Doors are closed for 2021, but you can always join the waitlist for Jan 2022


Giving millennials who live ‘out of the box’ control over their financial future.

👉 A 90 day, 1-on-1 coaching experience for creative entrepreneurs and other ruckus raisers who want to ditch the debt and live a life they love.

⟹ Join the 2022 waitlist

It’s getting harder to get ahead.

You're an ambitious side-hustler, creative or entrepreneur, dreaming of living a big, bold life…a life free of feeling like you’re being haunted by debt, a lack of savings, and that shame that someone will find out.

You read every blog with a title like ‘5 ways to save’, listen to the occasional finance podcast, and have had some success setting a budget. 

But, no matter what you do, it never seems to be enough.

You know that the cost of living is rising, and salaries aren’t keeping up. The 9 to 5 probably isn’t your style, but even if it is, you know it’s going to be an uphill battle to get to where you want to go.

Maybe you’ve asked a parent, trusted family friend, or financial professional how they got ahead.

“You just need to stick to your budget and skip the iced lattes.”

Ok boomer.

The message is clear: what worked for our parents won’t work for us.

TLDR: It’s not your fault. Most financial literacy education sucks. You’ve been feeling out of control with your money, feeling ashamed of the state of your bank accounts and credit cards. But now, you’re ready to get your financial shit together.

We can help.

If you’re reading this, I have a feeling we have something in common.

Hi, I’m Cindy, CEO of MakeCents and head Coach for Money masterplan.

If you’re going to let me be your no-nonsense best friend in finance, it’s time we got to know each other.

Before I harnessed control over my cash flow I was an anxious mess - frantically trying to keep out of overdraft and blindly waiting (wishing) for my next paycheque.

That’s why I created this coaching program.

Living paycheque to paycheque, I was vulnerable to unforeseen, expensive surprises. I realised that most standard budgets only give you part of the story. They’re built for a world where everyone lives the same way - with no surprises.

I wanted more.

I wanted a tool that would allow me to see into my financial future.

A crystal ball that would allow me to easily plan out and anticipate every dollar I need to earn and spend months - and even years - into the future!

As an entrepreneur, my lifestyle and income didn’t look like the regular 9 to 5. I felt like the standard approaches to finance couldn’t help me set meaningful and realistic income and spending targets. 

I didn’t want to find myself looking around in my 30s and beyond, trying to achieve my big dreams, maybe approaching major life changes, but with no clear path through the financial maze of adulthood...

So what wasn’t working?

Like most people, I wasn’t taught the basics of financial planning and literacy at school. So my first step was to get educated!

I spent years becoming an expert in all things personal finance and obtained my designation as a Certified Financial Planner, so that I could share everything I learned with my peers and clients in a simple and approachable way. 

I spent some time in the industry, and it didn’t take long to realise that traditional bank advisors don’t actually care about educating their clients. They’re driven to fill sales quotas. They use sneaky tactics to make you uncomfortable with managing your own money. That way, you’ll take whatever advice they give and hand over control of your cash.

I realised that millennial money problems can only be solved with an inclusive, empathetic, millennial mindset. 

Education is the key. 

But the good news is, you don’t have to go it alone like I did.

You have everything you need to make sense of your money.

You just need guidance, support, and a little tough love to help you get your financial shit together.

  • Join a safe, judgement-free zone to share your financial concerns and think about your goals.
  • Build your knowledge of the financial literacy basics, and gain the skills to engage in meaningful conversations about money.
  • Stop avoiding your financial realities, and get crystal clear on exactly what your life costs (and therefore what you need).
  • Feel prepared to manage life’s surprises and financial challenges, by using carefully designed tools to plan out your financial life months ahead of time.
  • But! Don’t feel locked in by restrictive budgeting. Get the tools you need to live your life to the fullest, within your means.

Meet our financial coaches.

They'll teach you how to build a budget you'll actually stick to, pay off debt, and invest like a pro.

