How Money Master Moms Was Born

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.

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:

This is how Money Master Moms was born.

It’s a vibrant, heart-centered community where moms from around the world come together to conquer their finances and claim their clarity and freedom.

It’s a space where I share everything I've learnt through the years of financial self-education (and isn't any education self-education, really?).

And finally, it’s a place where every mom can get the support, guidance, and inspiration she needs to keep mastering her money game.