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Money Coaching Hub

Most People Earn Enough. They Just Don't Know Where It Goes.

You work hard.

You earn a decent salary.

And yet, at the end of the month, you’re not sure where it all went.

Here’s the uncomfortable truth:

No amount of earning more will fix a spending plan that doesn’t exist. The problem isn’t your income. It’s the fact that nobody ever taught you how to manage it.

This masterclass changes that.

Stressed man reacting to a financial loss while staring at his laptop, symbolizing the emotional impact of crypto trading mistakes.

Is This You?

  • You earn well but still feel like money slips through your fingers
  • You’ve tried budgeting before  it lasted two weeks
  • You and your partner argue about money more than you’d like to admit
  • You have debt you’re embarrassed about
  • You know you should be saving more, but life keeps getting in the way
  • You feel guilty every time you spend but also when you save
  • You want to invest, but you know your foundation isn’t in place yet
 

No spreadsheets. No judgment. No complicated systems. Just a practical, human approach to

Here’s What You’ll Learn

Part 1: Why Most People Are Bad With Money, And It's Not Their Fault
  • How your upbringing shaped your money habits
  • Why earning more rarely solves the problem
Outcome: You'll finally understand your own money behaviour and stop blaming yourself for it.
Part 2: Where Your Money Actually Goes
  • The money audit: tracking without guilt
  • Fixed vs variable expenses the difference that changes everything
  • How to spot your money leaks (including the ones you don’t notice)
Outcome: You'll see, probably for the first time, exactly what's happening to your money every month.
Part 3: Building Your Intentional Spending Plan
  • Live walkthrough of the Intentional Spending Planner template
  • Why this is NOT a budget and why that matters
  • The 4 buckets: Needs / Wants / Savings / Future You
  • Setting real numbers for your real life
Outcome: You'll leave with a completed plan you can actually follow not one that makes you feel like a failure by week two.
Part 4: Saving — The Right Way
  • Why the emergency fund comes before everything else
  • How much to save and where to put it
  • Automating savings so willpower isn’t required
Outcome: You'll have a savings system that works even when motivation runs out.
Part 5: Debt — Getting Out and Staying Out
  • Good debt vs bad debt — the honest version
  • The two methods for paying it down, and which suits your personality
  • Buy Now Pay Later: the silent budget killer
  • How to stop a debt cycle without the shame
Outcome: You'll have a clear, realistic debt plan and the mindset to stick to it.
Part 6: The Money Mindset Shift
  • Spending with intention, not guilt
  • How to talk about money with a partner
  • What financial freedom actually feels like day-to-day
Outcome: You'll walk away with a completely different relationship with money.

The Group Accountability Call

2–3 weeks after the masterclass

This is what makes this different from anything else out there.

After the masterclass, you fill in your Intentional Spending Planner. You live with it for two to three weeks. Then you bring it back — and we review it together as a group.

You’ll share what surprised you. What you changed. What you’re still struggling with.

And Luca responds live — coaching on real numbers, real situations, real life.

You’ll quickly realise you’re not alone. And that is worth more than any pre-recorded course.

What happens on the call:

Quick recap of the key principles (10 mins)
Group sharing: participants present their planner and what they discovered (30–35 mins)
Live coaching from Luca on real situations
Your 90-day action plan: what to do next (15 mins)

Everything You Get

90-Minute Live Masterclass Recorded with lifetime access
The Intentional Spending Planner
A fillable template covering income, expenses, savings gaps, debt, and your 90-day financial intention
Group Accountability Call Live coaching on your real numbers not hypotheticals 2-3 weeks after the masterclass
Access to Luca's Money Hub Community 150+ members. Ongoing support, weekly market updates, and a community that talks about money honestly.

Total Value: €250+

Today: €99

▬ About Luca ▬

Meet Luca Caruana

Luca Caruana is a Certified Money Coach (CMC)® and one of the leading voices in financial education in Malta and across Europe.

He has coached over 300 clients one-on-one, delivered workshops to 1,000+ participants, and spoken at organisations including HSBC and PwC.

But what makes Luca different:

He is not a bank. He is not a broker. He does not sell financial products.

He is someone who has sat across from hundreds of people who earn well, feel confused about money, and are too embarrassed to admit it.

This masterclass is built on everything he has learned from those conversations.

His mission through Money Coaching Hub and Monipal is simple:

To make money management feel human, honest, and actually achievable.

Who This Is For

  • Professionals who earn a good salary but feel privately confused about where it goes
  • Anyone who has tried budgeting before and given up
  • Couples who want to get on the same page about money
  • People who want to start investing but know they need to sort the basics first
  • Anyone who has debt they want to tackle with a clear plan
  • People who are tired of feeling guilty every time they spend

No prior financial knowledge needed. This starts from zero and builds from there.

A young woman joyfully holding Euro bills in her hands, standing outside with a confident expression, symbolising quick and easy cash opportunities.
▬ Testimonials ▬

Real Results. Real People.

Your Money Deserves a Plan. So Do You.

This is not about sacrifice. It is not about cutting out coffee or pretending you don’t enjoy life.

It is about understanding your money, making intentional decisions, and building a life where you are in control not the other way around.

For €99, you get a 90-minute masterclass, a tool you’ll use for years, and a group accountability call with real coaching on your real numbers.

Spots are limited. Once they’re gone, they’re gone.

Hurry Up Time Is Running

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Luca Caruana is a Certified Money Coach, not a licensed financial advisor. This masterclass is educational in nature and does not constitute personal financial advice.

▬ Testimonials ▬

What others say about Luca and Julia’s coaching

Still Unsure?

If you’ve been wanting to start investing but felt overwhelmed by where to begin – this is your chance. We’ll be with you live every step of the way, no jargon, no fluff – just clear, guided action.