Estelle Marais Money Coach

Estelle Marais Money Coach We help people change the way they think about money in in order to change the results they have in their personal financial life. Online service

You can start transforming your relationship with money TODAY!

16/07/2025

You can rewire for Financial Success

Your brain is shaped by experience, and it’s constantly changing.
One of the most important discoveries of the last century is that the adult brain is plastic. So, what that basically means is, yes, you can teach an old dog new tricks.
If you aren’t getting the desired results, consider your habits and mindset. If you can change your habits and mindset, could your results improve? With a coach by your side, it is possible to align your habits, mindset, and biology with your desired results.
If you’re ready to get the results you want, message me. I’ll explain how the process works.

Your Behaviour is not just behaviour. It's rooted in Biology.Previously, I shared a story about my great-grandmother’s t...
11/07/2025

Your Behaviour is not just behaviour. It's rooted in Biology.

Previously, I shared a story about my great-grandmother’s time in a British concentration camp during the Anglo-Boer War – and how the silence of that trauma shaped generations of frugality.

Some money habits aren’t just habits.
They’re born out of nervous system responses which can be passed down through generations.

(Yes, you read that right. Scientists call it epigenetics. If you don’t believe me, Google it).

Anxiety around money issues is not always a “money mindset problem.”
It can be a survival strategy inherited from a time (even a time in the life of a grandparent or great-grandparent) when being careful meant staying alive.

In other words:
If you’re stuck financially despite being intelligent, educated, and driven – the problem may not be only in your behaviour. It may be biologically driven.

So, if you're judging yourself for not “just being better with money” – stop. In behavioural money coaching, we work not just with numbers but also patterns and stories. The things we carry without knowing. Then we construct strategies to disrupt the old pattern of struggling and create a new process of flow.

Real financial freedom doesn't start with a budget.
It starts with clarity.

They’re born out of nervous system responses, which can be passed down through generations.lHeldBack

𝙏𝙝𝙚 𝙑𝙚𝙡𝙙 𝙒𝙖𝙨 𝙒𝙝𝙞𝙩𝙚My grandmother’s mother – my great-grandmother – was taken from her home to a concentration camp durin...
09/07/2025

𝙏𝙝𝙚 𝙑𝙚𝙡𝙙 𝙒𝙖𝙨 𝙒𝙝𝙞𝙩𝙚

My grandmother’s mother – my great-grandmother – was taken from her home to a concentration camp during the Anglo-Boer War.

On the way there, she and her family saw the veld covered in white.

At first, they thought it was snow.

But it wasn’t.

𝙄𝙩 𝙬𝙖𝙨 𝙩𝙝𝙚 𝙗𝙤𝙙𝙞𝙚𝙨 𝙤𝙛 𝙙𝙚𝙖𝙙 𝙨𝙝𝙚𝙚𝙥.

As part of the British military strategy, during the Anglo-Boer War, farms and homes had been burned, crops destroyed, and livestock shot. Everything was destroyed – homes, food, security, the future.

My father told me this story. He said his grandmother never spoke about the British. Not once. The pain was held silently, but the impact was passed down visibly.

My grandmother was frugal in ways I didn’t understand as a child.

My father is the same.

And in many ways, so am I.

We didn’t grow up talking about intergenerational trauma. We just knew you didn’t waste. You didn’t throw away a breadcrumb if it still had value. You saved. You kept. You were careful. Because you never knew when everything could be taken from you again.

This is what Malcolm Gladwell calls a 𝙘𝙪𝙡𝙩𝙪𝙧𝙖𝙡 𝙡𝙚𝙜𝙖𝙘𝙮 – a deep pattern that outlives the original event. Even when the war is long over, the response to it lives on.

I see this again and again in my work as a Money Coach.

People feel shame for the way they handle money – whether they overspend, hoard, avoid, or freeze – because they carry emotional legacies that were never truly theirs to begin with.

What we think is a “money problem” is often an inherited survival strategy.

But the beauty is this:

Once we can see the story, we can decide how it ends.

I now work with professionals who feel stuck in financial fog – not because they’re careless, but because they carry layers of inherited patterning, unspoken fears, and old survival rules.

If that sounds like you, know this:

You’re not broken.

You’re not behind.

You’re just carrying more than your share – and it’s okay to set it down.

📷 Pictured are my great-grandparents with my eldest cousin.

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📢 Huge congratulations to Alex Partridge on winning the Best Podcast Award for his ADHD-focused podcast! 🎉 This achievem...
12/10/2024

📢 Huge congratulations to Alex Partridge on winning the Best Podcast Award for his ADHD-focused podcast! 🎉 This achievement not only highlights his hard work and dedication but also shines a well-deserved spotlight on the importance of neurodivergence awareness. As a financial planner who works closely with neurodivergent professionals, I see firsthand the unique strengths and challenges that come with ADHD and similar conditions. Alex’s work is inspiring, helping to educate, empower, and create a more inclusive space where neurodivergent voices are celebrated. Here's to more awareness, support, and success stories like Alex's! 🌟

I can’t believe it! 🤯🤯🤯

ADHD Chatter won ‘Podcast of the Year’ at the bCreator awards!

