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When you think about your money,
would you rather cover your eyes and ears and go “la la la la la?”
Or would you rather scrub the 
bathroom floor with a toothbrush 
than peek at your bank account?
Is ‘BUDGET’ a word that fills 
you with existential dread?

You know you need to get your finances under control, but you still want to enjoy your LIFE!

(I mean, whatever, it's only money.)

  Well, I’ve got great news!
  You can find that sweet spot where you’re paying off your debt and saving for your big goals... and you'll STILL have plenty left over to support the stuff you’re really passionate about!  

I know because I’ve found it myself. 
And I’ve been leading my clients through 
this process for a few years now.
Now, I’m going to show you where it's at, too! 
Together, we'll learn ya about:
  • the CRITICAL elements of personal finance without all of that BORING financial jargon? No more boring books and thinking, “Okay, now how EXACTLY does this apply to me??” 
  • designing a brilliant financial plan on your own that’s 100% customized for you and your exceptional life goals.
  • the money habits that make sticking to your plan feel like a natural and effortless part of your life? Yep – make your plan and pull it off with ease!  
  • structuring your money life so you can FLAWLESSLY adapt to all the winding turns your life will take you.
  Stop feeling like you’re on ‘fun-lockdown’ while trying to frantically squirrel away your money every month!
Maximize the money you have and move closer to achieving the things you really want. 
Introducing ...
On Sale for Only $297!
Program closes Dec. 31st!

By purchasing, you agree to the Terms & Conditions.

Budgets + Big Things is a 6-module virtual course 
and TONS of interactive material that walk you through creating a financial plan for your unique life
that funds YOUR big things!

What’s your dream? What’s your big thang? Want to buy a tiny house? Build your Etsy shop full-time? Start one of those sweet alpaca farms? Just pay off those gosh-forsaken credit cards already? 
Your goals are different from anyone else’s...
You'll finally have a plan that's custom, just for YOU!
Most of us have made money mistakes.

We’ve all made choices that now seem sketchy and sometimes life just gives us a bunch of financial lemons.  And it can seem IMPOSSIBLE to pay off questionable choices and streaks of bad luck.

But you know what? It’s never too late to turn those lemons into delicious, refreshing LEMONY SAVINGS!

You CAN learn new habits that really stick and start making the most of your money. 

Seriously – today is the perfect day to start!

I’m Michelle Bobrow! 
You might be wondering why you should listen to me.

I’m a personal finance educator and consultant and the founder of The Holistic Wallet. (Oh! Did I tell you that I'm a psychology-obsessed numbers nerd?) I help the creatively-inclined step up their financial game and set financial foundations they can stand up and shout from!

It’s all about that cool balance between financial knowledge and the gift that keeps on giving: great money habits!

As a self-declared conscious capitalist and activist spender, I believe in the power of the wallet to make meaningful change in the world. With a solid financial foundation, YOU can put your money where YOUR heart is AND be financially free. 


But, hey, back in the day,
I struggled with my money, too.

These days, awesome budgeting skills and empowering money habits are a natural part of my life, but it wasn’t always that way. I joined the workforce burdened with $50,000 of debt between student loans, credit cards, and a car loan. (Yeah, not pretty.)

I knew I needed some help, but for the life of me, I couldn’t find a financial planner I connected with, who understood what I was looking for, and wouldn’t just give me a bunch of theoretical, cookie-cutter advice that never felt practical. And I did NOT want to give my hard-earned money to just anyone!

So I set out to crack the code myself! 

And I suffered through hundreds of hours of boring courses and tedious books to figure this stuff out. Fast forward five years: I’ve paid off all my debt, stashed just as much into savings, and I’m not clipping coupons to afford my gourmet groceries! 

It turns out personal finance is really simple, the industry just overcomplicates it with big words and fancy calculators, when all you need are some basic habits and less informational clutter!

The financial planning industry focuses too much on far-away retirement and unnecessary financial products...
but WAY too little on establishing good money habits in the first place!

What good is your retirement fund if you don’t know how to spend it?

