Hello. I'm Santis O'Garro, The Founder of The Budget Mindset Club. The journey starts with my own story. I never understood the incredible benefits of budgeting and using my money to create positive energy in our home.

In 2018, I hit rock bottom, up to my eyes in debt and struggling to make ends meet with my wages. Yet I was so swamped. It led to a mental and physical breakdown. With my young family to support, I knew a change was needed.

I turned my life around in 2019 and cleared €15027 in debt in less than a year. I am no superhero, and I don't have special skills. I am from a working-class background and achieved a feat that not many of my peers would have even considered possible.

Budgeting has been my lifeline, and I'm proof of the transformative power it can have on your life.

If I am really honest, it took a lot of me learning and consistently looking to simplify the budgeting process. When I say budgeting is transformative, it was during that transformative period that I started creating a lifestyle that made me want to open my Budget Mindset Planner and put the work in.

Financial wellness is more than a passion for me; it's a calling. I am a reformed spender looking at a more intentional approach to managing my money. Because I know the feeling of being awake at night, worrying about making ends meet, and I also understand the consequences of not openly discussing money.

That's why creating a safe space where members have both the community and the tools to seek refuge from consumer culture was important.