Walking With You In Your Money Adventure
Meet The Coach
Behavioural money coaching is about helping identify strengths, unlock passions, and transform your relationship with money. It’s about moving forward. It’s about taking control.
Nikki Gajoo Frielinghaus
I am a Certified Money Coach (CMC)® and a Certified Financial Planner(CFP)® by profession.
My journey to become a Certified Money Coach (CMC)® started whilst running and practising financial planning within a wealth management practice. Over the last few years I have had the honour and privilege to work with many clients from all walks of life, and have supported them on their financial journeys. During this time, I have observed that many clients struggle to commit to their financial plans over a long term period and have often questioned this? Over time and with lots of introspection, I realised that the reason why many clients are unable to stay the course when it came to their financial plans is because of their current and past emotions, thoughts and behaviours around their relationship with money. I realised that I needed to find a new way to help clients achieve their financial goals and stay committed to the course. My search was further intensified during the pandemic. During this time, many of my clients lost between 5-40% of the investment value of their portfolios. Many clients were retrenched or had to take pay cuts. This all changed client’s financial goals and plans. Working with clients during the pandemic became very challenging. Conversations became more emotional and clients were frankly not interested in financial advice. They were looking to me for safety and reassurance that all would be well with their portfolios or financial plans and goals. All the technical knowledge I had was of very little value to my clients. My search for a better way forward for my clients became more urgent. This led me in the direction of The Money Coaching Institute and their teachings.
I experienced the Money Coaching accreditation as an intense programme with invaluable learnings. As part of the accreditation I also had to work with a Certified Money Coach (CMC)® to tackle my own money story via the four step core process. Even though this process was emotional for me and very painful at times, this process changed my life. My relationship with money will never be the same and I have a far better understanding of my own emotions and thoughts around money. This process also reaffirmed that the Money coaching teachings would be able to bring greater financial success for my clients. I am of the opinion that every client should first engage with a Certified Money Coach to work through their emotions, behaviours and thoughts around money and then engage with a Certified Financial Planner. This will certainly guarantee greater success as clients embark on their financial planning journey.
South Africa as a country is very young in its democratic journey. Due to the financial and economic inequalities of the past, South African’s have unique inter-generational money stories. Working with fellow South Africans has equipped me with a wealth of diverse experience which enables me to work with clients locally and internationally. I am passionate about empowering clients write their new money stories and I look forward to working with you and humbly learning from you.
I wasn’t aware of money coaching until I met Nikki Gajoo. I would like to say thank you Nikki for being human before being a coach. That made the process easy for me. My money coaching journey was a very tricky one because I did not grow up in a standard family setup (Mom, Dad and Kids).Money coaching made me dig very deep in my past to make me understand where all my money patterns or behavior (both good and bad) comes from. While doing all the exercises I got all mixed feeling of anger, frustration, emotional breakdown, regrets, excitement, laugher, crying and it’s because the exercise was revealing the truth about my money history and current patterns. Nikki made me feel at ease and never once did I feel like I was judged for anything I said to her. She made the space very safe for me to say everything and anything that I felt inside me. Most importantly she changed my thinking around money and also helped me find peace and forgive myself for my past money mistakes.
I would recommend her to anyone who needs assistance with money issues and changing how they view money.
The Money Coaching Institute
The Money Coaching Institute was the first company to train in this field and has an outstanding reputation globally. Money Coaching is an entirely new field and paradigm developed by Deborah Price, author and founder of The Money Coaching Institute. She is one of the leading experts and pioneers of the field of behavioural money coaching and has been featured on numerous radio talk shows, public speaking engagements, and national television.
Coping with money issues, both practically and psychologically, continues to be a major life struggle for millions of people and yet, there is very little help available. The mission of the Money Coaching Institute is to fill this greatly needed gap by becoming an internationally recognised centre for creating more purposeful and prosperous lives through education, awareness and empowerment.
Our unique coaching programs help clients to solve common problems associated with money choices, patterns, and the day-to-day management of money issues. People often have unconscious patterns, beliefs and behaviours around money that prevent them from fully experiencing their true potential. Money Coaching assists individuals in identifying and moving beyond these restrictions. This can result in much greater personal satisfaction, increased abundance, and enhanced success in life.
The Money Coaching Institute provides the following programs and services:
Individual & Couples Money Coaching
Business Coaching and Consulting
Workshops and Seminars
Coaches Training and Development
The Money Coaching Institute is an international community with Certified Money Coaches (CMC)® in 14 countries including the USA, Canada, England, France, Australia, Brazil, Hong Kong, Singapore, Indonesia, South Korea, Malaysia, South Africa, Botswana, and Jordan.