This award is for ALL the late diagnosed ADHDers. It’s for anyone who’s been called ‘too sensitive’ or ‘too much’.

None of us are broken, we’re different. We are ALL enough!! 💚💚💚

A massive thanks to my AMAZING community of ADHDers, my manager Niamh, my amazing producer Timon Woodward, the incredible team at Hamlin Studios & trailer editor extraordinaire, Ryan!

And last but definitely not least, to my amazing family and my very understanding partner Tanya! ❤️❤️

This is only the beginning! 💚

As a church organist, I attend many funerals. Witnessing others saying goodbye to their loved ones is always touching an...
17/09/2024

As a church organist, I attend many funerals. Witnessing others saying goodbye to their loved ones is always touching and sometimes even deeply saddening. No two funerals are the same. Sometimes it is clear that those saying goodbye, have peace. Inside the resistance to what is happening is the first stirrings of acceptance. In those cases, it is usually also clear how much gratitude is felt. Gratitude for the time they had, gratitude for the life that was lived, gratitude for the love that was shared. We are grieving, but we are thankful. And we can let go and move on with hope.

But I’ve also witnessed the other side—families struggling with unresolved feelings of blame, resentment, and even anger. These emotions can make the pain unbearable and overshadow the chance to focus on gratitude, celebrating life, and accepting new circumstances.

What I have learned from these experiences, I can sum up as follows:
🔹Let go of what you cannot control, holding on will only hurt more.
🔹Do everything you can to make it easier on your loved ones when you fall away.
🔹Let the focus of your life be gratitude.
🔹Cherish the beautiful moments.
🔹Hold on to hope.

A will can be one of the greatest gifts you leave behind. It’s a way to ensure that your family has peace and clarity in a time that’s already emotionally overwhelming.

Without a will, uncertainty and confusion can lead to unnecessary conflict, resentment, or even anger among family members. Without clear guidance, the focus can shift away from gratitude and toward unresolved questions, making a difficult time much harder.

Drafting a will isn’t just about legalities—it’s an act of love. It’s a way to offer your family the gift of clarity, peace, and space to grieve without added burdens. You’re helping them let go of what they can’t control and focus on what truly matters: the time you shared.

Talk to me today if you have not yet prepared for when you are no longer here.


This is a very good read on investment and, importantly, what investment is not.
07/03/2023

This is a very good read on investment and, importantly, what investment is not.

Why you shouldn't be treating the market like a casino.

01/07/2022

Many people postpone drafting a will because they want to avoid making the difficult decision of choosing a guardian for their children. Nobody can ever replace you as their parent. What you may not realise, is that by avoiding that decision you are making a decision. You are choosing the government as your children's legal guardian in the event of your death.

Done is better than perfect. You can always change your mind in the future and update your will. You can never go back in time.

30/06/2022

Today we celebrate 5 years of having this loving soul in our lives. Five years went by𝗜𝗡 𝗧𝗛𝗘 𝗕𝗟𝗜𝗡𝗞 𝗢𝗙 𝗔𝗡 𝗘𝗬𝗘. (I cannot ...
06/06/2022

Today we celebrate 5 years of having this loving soul in our lives.

Five years went by
𝗜𝗡 𝗧𝗛𝗘 𝗕𝗟𝗜𝗡𝗞 𝗢𝗙 𝗔𝗡 𝗘𝗬𝗘. (I cannot even put into words how FAST 5 years went by!!) Looking at these pictures I am bursting with gratitude for every day, every moment with my family.

This is my reminder to live each day with gratitude, to be present in the moment because this moment is my life, and to live, laugh and love without reservations.

𝙇𝙞𝙛𝙚 𝙞𝙨 𝙩𝙤𝙤 𝙨𝙝𝙤𝙧𝙩 𝙩𝙤 𝙘𝙧𝙚𝙖𝙩𝙚 𝙖𝙣𝙮𝙩𝙝𝙞𝙣𝙜 𝙗𝙪𝙩 𝙗𝙚𝙖𝙪𝙩𝙮 𝙖𝙣𝙙 𝙝𝙖𝙥𝙥𝙞𝙣𝙚𝙨𝙨.
Armandt Marais Estelle Loubser-Marais

Address

127
Potchefstroom
2531

Opening Hours

Monday 09:00 - 16:00
Tuesday 09:00 - 16:00
Wednesday 09:00 - 16:00
Thursday 09:00 - 16:00
Friday 09:00 - 16:00

Telephone

+27842556376

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