It turns out, money management isn’t that complicated – the personal finance industry just does a really good job at making it seem like it is! Because the less you know, the more they earn... GROSS.

At The Holistic Wallet, we don’t define Financial Freedom by just having a hefty stash of money. Financial Freedom is about the constant ebb and flow of money behind the scenes of our lives that give us the freedom of CHOICE. 

See, money doesn’t make us happy – plenty of studies have proven this - but when used consciously, money can afford us a LIFESTYLE that IS all about that happiness.

How empowering is that?!

This course will show you exactly how that’s done!

I’m going to prove to you that finance can be simple and budgeting is actually liberating. (Not complicated and restrictive!)

Budgets + Big Things teaches you everything you need to know to be your own financial planner. Watch the webinars in your PJs and complete the worksheets at your favorite fair-trade cafe.

In this course, you will NOT be overwhelmed or bored, because we’re going to take it step-by-step in FUN-SIZED pieces so it will not only make sense but actually feel exciting and empowering.

Budgets + Big Things takes the mystery out of personal finance and boils it down to JUST the stuff you need to know in a way that’s easy to understand and feels almost… dare I say ENJOYABLE?!

On Sale for Only $297 - Course closes Dec. 31st.

By purchasing, you agree to the Terms & Conditions.

Mindful Money Lab

Let's take modern mindfulness skills and incorporate them into the ways we pay off our debt, save for the future, and enjoy spending in the present.

This is the magic sauce that makes money management SIMPLE & FUN.

  • How emotional spending is the solution, not the problem and how to use it in your favor by Feeling More, Controlling Less.
  • How to reframe the thoughts that incite destructive spending frenzies by honoring Abundance Over Scarcity.
  • How to prevail over financial distractions without willpower or a diet lifestyle by Gearing Up To Make Deliberate Choices
  • How to set sustainable money goals that are aligned with the things you really value by Finding Ease In Economic Empowerment.

You’re super-motivated to get your money right, but…you're not super clear on what that even means!

So let’s fix that, shall we?

  • How to get clear on your money history and get the mindset you absolutely need to improve your financial life. We’re talking about the money environment you grew up with. You might not even realize the outlook and attitudes–both good and bad–that you’ve picked up along the way, but we’re going to find out how they’re affecting you.
  • How to identify your money habits, financial personality, and your goals.  This is the best way to de-clutter all the financial factors in your past and present so you can easily put your plan into action for your bright financial future.

Now that you’ve got your goals on LOCK, it’s time for us to draft a plan to make sure your cashflow is working towards your goals in the best way possible. 

We’ll create a financial plan that’s more than just “fiscally responsible” or “frugal”–those are just words, not plans.

  • How to create a sustainable budget that you actually want to stick to and how to manage cash flow. 
  • How to tally up expenses and categorize them, and not feel restricted while you’re doing it.
  • How to balance out those surprise expenses! (Yeah, no one likes those, but you  won’t be afraid of them anymore.)
  • The simple trick that ensures your money goes towards your financial and life goals.

You’ll finish up this module with a clear, easy-to-follow plan that’s customized for you.


Now that you’ve got your goals and your budget, it’s time to track your budget and put it into action. The best part? It won’t feel like a chore. It’ll feel like a natural part of your lifestyle. (I’ve had clients tell me it feels weird for them if they stop tracking their budgets.)

  • The different options and methods you can use, because there’s no such thing as a one- size-fits-all budget.
  • Net worth and why it’s a great indicator of the bigger picture.
  • The secret for staying in control while keeping budgeting light and simple. Plus, I'll show you some rad apps that actually help you stay on track. (I’ve tested them out so you don’t have to.)
  • How to troubleshoot your budget when you feel like you’re overspending.
  • And... how to re-balance your budget after you reach a goal/life-changing event. (Because it’s going to happen! HELL YES!)

So, you’ve got debt. (Hey, I’ve been there.) 

Learn the fastest and smartest way to pay it off stick to your budget, and still enjoy your damn life.

