Learn about Viktoria's journey to money management success and the founding of Money Goddesses
Picture this: a bright-eyed, 16-year-old girl named Viktoria (yup, that’s me!) meets one of the most beloved actors in her home country. He was a legend, admired by millions, and there I was, standing in front of him, starstruck. I mean, completely paralyzed. With a warm smile, he handed me his autograph, inscribed with the words, “Viktoria, I wish you freedom”:
Freedom? What did that even mean? 🤨 I was a teenager with all the normal teenage drama in my life, what the heck is this freedom thing about?
Anyway, I tucked it away like a treasure, not having a clue these words would become my guiding light in life.
Fast forward to my university days.
Unlike most local schools where schedules are as rigid as concrete, my university let me choose my own courses and schedule. It was my first taste of freedom, and oh boy, was it sweet.
I packed my classes in 3 days and traveled to spend the rest of the week with my beloved one (now my husband).
But then came the corporate grind - a world where freedom seemed like a distant dream. I was stuck in an office from 8am to 6pm, living for weekends, and my soul craved more.
So, I made a bold move.
I quit the corporate world at the height of my career (I was the General Manager of Marketing and Advertising for a furniture store chain at only 29 years of age!) and jumped into freelancing.
Scary?
Aboslutely!
But the freedom?
Pure bliss!
I could work from anywhere, set my own hours, and say yes to projects that lit me up.
I didn’t stop there.
I went back to school, earning my Master’s degree in Psychology and Business while pregnant with my second child, from Varna Free University.
Yep, “free” is in the name for a reason - it’s all about liberation. 🗽
But let’s keep it real.
Even with all these wins, I hit a major roadblock: our family finances.
Even with my background in accounting and multiple finance courses under my belt, I found myself constantly stressed about money. It felt like no matter how much income we brought in, it was never enough.
It was simply disappearing into thin air!
Bills piled up, savings were a joke, and financial stress was a constant shadow over our lives.
Not to mention the age-old mindset I've inherited like most other people that continuously whispered in my ear "There's not enough money going around..."
Bottom line, I felt like a total failure, and it broke my heart. 💔
There were nights I sat at the kitchen table, surrounded by bills and financial statements, feeling utterly defeated.
I couldn’t understand why I was struggling so much.
There I was - young, making decent money, taking care of my family, full of energy and creative ideas, and still not being able to wrap my head around managing our money.
I felt like I was letting my family down, and the weight of that failure was excruciating.
But giving up was never an option.
For my daughters, Emma and Eva, and for our future, I knew I had to find a way.
In the midst of a thriving freelancing career combined with growing a family and all the efforts and attention those two were requiring of me, I made the time to educate myself on money, so that I can finally make a breakthrough.
📚 I decided to immerse myself in learning everything I could about personal finance.
I devoured dozens of books, listened to numerous podcasts, attended seminars - live and virtual - and completed several courses led by renowned financial experts.
Slowly but surely, I began to piece together the puzzle of personal finance.
I learned about budgeting, saving, setting financial goals, automating processes, and investing smartly.
Knowing the theory, however, was not enough. It never is.
So, I started implementing these strategies in our daily lives.
I figured out what our current family's net worth was.
I strategized about our future goals - short-and-long-term.
I designed a plan how to get there.
I started tracking our expenses to understand our money spending habits.
And boy, did I design one of the most complex financial flow spreadsheets you'll ever see...
It wasn’t an overnight transformation, but gradually, things began to improve.
I formed a loving relationship with the numbers in our bank accounts and that shiny spreasheet (you have no idea how important this relationship is!).
I witnessed on a monthly basis how our earnings-to-spending ratio improved.
I jumped with joy when the amounts set aside for saving and investing started to increase considerably.
Slowly, with some adjustments and clarity on what we were doing, we went from living paycheck to paycheck to having a solid savings plan and investments for the future.
For the first time, we weren’t just surviving - we were living.
Not only were we able to stay debt-free and save some freakin' 80% of our income (HELLOOO!!!), but we started going on multiple vacations every year to European cities, beautiful places, and amazing Greek islands with turquoise waters and ... oh, dear, you get my point.
Me and hubby in Thassos
The change was nothing short of miraculous.
Financial stress?
Gone.
Instead, we had clarity and freedom - the kind that lets you enjoy life, be present with your kids, and dream big. 🌌
We were living our best lives, and I knew I had to share this journey with others.
And, honestly, it was never about how to make more money - anyone can figure that out.
It was all about gaining the clarity and knowledge of how to play the money game without feeling stressed or overwhelmed.
Without having to struggle with ambiguous financial terms and complex Wall Street jargon.
Just simple, actionable insights on how to take care of your money, so they can take care of you and your family in the future.
