Hello, I'm Terri Watson.


Many people are shocked when I say that I struggled with Maths at school. 16 year old me would be surprised as well that I ended up in finance - the one area of my life I avoided and pretended everything was fine because I didn't want people to know I was struggling.


This is why I am passionate about what I do here at The Healthy Wallet Project. I show you the steps but you do it yourself. You become empowered because you have done the hard work for yourself and you have proven to yourself that you ARE strong and you ARE capable.

My Story


I have always been a dreamer. For the longest time I dreamt of running a business that would support my family and take the pressure off relying on just the one main income. I wanted more freedom to explore and try new things - perhaps you’ve been wanting this too?

I’ll never forget the moment we hit our financial rock bottom. We had two young children and only one wage coming in that was somehow supposed to cover a mortgage, a car on finance, 3 maxed out credit cards and keep a roof over our heads and food on the table. To say there was more money going out then what was coming in would be an understatement.

Despite having dreams of running a business that would give our family freedom while also showing up as the kind of mother I’d always wanted to be, giving myself the space to live out my dreams just wasn’t an option - I had to return to full time work. 

It was soul crushing! 

I often questioned if we were ever going to recover from our crippling financial position. It was a heavy load to carry and it felt like this was our lot - that nothing else was ever going to be possible. 

But that entrepreneurial spark within still flickered. 

I dove headfirst into learning everything I possibly could to help our financial situation - and now I want to share it with you!

The 90 day Budget Journal has been 3 years in the making bringing together:

  • Life lessons - I have lived and breathed financial stress, I know how debilitating it can be and how you can feel lost and alone.

  • Professional experience and ongoing studies - When I returned to work in 2017 I went back into the Financial Planning industry and finished my studies to gain a Diploma in Financial Planning.

  • Mindset Training - Understanding why I was spending the way I was and rewriting the stories to be able to push through the barriers to start saving money and pay off debt.

Combined together it creates a Budget Journal like no other! It gives you practical step by step instructions to get your budget in shape and aligned with your goals to start making your dreams Happen!

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The Latest from the Blog

Choreography-Inspired Cardio

Dance is an activity that gets your body moving and your heart pumping. It is only natural that the two would come together for a fun and effective workout. 

A peek inside my new training program

My brand new training program has just launched, and it has something for everyone! Whether you’re an advanced dancer or a total beginner, you’ll have fun and learn something new. 

Let’s get training! Tips to stay motivated.

Finding a workout routine that excites you is the best place to start, but here are 4 other daily habits that will keep you motivated to reach your goals. 

See all

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