Achieve Your Dreams (AYD)

"Welcome to Achieve Your Dreams, the ultimate guide and resource for assisting families, seniors, retirees, migrants, and expats in the art of budgeting, money management and debt control! "

Affordable and Effective Solutions for Budgeting Problems

Get Control Of Your Life

Welcome to Achieve Your Dreams, the ultimate guide and resource for assisting families, seniors, retirees, migrants, and expats in the art of budgeting, money management and debt control! We will assist you get your Money and Finances under control and find your Life Purpose and find a Career that satisfies!

We are genuinely interested in you rather than your money. We offer inexpensive introductory packages and if you honestly can’t afford them, we may be able to arrange a subsidy – please use the ‘contact us’ form for a discount code.  Most sessions can be conducted on Skype or Zoom.

Upcoming Webinars

Title: Mastering Your Finances: Budgeting Tips for Australian Seniors and Retirees

Date: 10 July 2024

Time: 11.00am Western Australia Standard Time (Please note the time zone)

Duration: Approximately 30 min

Platform: Zoom – link will be emailed


Preparing for retirement

Understanding Retirement Budgeting

Assessing Your Financial Situation

Setting Realistic Financial Goals

Practical Budgeting Strategies

Maximizing Retirement Income

Managing Debt and Expenses

Protecting Your Assets and Investments

Overcoming Common Budgeting Pitfalls

Q&A Session


Registration: Participation is complimentary, but registration is required to secure your place.

Title: Mastering Budgeting for Small Businesses

Date: 24 July 2024

Time: 11.00am Western Australia Standard Time (Please note the time zone)

Duration: Approximately 30 min

Platform: Zoom – link will be emailed



Brief Overview of Budgeting Importance for Small Businesses

Introduction to Common Budgeting Challenges

Understanding Budgeting Fundamentals

Importance of Budgeting for Small Businesses

Types of Budgets: Operational, Cash Flow, and Capital Expenditure

Common Budgeting Challenges for Small Businesses

Foster a Culture of Financial Responsibility

Q&A Session


Registration: Participation is complimentary, but registration is required to secure your place.

About You

Whether you’re juggling the expenses of raising a family, planning for retirement, navigating a new country as a migrant, or settling into life as an expatriate, managing your finances effectively is key to achieving your goals and securing your future.

We provide tailored advice and strategies designed to meet the unique financial needs and challenges faced by each of these diverse groups. From creating realistic budgets and maximizing savings to understanding tax implications and optimizing investment opportunities, we’re here to empower you with the knowledge and tools needed to make informed financial decisions.

No matter where you are on your journey—whether you’re just starting out as a young family, enjoying your golden years in retirement, embarking on a new chapter in a different country, or adjusting to life as an expat—we’re committed to helping you navigate the complexities of personal finance with confidence and clarity.

Contact us to explore practical tips, expert insights, and proven strategies to help you achieve financial stability, security, and success, no matter what stage of life you’re in. Let’s embark on this journey together towards a brighter and more prosperous future.

Get ready to Achieve Your Dreams!

Instructions: To make an appointment

Click on calendar
Tick box for service you require – Introductory etc.
Click on blue service – press continue at the next screen
Choose date and time
Fill out fields – Name, email and telephone – click continue
Fill out card details
Pay and you will receive an email confirming your time

What We Do for You

We use proven techniques that will assist you

We teach advanced budgeting skills which offer numerous benefits for families, seniors, retirees, migrants, and expats alike. Here’s a list highlighting some of these benefits.

  • Financial Stability: Advanced budgeting helps families maintain a stable financial foundation, ensuring they can meet their day-to-day expenses while saving for future goals.
  • Reduced Stress: By proactively managing finances, families can minimize financial stress and enjoy peace of mind, knowing they have a plan in place to cover expenses and emergencies.
  • Improved Communication: Budgeting encourages open communication about financial goals and priorities among family members, fostering a sense of teamwork and shared responsibility.
  • Teaching Responsibility: Involving children in budgeting processes teaches valuable money management skills and instills a sense of financial responsibility from a young age.
  • Enhanced Quality of Life: With careful budgeting, families can allocate resources to activities and experiences that enrich their lives, such as vacations, hobbies, and educational opportunities.
  • Financial Security: Advanced budgeting helps seniors and retirees maintain financial security throughout their retirement years, ensuring they have sufficient funds to cover living expenses and healthcare needs.
  • Long-Term Planning: Budgeting allows seniors to plan for long-term care and unforeseen expenses, reducing the risk of financial hardship later in life.
  • Maximizing Retirement Income: By carefully managing expenses and investment withdrawals, retirees can maximize their retirement income and make their savings last longer.
  • Estate Planning: Budgeting facilitates estate planning by helping seniors allocate assets, minimize taxes, and ensure their wishes are carried out effectively.
  • Peace of Mind: With a well-planned budget in place, seniors can enjoy retirement with peace of mind, knowing they have the financial resources to support their desired lifestyle and handle any unexpected costs.
  • Financial Adaptability: Advanced budgeting helps migrants and expats adapt to new financial environments, whether it’s understanding currency exchange rates, cost of living differences, or taxation systems.
  • Integration Support: Budgeting facilitates integration into a new country by helping migrants and expats understand local financial norms, expenses, and savings opportunities.
  • Savings Optimization: By carefully managing expenses and taking advantage of local savings options, migrants and expats can maximize their savings potential and achieve their financial goals faster.
  • Risk Management: Budgeting helps migrants and expats mitigate financial risks associated with relocation, such as fluctuating exchange rates, unexpected expenses, or changes in employment status.
  • Future Planning: Advanced budgeting allows migrants and expats to plan for their future, whether it involves repatriation, permanent residency, or continued international living, ensuring they have the financial resources to support their goals and aspirations.

