FLOURISH LIVE WORKSHOP
Welcome to the
Flourish Women Club
What is Flourish?
Flourish is WEMatter’s empowering program tailored for women on the move, particularly those over 40, to take control of their financial futures and personal growth.
Combining financial literacy, community support, and inspiring conversations, it helps women build financial confidence, navigate cultural adaptation, and advocate for themselves.
Flourish is more than a workshop—it’s a transformative space for women to thrive, unlock their potential, and create lasting change, not just for themselves, but for their families and communities.
At WEMatter, we believe in helping women truly flourish.
Join the waitlist for our highly anticipated Live Sessions, taken by Women on the Move in the EU.
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Enrollment are Closed. Subscribe to know when we’re open for enrolment.
We respect your privacy. No spam. Ever.
FLOURISH LIVE SESSIONS
Flourish Club Benefits
Expert-Led Workshops Access
Join monthly live sessions with financial experts, entrepreneurs, and mentors. Ask questions, share experiences, and turn insights into action. Your next breakthrough is waiting!
Exclusive Personal Finance Workshops Twice a Month
Get personalized coaching from financial mentors who understand migrant life. Achieve goals like managing remittances, saving for a home, managing debt, and building wealth.
Accountability System
Stay on track with your financial goals through our accountability system. Set milestones, track your progress, and celebrate your achievements with the support of our community and coaches.
Private Group Calls with WEMatter Money Experts
Join members-only calls with financial experts who offer personalized guidance to help you navigate your unique financial journey and achieve your goals with confidence.
Community Support Network
Join a vibrant community of migrant women on a similar journey. Our private online forum is a safe space to connect, share stories, and support each other, offering camaraderie, encouragement, and a sense of belonging.
Instant Access to Previous Workshop Recordings
Never miss a lesson! As a member, you’ll have instant access to a growing library of past workshops, and articles, videos and interactive tools so you can learn at your own pace.
WHAT IF ONE DECISION COULD UNLOCK YOUR PATH TO FINANCIAL FREEDOM?
Take the First Step Today!
At WEMatter, we believe knowledge, growth, and empowerment should be accessible to all.
Join the Flourish Financial Literacy Course and begin building the skills to secure your future.
With our flexible pricing, you choose what works for you—invest in yourself while supporting other women on the move or our mission to help women rebuilding their lives in a new city or country.
Together, we create lasting change.
(just €1.03 a day)
(only €0.85 a day) and enjoy two months on us!
Gift a membership to another woman or to our mission.
Why Join the Flourish Women Club?
The Flourish Women Club is designed for women like you—bold, resilient, and ready to thrive.
Navigating Change with Confidence
You’ve recently moved to a new city or country and are seeking guidance to adapt socially, culturally, and financially.
Thriving, Not Just Settling
You’re determined to build a life of stability, growth, and prosperity in your new environment.
Taking Charge of Your Financial Future
You’re ready to build wealth, secure your future, and rewrite your financial story.
Finding Your Support System
You seek a community of like-minded women for accountability, friendships, and shared learning. No matter your ethnic background or financial knowledge level, you belong here.
Practical Financial Literacy
You want strategies tailored to migrant women’s unique challenges, shared by those who’ve been in your shoes.
Lifelong Learning at Your Pace
You value expert guidance that helps you grow on your own terms.
Building a Lasting Legacy
You’re committed to creating generational wealth that impacts not just you, but your family and community.
Joining a Movement
You believe in collective action for the success of all migrant women.
Ready to Flourish?
Take the first step—your transformation begins today.
FLOURISH 2025
Live Series Workshop Calendar
A Comprehensive Guide to Financial Literacy for Women on the Move
QUARTER ONE: Building a Strong Foundation
Module 1: Achieving Financial Clarity: Goal Setting for Lasting Success
- Gain a clear understanding of the SMART criteria for effective goal setting.
- Develop and create actionable SMART goals tailored to your needs.
- Discover and articulate your core personal values.
- Align financial goals with your values for a more purposeful approach.
- Learn to evaluate trade-offs and make informed financial decisions.
- Design a personalized program to support consistent and disciplined financial behaviours.
- Identify common obstacles and strategies to stay motivated on your financial journey.
