Mindful Money is a resource to help you understand your way with money. Jane Horn uses proven mindful and practical strategies to help you focus your time and energy on yourself, your family, and what you want to do in your life, instead of constantly thinking and worrying about money.

Ultimately, increasing your success with money also boosts your chances of achieving your version of financial independence. Mindful Money exists to help you achieve those goals.

A mindful approach to money reduces stress and increases your enjoyment. - Jane Horn


I have always had a curiosity around money—how it works and how people respond to it. I’m interested in exploring peoples’ underlying beliefs and past experiences and helping them understand the effect this can have on how they work with money now.

My curiosity around money began when I was about 12 years old. I was walking across the paddock on our family farm, thinking about how hard we worked and wondering what other people did to earn money. The questions I asked myself were, are there non-farming ways of earning
money, and do we have to work so damn hard?

I looked up across the paddock and through the bush to my neighbours’ homes. I knew that one neighbor was a naval architect and another had multiple occupations, depending on the season. I also knew they were all doing well, because they both had brick houses and fancy cars. My 12 year-old analysis of the naval architect was that I didn’t see him working on the weekend, so therefore he didn’t work hard.

This was my light bulb moment—a spark of curiosity that continues to burn.

How Mindful Money began (or, how following your curiosity can turn into a big dream)

I’ve been in the financial industry for the past 20 years. My jobs have included IT support for financial software, paraplanning, financial compliance, and financial planner. Now, I have narrowed my focus to be a financial / money coach.

I moved through these roles because of my continuing curiosity about money. Time and again, I have seen the distinct difference between a person’s relationship with money and how they work with money on a practical basis. I have seen how both of these things impact each other, and that the less conscious a person was about their personal money relationship, the less likely they were to have practical success with managing their money—from budgeting and credit card issues to tax and investment strategies.

I saw that, no matter how much practical money strategies could save, they were often just not possible and/or not sustainable for many individuals. The approach was invariably hit and miss and ultimately, unsuccessful. Essentially, a clear money mindset and consciously developed understand and relationship with money is crucial to the immediate success and long term sustainable success. 

I also love the outdoors…

You’ll often find me running with Rusty the Dalmatian or getting stuck into the veggie patch. I sometimes wonder why in the world I have a veggie patch, given how hard we worked on the farm when I was a kid. But there is just something special about being able to pick your own veggies. My garden is bountiful, so my neighbours are often the lucky recipients of my excess harvest. I put an esky at the front gate for people to take or exchange produce, or pay it forward to someone else.

Recently, I started doing Park Runs (www.parkruns.com.au)—a fab way to socialise while getting your runs in. To improve my running ability,I have also started None to Run (www.nonetorun.com). My goal is to be able to run 10 km within the next six months (by May 2020).

I also enjoy supporting good causes. A recent effort was the 2019 Pushup Challenge (www.thepushupchallenge.com.au) to raise money for the mental health organisation Headspace. This little challenge required me to do 3,128 pushups in 21 days. The goal was 3,128 because that’s how many lives were lost to suicide in 2017. And yes — I did it. The challenge was made doable by following the daily targets and approaches that the program offered.