Specialised Budgets for Individual Needs 

Grandma’s Jars provides professional financial coaching that is made to fit your goals, lifestyle and priorities.

We will work with you to set up a budget plan that works, teach you how to use it, and then meet with you monthly to provide guidance, support, and accountability.


  • You habitually overspend your budget
  • You feel overwhelmed by debt
  • You want to reach savings goals faster
  • Money issues are affecting your relationships
  • You are living pay cheque to pay cheque
  • You want to be a proactive money manager

Grandma’s Jars can help!

A Focus on Education

There is an old saying “give a man a fish and he will eat for a day, teach a man to fish and he will have food for a lifetime”

At Grandma’s Jars, teaching you how to budget is just the start. Once you have mastered budgeting, we show you how to use it to build a strong cash reserve, pay off debt, and set and achieve financial goals that are important to you.


A Focus on Commitment

We are passionate about our budgeting system and coaching program because 15 years of experience has taught us that it really works. However, we also understand that it’s not for everyone. While we will lead you through the process step by step it will require your time and effort.

One of our key requirements when taking on a new coaching client is that you are as committed to the program as we are to helping you succeed.

How It Works



Sign up in the contact form below for your free 30 minute introductory call



Upon reaching an understanding of how the program works and what it can offer you, we will schedule a 2nd session and assign a coach to you



Your personal coach will evaluate your situation and work with you to create a plan to achieve your financial goals



Every month, your coach will meet with you to provide ongoing support, education and accountability


Book a free introductory call

  • 3 Month Plan
  • 4 Consultations
  • E-mail Coaching
  • A personalised budget plan
  • A proven methodology
  • Goal setting and accountability
  • Friendly and motivational support

Personal coaching

Book a free introductory call

  • 12 Month Plan
  • Monthly Consultations
  • E-mail Coaching
  • A personalised budget plan
  • A proven methodology
  • Goal setting and accountability
  • Friendly and motivational support


Book a free introductory call

  • Ongoing Plan
  • 4 Consultations/yr
  • E-mail Coaching
  • A personalised budget plan
  • A proven methodology
  • Goal setting and accountability
  • Friendly and motivational support

Over the past 15 years, Grandma’s Jars Coaching has helped over 500 couples and individuals take control of their money and build a strong financial future


We are so confident in our budget coaching program that we offer all our $110/month coaching clients a guarantee: If you follow our rules and do not see results within 12 months, we will refund all your fees no questions asked.


Ben & Sophie

We are about to embark on the new journey of parenthood with the certainty that the lifestyle we desire is affordable and manageable.

Murray & Lisa

We started the grandmas jars program in August and the first thing we noticed was how much money we wasted by not paying attention.


… Phil has challenged me to really think about what it is I want my money to do, whilst keeping financial things in perspective …

Meet Our Wonderful Coaches

Phil McGilvray


 Phil has been in the field of personal finance for a long time and has helped hundreds of people regain control over their finances. From managing multi-million dollar portfolios to helping fellow church goers, Phil’s passion for helping people combines well with his experience in finance to make him the premier coach at Grandma’s Jars. Friendly, professional, and upbeat, he makes an amazing coach.

Teresa Wishart


As someone who knows the difficulties in managing their finances, Teresa brings firsthand experience that allows her to empathise and fully understand the joys and frustration that comes with taking control of your budget. Knowledgeable and personable, Teresa takes from her own experiences to provide her coaching clients the motivation and support required to succeed.



Kylie is a 30 year veteran of the finance and accounting industry, having worked as finance officer for Government, Local councils & private enterprise. Kylie’s experience includes 15 years in debt collection where she worked alongside clients to help them establish a realistic budget and eliminate outstanding debt.

Like Phil, Kylie was lucky to have a family member, in this case her Dad who taught her how to Budget (using glass Jars) from her very first pay cheque as a 15 year old. Over the years Kylie has shared her skills and experience with anyone who will listen, helping friends, family and colleagues mange their money, get out of debt and save for important lifestyle goals. 

Kylie is married to John, has three children in their late teens. In her spare time she loves camping in the bush, hiking and Kayaking

Barb Easter


Barb Easter and Phil McGilvray met across continents, and thanks to Phil’s coaching, personal effort, and the Grandma’s Jars method, the Easters are now about to step into a debt-free life while still in their 30s. Barb is passionate about coaching people to better understand and manage their personal and business finances; raising her kids to be great people with awesome financial literacy skills; and building a wonderful life for her family. 

Professionally, she works with small businesses and accountants to teach how cash flow forecasting software provider Dryrun can enhance the growth of their business, and coaches individuals, families and kids toward financial literacy . In her spare time, she reads, runs slowly, gardens and practices yoga. Barb and her family love life in Ontario, Canada.


Schedule a Free Introductory Call

Fill out the form below with your phone number or details on the best way to have the call (Skype, VOIP, etc.) We will get back to you with a confirmation or to discuss when the best time for the call is. Looking forward to speaking with you.