Cindy Marques

Cindy is a Certified Financial Planner® who has been helping Millennials kick their finances into high gear for over 4 years. Nothing brings her more joy than seeing her clients’ faces light up with those “holy crap this money thing finally makes sense!” moments 🤯

Melissa Allen

After years of building her own investment portfolio (on a young professional’s budget), Melissa became passionate about sharing everything she knows about personal finance, investing, building generational wealth, and creating a legacy that will positively impact our families and communities for decades to come.

Introducing the Money Masterplan process

The 3-month, 1-on-1 tailored coaching program for budding entrepreneurs who want to maximize their financial potential so they can master their goals and live life financially free.

Your first 30 days

✅ 90-minute discovery call

Let’s get clear on your goals. This is our opportunity to deep dive into all of your numbers, goals, and concerns. 

Following your call / Within your call start to work on your:

  • Cash Flow Plan
    Most spreadsheets suck. Ours don’t. You’ll get a fully customized cash flow plan built around your needs and goals.
  • Debt Elimination Strategy
    A tailored approach designed to complement your cash flow plan and keep you on track to ditch the debt quickly and efficiently!
  • Investment Projector
    Take a peek into your future and the financial freedom that your savings potential can provide!

✅ 90-minute plan review

In between your discovery call and plan review, we’ll pull together a comprehensive financial plan for you to master. In this call, we’ll go through your plan in detail, discuss tailored strategies to achieve it, and tackle any concerns.

Days 30 to 90

✅ 2 x 2-hour strategy sessions

Everyone’s needs and financial priorities are different. That’s why you get to choose your focus for sessions.

  • Bookkeeping and Taxes 101
    Go deep on invoicing, pricing, expense tracking, HST, biz registration, incorporation and tax prep.
  • Map Your Financial Priorities
    Work with your coach on a quantitative and qualitative assessment of renting versus buying, starting a family, going back to school, starting a business, or whatever else you want from life.
  • Investing and Savings 101
    Get a better understanding of the different products, account types and platforms you can use to invest and grow your savings. Assess your own risk tolerance and review tailored projections and scenarios based on investment strategies that might work for you.
  • Retirement and Risk Management
    Let’s take a closer look at your corporate pension and insurance benefits. We’ll discuss your personal insurance needs, and you’ll get a better understanding of the federal pension, your retirement objectives, retirement strategy and more.

Plus you get...

✅ Ongoing text support

  • Slide right into our coach’s DM’s for ongoing support in between sessions. We use WhatsApp to support you, answer questions, and keep you accountable over the duration of the 3-month coaching program.

✅ Monthly Coffee Club (Jan 2022)

  • Meet with your peers in a monthly group meeting. Your coach will host the conversation where you’ll all share the top tips and tricks you’ve learned and the challenges you’re working through.
  • Enjoy the support and feedback from your peers in similar situations, and take the opportunity to network with like-minded, ambitious entrepreneurs and creatives.


✅ Priority access and exclusive discounts on all future events and products

Financial confidence isn’t a ‘one and done’ affair. It’s lifelong evolution. 

As we develop new educational resources, events, and coaching offers, you’ll be the first in line. Plus, as we’re financial besties, we’ll hook you up with sweet deals on all our goodies.

⟹ Join the 2022 waitlist

What’s included

  • 4 x 1 on 1 coaching sessions with an accredited Financial Professional.
  • Tailored education based on your needs.
  • Practical tools including a 12 month cashflow plan, Debt elimination strategy and Investment planner, each supported with video tutorials.
  • A comprehensive and easy-to-follow tax prep and bookkeeping guide.
  • A customized and strategic action list with step-by-step guides on how to put your plan to work.
  • Personal WhatsApp text support in between sessions.
  • More financial control and a stronger sense of financial confidence to live life on your own terms.


