Financial Education
Guiding you toward confidence, clarity, and control, so financial choices feel empowered and informed.
Empowering financial confidence and direction, one step at a time. Join me and let's make money work for you!
Behavioural change that builds confidence, independence, and a healthier relationship with money.
At TILLOW, we offer counselling, peer mentoring, and financial education & training — supporting you to understand your patterns, build practical skills, and create lasting change in everyday life.
We gently explore your relationship with money, helping you understand money behaviours, reduce stress, and feel more confident in the way you make decisions.
TILLOW provides online counselling and financial wellbeing support across Australia, helping individuals build independence and confidence in everyday life.
Why TILLOW ?
At TILLOW, we understand that real change doesn’t come from information alone — it comes from understanding your patterns and creating new ones that actually work in everyday life.
That’s why our approach is therapeutically informed, supporting not just what you do, but why you do it. We explore the connection between emotions, habits, identity, and decision-making — including your relationship with money — so change feels meaningful, not forced.
Everything we offer is designed to feel practical, supportive, and sustainable, helping you build confidence, strengthen independence, and make choices that align with your life.
Because when learning feels safe, personalised, and even a little bit enjoyable…
that’s when real change happens.
Our Services
Supporting behavioural change, independence, and confidence through counselling, mentoring, and financial wellbeing support.
Counselling
Space to reflect, tools to grow, support to thrive.
A safe and supportive space to explore life’s challenges, build resilience, and strengthen confidence. Together, we’ll uncover patterns, values, and goals — creating practical strategies that support meaningful behavioural change in everyday life.
Where relevant, we may also explore stressors such as money, helping you better understand your relationship with money and how it influences your choices, emotions, and sense of control.
Peer Mentoring
Your life. Your goals. Your way — with support along the way.
Everyday independence feels lighter with someone walking alongside you. Peer Mentoring at TILLOW supports life admin, planning, and routines in a way that’s practical, achievable, and tailored to you.
With a gentle focus on financial wellbeing, we support you to build confidence, reduce stress, and strengthen everyday decision-making — helping you create habits that support independence and long-term growth.
LIFTEd
Training & Support for Professionals
Support behavioural change in your clients with confidence and clarity.
LIFTEd is a professional development workshop that equips Allied Health professionals and support workers with tools to facilitate money conversations that matter.
Through a therapeutically informed lens, you’ll learn:
How to recognise financial stress and capacity barriers
How to encourage decision-making and money confidence
Practical ways to build budgeting and life admin into everyday support
When and how to integrate counselling, coaching, and mentoring techniques
This training is light, interactive, and infused with the same warmth and celebration we bring to all financial learning. You’ll leave with tools you can use immediately—and the confidence to guide without pressure.
✅ Includes downloadable participant tools
✅ Delivered in-person or online
✅ Certificate provided for PD hours
Earning Independence
Incursion & SLES Program
Supporting young people to build confidence with money, life, and independence.
Supporting real-world readiness, independence, and confidence across both education and NDIS pathways.
Earning Independence is a practical, engaging program designed for VCE-VM students, university cohorts, and NDIS School Leaver Employment Supports (SLES). It supports young people to develop the real-world skills needed to navigate life beyond the classroom — with confidence, clarity, and independence.
This program goes beyond traditional financial literacy. Through a behavioural and therapeutically informed lens, participants explore how their habits, decisions, and mindset shape everyday choices — including their relationship with money.
What participants will learn
Understanding and managing money in everyday life
Building confidence in decision-making and independence
Developing routines and life skills for adult responsibilities
Recognising habits and patterns that influence spending and choices
Preparing for employment, further study, and community participation
How it’s delivered
Sessions are light, interactive, and practical, designed to connect learning with real-life situations.
The program can be delivered as:
🎓 School or university incursions
🌱 Structured SLES programs through providers
📚 Multi-session group programs or workshops
Designed for Real-World Learning
Earning Independence can be adapted to support a range of learning and support environments, including:
Secondary schools (including VCE-VM)
NDIS School Leaver Employment Supports (SLES) providers
University and transition programs
Community and youth services
Why it’s different
Unlike standard financial literacy programs, Earning Independence focuses on behavioural change — helping participants understand why they make decisions, not just what to do.
This creates learning that is more meaningful, more engaging, and more likely to support long-term independence and economic participation.
Financial Education Self-Paced Course
High-five your money
and discover how fun and freeing it can be.
A simple, self-paced program designed to help you build confidence with money in a way that feels light, practical, and easy to follow. Through short videos and activities, you’ll learn how to budget, save, and spend with confidence — turning money into a tool that works for you.
Using TILLOW’s playful Hand Framework, this course supports you to understand your habits, reduce stress, and improve your relationship with money at your own pace.
This program is available as a self-paced, private enrolment and can be completed independently, or alongside other supports where appropriate.
Important Note
At TILLOW, we provide counselling, education, and capacity-building supports under the NDIS. Our work focuses on building skills, confidence, and independence. We do not provide financial advice. All financial discussions are delivered as education and exploration to promote choice, control, and informed decision-making by participants.
Work with us
Financial Education
Learn the essentials of money management in a fun and approachable way. Build confidence and creating a positive money mindset!
Branch Out
An online, self-paced program that helps you plant the seeds of financial wellness and grow at your own pace.
LIFTEd
Empowering allied health professionals and NDIS support workers to support others in achieving financial confidence
Earning Independence
Embark on a journey to strengthen your financial literacy and make exploring the financial world beyond school smoother and more manageable.
Every journey is different, but here’s what people often notice…
Sam F
Absolutely impressed by Tillow Coaching and Consulting! Their services, from financial education and coaching to wealth and mindset coaching, have been a game-changer for my business and personal growth. If you're looking to up your financial game and mindset, Tillow Coaching is the real deal. Highly recommend!
Heidi H
Director, Lift Supports
"Jess has managed to increase financial literacy and increase the motivation and independence of a number of our participants. She offers unique, holistic support that is fundamental in building capacity for NDIS Participants. She has succeeded where many others have not met the need and I cannot recommend her services too highly."
Chris J
Society Link
As someone who runs a support service, I work alongside and in collaboration with Jess and her team of professionals in helping build financial stability, business ideas for my clients. I highly recommend Tillow to not just NDIS professionals but anyone trying to get ahead in life.
Branch Out
Imagine a money program that's all about you—where financial wellness feels less like a chore and more like an exciting journey 🌟. Branch Out is a self-paced, online experience designed to shake up the way you see and handle money. With fun, interactive sessions, you'll rediscover your financial confidence, curiosity, and control, without any of the typical stress or pressure 😊.
This isn’t just another financial course; it’s a chance to tap into fresh insights and build a relationship with money that feels empowering and uniquely yours. Whether you’re rejoining to deepen your skills or taking that first step towards real financial ease, Branch Out meets you right where you are, cultivating independence, confidence, and choice 🌱. With our light-hearted, inquisitive approach, you'll gain tools to support your goals, unlock joy in the process 🎉, and celebrate each win on your financial journey 🥂. Start today with Branch Out and see how rewarding financial wellness can be! 💸✨
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General Advice Warning (Disclaimer) The information provided on this website is general in nature and does not constitute personal financial advice. It is recommended that you consider whether the information is appropriate for your situation and that you seek independent financial and legal advice relating to your own personal circumstances. Tillow Coaching and Consulting does not make any representations as to the accuracy, reliability or completeness of information contained within the website or material from linked third party websites. Please see privacy policy for more information.