  • Easy methods that'll help you see exactly when you can meet your financial goals. (Believe me, being able to say, “On January 16, 2017, I’ll be done paying off that loan” sounds way better than, “Someday, I won’t have as much to pay.”)

    I’ve got lots of demonstrations up my sleeve – you’ll feel nice and comfy using these tools and strategies to handle debt and pay it off faster while you (yep!) stay within your  budget.
  • Which debts you should focus on paying off first (so your financial plan doesn't feel like a game of Whack-A-Mole!)
  • How to set goals based on the resources you already have. (You'll be amazed at what you can use to demolish your debt today!)

This one’s all about the different types of savings accounts you can use to reach your goals.  Once you learn the best ways to use them, you’ll be strategizing right along with me.

  • The different types of savings you’ll need, from emergency savings to specific savings for short and long-term goals.
  • Strategies to keep your motivation rockin’!
  • How to start investing on the cheap with minimal risk and make that money GROW!
  • How to balance paying off your debt with your savings goals. (Hey, I said BIG THINGS!)

Like it or not, our economy is built on credit. Debt-free's the way to be, but it's not always the most practical. Let's do credit the SMART way.


  • The real reason why your credit score is so important and how to make your credit profile SHINE.
  • How loans work (and how to really understand the interest you’ll be paying) because there's nothing quite as empowering as being an educated consumer!
  • Deciding how much debt you can comfortably afford – regardless of what a lender says - so you can stay in control of your life goals.
You’ll walk away from this course with new habits and a plan to maximize your money. Every. Day. 
Your goals are SO much closer than you realize. You just need some fresh new skills and a killer plan! 

I made this program as effective and entertaining as possible for you. Not only will you finish the course with your own financial plan, I’m gonna guarantee
you’ll enjoy it! (That's right, there's a guarantee. Keep reading, it's coming up.)
"But wait! There's more..." 
  • 50+ pages of worksheets to guide you through the lessons.
  • ALL 5 recorded meditations from my Mindful Money Lab program (in MP3 format to take your new money mindset on the GO!)
  • Amazing interviews with various industry experts on topics like taxes, self-mastery, entrepreneurship, and freedom-based lifestyles!
  • Forever-and-ever access to ALL recorded workshops and events, past and future!
On Sale for Only $297. Enrollment closes December 31st!
  Stop feeling like you’re on ‘fun-lockdown’ while trying to frantically squirrel away your money every month!

When you enroll in Budget + Big Things, you get lifetime access to all the modules, all the bonuses, and all the life-altering financial goodness that's listed above.

Your one-time investment?
...but here’s where it gets juicy: If you sign up now you can enroll for:
Only $297!
How's THAT for value?!
(And you didn’t even have to clip a coupon.)
The material presented totally changed the way I think about my money.

“I fell in love with the course after the first module! Michelle presented strategies that changed my perspective on how I manage my cash flow so I can easily adjust to unforeseen expenses. I’m still sticking to the debt repayment plan I designed in the debt module and I finally see light at the end of this tunnel! My financial life feels so flexible now and I feel like I’m making real progress on my financial goals.”

Ashley R., Budgets + Big Things student
I've always struggled with my finances...

I’ve always struggled with my finances and this was the first time I really took them seriously and worked towards the goals I set. Michelle helped me identify exactly what it was I was seeking to afford with my money. The strategies + the mindset + the numbers broken down – MAGIC!

Liz A., The Holistic Wallet client
I feel wealthier (on a budget) than I ever did without one!

“The word “budget” means something totally new to me since doing Budgets + Big Things. I actually feel wealthier on a budget than I ever did without one. Michelle said “A budget is a plan, not a challenge” and that really stuck with me. It helped me treat my finances like part of my lifestyle and less like a diet or a project.”

Linda M., Budgets + Big Things student
This course whipped my financial life into shape!

“I still have my work cut out for me but my finances finally feel manageable. It was really scary to invest this course and do the work but it’s paying off in ways I did not expect. I thought I was just going to learn about savings and debt but this course transformed the way I look at how money comes in and goes out. I see my expenses not just as bills, but as pieces of my big picture life plan!