Coaching Success Stories

"Finding MakeCents allowed me to completely turn everything around. Once I was paired with my coach Cindy, we broke all of my finances down in a way that initially I thought would scare me, but actually made everything so much simpler. I was given the organizational tracking tools to understand my money flow inside and out and along the way I received so much education from Cindy about how to manage my money. ⁠"

- Cat

"A big reason I decided to pull the trigger and work with MakeCents was to start LIVING instead of waiting until I had everything paid off. Despite knowing my girlfriend was the one I wanted to spend the rest of my life with, I had put off proposing. After working with MakeCents I paid off ALL of my credit card debt and ended up proposing by the end of the year... and it was amazing!⁠⁠"

- Jon

"Before working with my financial coach I saw money as something that brought me a lot of stress and anxiety. Now I feel lighter and I’ve been able to achieve quite a few of my goals. It’s given me peace of mind. ⁠"


Are you ready to take your first steps away from financial confusion and toward financial freedom?

We know how precious your money and time are, so here is what you can expect. 

  1. If you choose to sign up now, you’ll be taken to a simple check-out page.
  2. We will collect your payment and contact information.
  3. The payment will process through our system.’re in!

Your welcome will include,

  • A personal welcome from our Founders: Cindy Marques and Britney Mackey.
  • The option to choose your coach, based on their availability. Don’t worry, everyone gets a coach.
  • A complimentary digital copy of our company’s former magazine, loaded with useful information and amazing articles.
  • Instant access to your coach via WhatsApp.
  • A feeling of pride! You’re finally taking your money matters into your own hands!
⟹ Join the 2022 waitlist

Your questions answered

When it comes to financial decisions, we 110% support you asking all the questions you need to.

Our promise

We’re not your parent’s money guru. We’re your peers, who also happen to be highly qualified, fully certified financial professionals.

When you work with us, we guarantee you’ll get,

  • A judgement free zone, where we ban financial guilt and shame.
  • Full free transparency.
  • ZERO sleezy or hidden sales tactics. We’re here to offer unbiased advice, not sell you insurance or financial products (unless you need them).
  • Confusion-free empowerment and clear guidance.

Ready to join the Money Masterplan?

Pay in full option


Tax included

  • SAVE $100
  • 4 x 1-on-1 coaching sessions with an accredited Financial Professional
  • Tailored education based on your needs
  • Practical tools supported with video tutorials
  • A comprehensive and easy-to-follow tax prep and bookkeeping guide
  • A customized and strategic action list with step-by-step guides
  • Personal WhatsApp text support in between sessions

3-month payment plan


Tax included

  • 4 x 1-on-1 coaching sessions with an accredited Financial Professional
  • Tailored education based on your needs
  • Practical tools supported with video tutorials
  • A comprehensive and easy-to-follow tax prep and bookkeeping guide
  • A customized and strategic action list with step-by-step guides
  • Personal WhatsApp text support in between sessions

What does taking control of your financial future look like?

Let me tell you a story.

Hi, I’m Brit and, alongside Cindy, I’m the other half of the MakeCents leadership team.

I’m not the financial guru half. I’m the reformed financial mess half who now focuses on growth - for MakeCents, and all the entrepreneurial go-getters and side-hustlers we support. 

I wasn’t really made for a cookie-cutter 9 to 5 life, so traditional financial advice never felt like it fit.

Which is why, a number of years ago, I found myself $25,000 deep in debt.

I sat with the shame for years. I couldn’t talk about it, and didn’t want to face the judgement of my family or friends if I opened up. Until I was introduced to MakeCents (back when it was Paper and Coin). 

As soon as I’d shared my secret, I felt relief. With that weight lifted from my shoulders, I felt a new energy to take control of my future.

We made a plan to get me out of debt, and I threw myself into it with gusto. 6 months (and a lot of hard work) later? I’d paid it off.

That time changed the way I looked at the world. I realised that financial success with a 9 to 5 isn’t possible for everyone. You need a plan B, C or even D to live the life you want. You need creative skills to reach your goals, but first you need to know what those goals are.

Financial coaching with a peer will give you the skills you need, and get you moving in the right direction. We can give you the momentum. It’s your job to keep moving.


Giving millennials who live ‘out of the box’ control over their financial future.

👉 A 90 day, 1-on-1 coaching experience for creative entrepreneurs and other ruckus raisers who want to ditch the debt and live a life they love.

⟹ Join the 2022 waitlist