As I started talking with close friends and relatives, I realized there were many mothers just like me, struggling to manage their family’s finances despite their best efforts.
I had one-on-one private coaching sessions with gorgeous ladies who were thrilled to learn that moms, too, can master the money game easily and with grace.
That it's not rocket science, once you filter out the unnecessary complexities and focus on the things that make the biggest impact.
And that we don't need to learn and apply super complicated investing strategies.
On the contrary, we can eliminate the hassle and simply focus on a couple of formulas that work best for us and our families.
And we just need someone to share these with us and show us the options we have.
Simplify to amplify.
Later, I began leading live seminars on personal finances and was also surprised to see that even people who thought they were financially literate found immense value in the information and tactics I was sharing.
Here's what one attendee had to say:
"I thought I know a lot about money, but Viktoria's seminar took my understanding to a completely new level. On a 10-point scale, I'd say that my knowledge of personal finances is now 5 points higher than before. Truly amazing and eye-opening!"
Violet M.
Live seminar attendee
The extremely positive feedback I was constantly getting reconfirmed my desire to share what I've learned with even more women, so that they, too, can finally master the money game and put order in their family's finances.
This is how Money Master Moms was born.
It grew into a vibrant, heart-centered space where moms from around the world gathered to put their family finances in order with clarity and confidence.
I shared everything I'd learned through the years of financial self-education (and isn't any education self-education, really?).
As I coached more moms, a deeper pattern emerged: this wasn’t only about budgets and spreadsheets — it was about identity, values, and the courage to claim a new story.
That insight became the seed of my book, Unleash Your Inner Money Goddess: Ancient Female Wisdom for Modern Wealth.
Writing it was a transformational journey in itself.
I distilled years of study and lived experience into a framework that blends practical, beginner-friendly money strategy with timeless feminine archetypes, so women can align actions with values, build wealth calmly, and lead from inner wisdom — not fear.
Publishing the book changed the shape of the mission.
Money Master Moms had always been about capability.
But the book invited something bigger: embodiment.
We weren’t just “mastering money” anymore — we were becoming Money Goddesses: women who pair clear, simple financial systems with grounded confidence, elevated mindset, and supportive sisterhood.
To carry this vision forward, I created a new home for us: the Money Goddesses community on Skool.
It’s where financial education, soulful practices, and sisterhood come together to support your journey.
Inside, you’ll find:
✨ Courses & Challenges to deepen your financial skills while honoring your intuition.
🌸 Guided practices & rituals that connect money with mindset, energy, and empowerment.
🤝 A thriving sisterhood where women uplift one another, celebrate wins, and grow together.
This is your invitation: step into your Money Goddess power.
Join us on Skool and be part of a movement where money mastery meets feminine wisdom, and where your abundance becomes unstoppable.
And that actor's autograph from the beginning?
Those words turned out to be more than a keepsake; they became a prophecy.
Today, Money Goddesses is how we pass that freedom forward — financially, emotionally, and spiritually — one wise, empowered woman at a time.
VikC | Viktoria Chervenkova
THE MONEY GODDESS'S GUIDE
Wife.
Mom of 2 beautiful daughters.
Lover of chocolate and flavored coffee.
Marketing Manager with 20+ years of experience.
Insatiable student of life, money, psychology, mythology, consciousness.
Traveler.
Dancer.
Avid book reader.
Author.
Guide.
If you're feeling the spark to take that first empowering step toward financial mastery, I’ve got something just for you.
I recently published a book created especially for women like you — moms, dreamers, and doers who are ready to take control of their money story and build real, lasting wealth.
Unleash Your Inner Money Goddess: Ancient Female Wisdom for Modern Wealth blends timeless goddess archetypes with smart, modern financial strategies. It’s part inspiration, part practical guidebook — and all about helping you build confidence, clarity, and control over your financial life.
Whether you're brand new to managing money or you've tried before and felt overwhelmed, this book will walk you through the first steps of your journey with ease, encouragement, and zero judgment. You'll learn to break free from old money beliefs, understand the basics of saving, budgeting, and investing, and most importantly — rewrite your financial story on your terms.
✨ And if you’re a Kindle Unlimited user, it’s completely free to download right now.
But if you’re ready to go even deeper — if you’re truly committed to changing your financial future — I’ve also created something bigger.
My Unleash Your Inner Money Goddess Program is a full transformation experience. With four powerful modules, self-paced video course, guided meditations, hands-on exercises, live coaching, a private community, and so much more — it’s your ultimate path from surviving to thriving. From fear to flow. From financial confusion to absolute clarity.
This isn’t just information — it’s a full empowerment journey.
And it’s waiting for you.
👉 Start living like the Money Goddess you truly are