This course gives you the tools to make informed and controlled choices with your money. Every time I hear someone complain about money issues, I link them to The Holistic Wallet.”

Melanie L., Budgets + Big Things student
I had so many misconceptions about money that were messing me up and I didn’t even know it.

“I broke even on the cost of working with Michelle in the first month! (And, yes, I know what ROI is now!) I spent money and made money at the same time! The knowledge and skills you get from Michelle are priceless. I had so many misconceptions about money that were messing me up and I didn’t even know it.”

Danny S., The Holistic Wallet client
On Sale for Only $297. Enrollment closes December 31st!

By purchasing, you agree to the Terms & Conditions.

Chasing your tail for YEARS is not what I want for you.
You can’t always control how much money you have coming in (sadly). 
But you CAN make a plan, and you CAN change your money habits so you’re making the most of the money you’ve got...
Forever and always.
And it doesn’t have to involve giving up your favorite mocha frappe, skipping that vacation with friends, or staying at that soul-sucking job until you retire in, oh, 100 years!
If you’re cutting too many corners and you’re miserable, then what’s the point?
is probably NOT for you if:
You don’t want to do the work. I’m here to guide you, answer your questions, make it fun and easy as pie, but... 
It’s still a self-paced course so the
completion is on YOU!  
is PERFECT for you if:
  • You’ve tried to create a financial plan, but you struggle to stick with it.
  • You hate feeling broke all the time. You want to be smart with your money, feel secure, but also enjoy your life, darn it! 
  • You’re no fan of intimidating financial terms (amortization, anyone?) or boring books about personal finance that save you money by putting you to sleep. Zzzz...
  • You’re ready for the change in your money habits that will help you achieve your BIG THINGS!
You’re not going to do things the hard way anymore!
Let's bankroll the life you really want! 
On Sale for Only $297. Enrollment closes December 31st!

By purchasing, you agree to the Terms & Conditions.

Your enrollment is completely risk free 
with my 100% money back guarantee.

I know Budgets + Big Things is going to change how your money works in your life. These strategies have worked for me AND my clients so this course is probably going to work for you, too. But if for any reason you’re not feeling it within 15 days, contact me and I’ll return everything you paid. No fine print.

Frequently Asked Questions
What do I get today if I join Budgets + Big Things?
You’ll get access to the course membership page with your own unique login. Class starts the day you enroll, so you can get to work on Module 1 ASAP!
Wait, do I have to attend a live class that day?
Not quite! You’ll receive instant access to all six modules. You can take as long as you need to get through the video lessons and worksheets. 
What if I fall behind?
Don’t worry – Budgets + Big Things isn’t going anywhere. It's perfectly fine to slow it down and finish at your own pace. I promise, the material will be there when you’re ready.
What if I have questions while I’m taking the course?
I’m here to support you! If you’ve got questions, I’ve got answers. My super secret batline contact info is inside the class webpage!
How do you know all this stuff, Michelle?
I’m a personal finance educator and consultant as well as a Certified Personal Finance Counselor®. 

I also paid off a ton of debt in just a few short years and have mastered the art of conscious spending… I don't just talk to the talk, I've walked the walk!

But it still took way too long to figure out how to do it on my own. That’s what this course is for – now I’m going to save you the trial and error, and all the confusion and frustration. You’ll meet your goals and create awesome money habits. It’s basically the course I wanted 10 years ago.
And what if I’m unhappy with the program?
If Budgets + Big Things doesn’t have that revolutionary impact on your money life I say it will or you’re unhappy for whatever reason, just let us know within 15 days of your purchase date and I’ll refund everything you paid. No joke! As long as you give it a shot, all the risk is on me!
Maximize the money you have and move closer to achieving the things you really want. 
Start creating your plan. Make simple money habits a natural 
part of your life. And get ready to welcome those new BIG THINGS!
Click below and secure your lifetime access to Budgets + Big Things. 
On Sale for Only $297. Enrollment closes December 31st!

By purchasing, you agree to the Terms & Conditions.

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