Personal financial coach for families and business owners

Murat Zhandaurov

Simple money systems for families and business owners. Start small, separate money by purpose, review the numbers, and grow without making finance complicated.

Start with the free 5% system Get the business cash system

Educational guidance. No hype. No universal percentages.

Husband and father of two

Real business experience

Family and business systems

English and Russian

Free money tools

Choose the system that fits today.

Personal money and business cash need different tools. Each free system includes a clear PDF guide and a workbook that calculates the numbers for you.

Personal and family money

5% Money Starter

Start building safety without a complicated budget. Learn to live on 95%, strengthen the habit, and add the next step when you are ready.

A simple starting rule
A calculating family workbook
A plan for the next paycheck

Get the 5% Money Starter

Business owners

Business Cash Clarity

See what came in, what must go out, and what needs attention before cash timing becomes stressful.

Seven jobs for business cash
A 15-minute weekly cash check
A workbook that calculates the numbers

Get Business Cash Clarity

The method

Boring is useful when it works.

You do not need a magic trick. You need a system you can still follow during a busy week.

Start small

Begin with an amount you can repeat. For many families, that first step is 5%.

Separate by purpose

Give money a job before daily life quietly spends it.

Review weekly

Use the numbers you know today. One useful review is better than a perfect plan you avoid.

Grow slowly

Strengthen safety, reduce expensive debt, and add investing when the foundation is ready.

Why I teach this

Finance is the engine.

I am a husband, father of two, financial coach, and business owner. Experience taught me that revenue can look successful while weak cash decisions create stress underneath it.

I teach the same basic discipline in family and business money: separate it by purpose, review the important numbers, and make one decision early.

About Murat Explore coaching

Work with Murat

Build a system that fits your real life.

Available by application

Private coaching

Direct help organizing your personal and family money, choosing priorities, and building a weekly review you can repeat.

See private coaching

In development

Group coaching

Learn from questions you may not think to ask, hear how other people handle similar situations, and build stronger money habits with a supportive community. Join the list for the first group.

Join the interest list

Learn

Useful money guides

See all guides

SavingsBuild your first emergency fund DebtChoose a debt payoff order InvestingUnderstand investing basics

One useful email every Sunday.

Useful numbers, one clear lesson, and one small action for the week.

Start with the free 5% system