and flexibility and freedom from my life to be able to save money and make financially sound decisions. After working with Lars, I have created even more freedom and flexibility for fun money spending, all while having budgets for emergencies, vacations and I even plan ahead for birthday presents for my family instead of panicking last minute!


Before working with Lars I had a budget, but it was unflexible and felt more like a burden. I felt like I needed to be stoic and fun money is not allowed in my budget. This led me to consistently fail to keep my budget updated and me spending money outside of plans, only to struggle at the end of the month.


I am having fun working with budgets. I feel guilt-free spending my "freedom fun money", because I know now that I have secured my fixcosts ahead of time. I also feel like being able to make decisions now instead of reacting to life.


I removed guilt and resentment from budgeting and spending money. Instead I feel inner peace and huge freedom to spend my money the way I want my life to unfold. I've also created some easy to follow habits to update my budgets in no time, removing the necessity to restart my budgeting plans each quarter due to lost transactions

Hanna S.

I want to express my appreciation for Lars, my financial coach, and the positive impact he's had on my life. In the past, I was pretty clueless about where my money was going and felt uncertain about affording things, which caused a lot of stress. I started budgeting on my own, but it quickly turned into a time-consuming task. However, with Lars's guidance, budgeting has become much easier. I can now put together a budget in just a few minutes, freeing up more time for the things I enjoy. I'm more aware of where my money is allocated, which helps me make better decisions and reduces my stress levels.  I've also found that I buy fewer things, which is a positive change.

Lars is like a financial guru, but what sets him apart is his kindness and infectious passion for all things financial. He's managed to make me genuinely interested in money matters, a feat I never thought possible. With Lars's support, I've achieved goals I once considered impossible, such as saving enough for a half-year work break and even contemplating early retirement.

Lars has truly transformed my financial life, making it easier and brighter. His expertise, dedication, and enthusiasm are exceptional, and I'm looking forward to continuing this financial journey with him.

The Investment


We'll spend 30-45 minutes discussing your particular situation, the YNAB methodology, and your goals to see if Budget Coaching is a good fit for you.


Together we'll create a realistic plan for you to take total control of your money. I'll help you stay on track while you develop unshakeable money confidence.

7 Sessions over 3 months
3 months YNAB trial included.


Just need a tune up? No problem! I'II take a look at your budget and we will work together to trouble shoot or create a new plan for your changing goals


Budget management
€399 / month

We'll meet up to an hour per week to review and discuss the budget. You're in full control, but I'll handle the day-to-day maintenance, so you can focus on other things.

Take control of your money


Saved on avarage by new budgeters after one year

Make your money work for whatever you’re dreaming of

Budgeting is a powerful tool to help you achieve your biggest, wildest dreams, like:

  • Buying your dream house

  • Starting a family

  • Taking a road trip around Europe

  • Saving for early retirement

  • Building lasting wealth

And many, many more...


Saved on average by new budgeters in their first two months

I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or its affiliates.

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