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Supporting you in adopting a mindful approach to your financial journey

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Welcome to Mindful Cents

Where Financial Guidance Meets Genuine Care


At Mindful Cents, we're not just financial consultants; we're your confidants when it comes to money matters. We understand that finding a money coach might not be the first thing on your mind, but just like a personal trainer can help you achieve your fitness goals, we're here to guide you on your path to financial well-being.

Think of us as the friends you can have open and honest conversations about money with - without fear of judgment. We provide a safe, non-judgmental space where you can be vulnerable about your finances, something many people don't have. Our approach is rooted in empathy, listening, and support. We don't dictate what you should do with your money; instead, we help you understand all your options and empower you to make choices that align with your values and goals.

We're not financial advisors; we won't tell you which specific stocks or bonds to invest in, and we'll never steer you in a direction that benefits us. Our commitment is to you and your financial success. Amanda and Luke, the faces behind Mindful Cents, have successfully paid off substantial debts and managed their finances wisely, and we're here to share our knowledge and experience with you.

Our zero-based budgeting system, which we personally use, has consistently delivered financial success for our clients. Whether you're looking to pay off debt, save for a major home renovation, or gain control of your finances, our proven approach can help you achieve your goals.

When it comes to taxes and bookkeeping, we offer more than just filing paperwork. We're your proactive partners in tax planning, year-round. Our goal is to help you decrease your tax liability and keep more of your hard-earned money. We're responsive, attentive, and dedicated to helping you learn about your financial options.

If you're seeking an accountant who collaborates with you to make the best decisions for you, your business, and your family, you've found it with Mindful Cents. Explore our services, and let's embark on a journey toward financial empowerment, together.

Welcome to a new kind of financial partnership.

Welcome to Mindful Cents.

Mindfully Manage Your Cashflow eBook

Take Action to Unlock Financial Freedom Today!

Get started on your journey to financial empowerment with our FREE e-book and Mindful Money Plan spreadsheet. Discover where your money goes and start creating a life you love.

Ready to pay off debt, save, invest, and feel GOOD about your money? Download the e-book for FREE or show your support with a coffee donation.

Start now! Download the e-book.

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Our Services

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Financial Wellness Money Coaching

Gain clarity and control over your finances our personalized one-on-one money coaching programs, designed to build a sustainable and joyful financial future. Dive deep into your spending habits, forge a positive relationship with money, and set yourself up for long-term success with our expert-guided journey. Unlock your financial potential and turn insights into action as you journey towards fiscal empowerment and peace of mind.

Small Business Bookkeeping

Having access to clear and organized business financials is crucial to ensure your business thrives. Utilizing Quickbooks Online or Xero, we will provide accurate and timely financial records to allow you full financial clarity to guide decisions to help your business grow. Leave the numbers to us, so you can focus on what is most important to you - serving your clients and growing your business.

Tax Services

Our in-house CPA provides tax preparation services for individuals and small businesses. What distinguishes us is our commitment to every individual tax client, as they receive a personalized summary of recommendations aimed at reducing their future tax burden. Whether you're contemplating selling a property or planning an investment drawdown strategy for retirement, our year-round tax planning ensures that we proactively create a tailored plan to meet your financial goals.

Mandy S.

"Mindful Cents were quick and helpful with all of our questions. It was our first year with a rental property and they made sure we did everything correctly. Great people and fantastic at what they do!"

Melissa K.

"Luke and Amanda did such an amazing job at explaining capital gains taxes. I am in the process of selling my house and didn’t know anything about capital gains tax. It was quite a shock when I realized how much I was going to owe. They did a great job of walking me through the calculations and really helped put my mind at ease. They continue to be available for ongoing questions that I have."

Amanda W.

"I just want to say how awesome it is to work with Luke and Amanda! Their impact has been tremendous. With their coaching I have been able to retire with confidence and with continued coaching I am striving to experience all retired life has to offer!"
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