My Wage      ATTRIBUTION:  JESSIE B. RITTENHOUSE, “My Wage,” The Door of Dreams, p. 25 (1918). SUBJECTS:        Life

“I bargained with Life for a penny,
And Life would pay no more,
However I begged at evening
When I counted my scanty store.

For Life is a just employer,
He gives you what you ask,
But once you have set the wages,
Why, you must bear the task.

I worked for a menial’s hire,
Only to learn, dismayed,
That any wage I had asked of Life,
Life would have willingly paid.”


Families struggling with finances in Australia
A migrant struggling with finances
Seniors and retirees struggling with finances

We are committed to making our program affordable to everyone and so we offer 5 sessions (50 minutes per session) for $AUD50 per session, which is super inexpensive (billed as $AUD250). Even less if you can prove you can’t afford that fee – please contact us to negotiate a lower fee and receive a discount code. 5 sessions will at least start the healing process and there are more available if you need them. Homework is involved and compulsory.


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We offer a full refund guarantee but you must attend each of the 5 sessions

Stop stressing and start living – Make your appointment today


“John is a wonderful, spirited person as is his coaching style. He made me feel at ease at all times, I always felt that I can bring anything up and every time I left with precious insights stemming from his vast life experience and coaching skills. The sessions with him were a well balanced blend of relaxed and funny moments and serious, profound experiences. During our 3 months of coaching relationship, we’ve touched many areas of my life that I was struggling with and every time I got precious advice, aha moments and new angles /sides to my problems that still sit with me today. John was awesome to work with and a great guy all around. Thank you again, John, for time, empathy and professionalism.”
Andreea Baudici
Digital Marketing Consultant, Romania
“I got in touch with John when I needed help with my business. I was having problems with my marketing and getting the word out and talking to people. I chose John and continued to work with him because he has many years of experience with business and people. He solved my problem and continues to solve my problems by giving great advice and also giving me the space to come up with my own answers. John's solutions are unique because he is really up to date with what a business should do and what we all should do when dealing with people. I particularly liked how easy it is to talk to john. Also, he is very likable and easy to talk to. I feel really heard when I am being coached by him. To summarize the whole experience I would say that John has helped me to set goals and get moving on them in a way where I don't feel any pressure and therefore I can take action. I would recommend John to anyone who is stuck and wanting to take action in order to reach their goals.”
Helsinki Finland
“Before starting the coaching engagement with John, I was starting my career as a Transformational Coach newly in Dubai, where I was overwhelmed with challenges that made me feel stuck and nothing much was being achieved. Working with John, made me realise that achieving tasks was much easier than I thought, and he was able to push me beyond my overwhelm and limitations. Together, we planned the events that needed to happen to attract clients and he was acting as my accountability partner with his great ability to follow up. What I liked most about working with John is his genuine care and flexibility in timings. Thanks alot John and wish you all the best.”
“After nearly two years of coaching with John , my attitude about myself, my career and my business has shifted 180 degrees. I find myself returning to the same feelings and attitude I had when I started my journey , the courage to make and even embrace change and to move forward by making choices that benefit me, not just looking out for everyone else. I want to emphasize that John does not make decisions for me but instead has helped me develop ways to deal with situations using my own knowledge and self-awareness, and he helped me at least develop a plan or concept for what I want my career to look life for the next 25 years of my life. I have come to regard John as a valued friend as well as business advisor. Thank you John.”
Antony Martiniani
Anan, Tokushima, Japan
" I’ve been using John as a coach now for almost 3 months. At first, I was skeptical as to what a coach could do for me, that’s probably natural. However very very quickly I saw the value and returns that I was getting and I know I probably should have found him earlier. John helps keep me on track and performing. My results in the last months have really impressed my family and friends. Much of my results come from having my own coach to keep me accountable and going forward. Massive thanks, John. Looking forward to many more great insights, realizations and sunny days."
Adrian Townscille
Old Australia Customer

This is a special group for people with budgeting or money problems
and this is a link

Please join this group and share with your friends and relatives.

Money and Financial Services Coaching

Many relationships come to an end because of money issues – one or both parties can’t handle money and so frustrate each other or the relationship seems to get nowhere. I spent much of my career as an accountant and financial advisor and have training and a certificate as a Financial Counsellor. Handling money is easy once you know how. Even the largest of businesses have budgets, we call them Money Plans. Every entity has to allocate where they want the funds to come from and go to. We can assist with ways to make extra income, pay off debt, and allocate funds to special projects like holidays, saving for a home, saving to move out of home etc. Certain bills are essential – rent or mortgage, utilities, food and maybe transportation costs if you work outside your home. Once you get the idea, the rest is easy!

For immediate assistance make your appointment today!

Life Purpose and Career Coaching

We also coach those who are still struggling to find their life purpose and hence are often in misfitting jobs and positions. It can take years to find your life purpose and research also suggests it is major obstacle to happiness and job satisfaction, and causes huge frustration in those still searching.

For immediate assistance make your appointment today!


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