Module 2: Unpacking Your Money Story: Understanding Beliefs and Influences
- Identify inherited money beliefs and their impact on financial decisions.
- Examine how societal and cultural messages shape financial attitudes, especially for women.
- Recognize the influence of gender, race, and socio-economic background on money beliefs.
- Overcome limiting financial beliefs and replace them with empowering perspectives.
- Reframe your personal money story to align with your values and goals.
- Understand the impact of media and technology on financial perceptions.
- Develop strategies to transform financial habits for long-term success.
Module 3 Boosting Income: Strategies for Growth and Success
- Identify Multiple Income Streams
- Leverage existing skills
- Discover part-time work options available for women above 40.
- Effective strategies for negotiating salary
- Explore remote work as a viable and flexible income stream.
- Understanding the Gender Pay Gap
QUARTER TWO: Building a Solid Financial Stability
Module 4: Mastering Money Management: Budgeting, Saving, and Navigating Dual Financial Responsibilities
- Categorize expenses to identify and track needs versus wants.
- Distinguish between fixed and variable expenses for more accurate budgeting.
- Create a personalized budget using effective methods and digital tracking tools.
- Implement expense reduction strategies to optimize savings and financial efficiency.
- Understand and manage dual financial responsibilities as a migrant, including remittances and local savings goals.
- Navigate exchange rates and their impact on family support abroad.
- Prioritize investments while managing the high cost of living in Spain.
- Open EU-based accounts for simplified saving and investing.
Module 5: Emergency Planning: Building Financial Resilience for the Future
- Analyze emergency scenarios to identify potential financial risks and prepare for the unexpected.
- Conduct a risk assessment to understand personal financial vulnerabilities and develop a resilient strategy.
- Calculate emergency fund needs based on current living expenses and personal circumstances.
- Apply saving strategies to build an emergency fund and ensure financial stability in times of crisis.
- Explore account options for setting up and growing your emergency fund effectively.
- Set clear emergency fund goals to guide consistent saving and ensure adequate coverage.
- Understand the importance of private savings in the face of rising retirement ages in Europe and how to prepare for the future.
Module 6: Insurance Essentials: Securing Your Future with Smart Coverage Choices
- Identify coverage gaps to understand areas of financial vulnerability and the need for insurance.
- Understand different types of insurance needed for comprehensive coverage (e.g., health, life, property, etc.).
- Evaluate coverage options based on personal needs and life circumstances.
- Conduct a cost-benefit analysis to determine the most cost-effective insurance solutions.
- Compare insurance policies to find the best fit for your needs, taking into account coverage, exclusions, and premiums.
- Gather and assess insurance quotes to make informed decisions.
- Review policies regularly using a checklist to ensure your coverage remains relevant and sufficient as your life evolves.
QUARTER THREE: Building a Sustainable Generational Wealth
Module 7: Investment Basics for Beginners: A Guide for Women Starting Their Financial Journey
- Understand the fundamentals of investing (stocks, bonds, mutual funds, ETFs, real estate) and key concepts such as risk, return, diversification, and time horizon.
- Recognize the importance of investing later in life and leverage the power of compound interest for financial growth.
- Set personalized financial goals (retirement, family support, repatriation, relocation) while addressing gaps in pensions and navigating Spain’s public pension system.
- Develop cross-border investment strategies by combining Spanish pensions with investments in home countries and prioritizing short-term vs. long-term goals.
- Align investment goals with personal risk tolerance and time horizon using SMART goal-setting techniques.
- Strategize for long-term financial security by incorporating private savings and adapting to rising retirement ages in Europe.
Module 8: Building a Smart Investment Strategy: Risk, Ethics, and Planning for Success
- Assess your risk tolerance and understand how to balance your portfolio through asset allocation with stocks, bonds, and cash equivalents.
- Diversify your investments to minimize risk and optimize returns across different asset classes.
- Create a personalized investment plan by selecting strategies that align with individual goals and financial situations, and choose between passive vs. active investing.
- Implement dollar-cost averaging for consistent investing over time, regardless of market fluctuations.
- Integrate ethical investing principles by understanding ESG (Environmental, Social, and Governance) criteria and selecting investments that align with your values.
- Evaluate the trade-offs of ethical investing, balancing financial goals with values-based decisions through green bonds, ethical funds, and socially responsible ETFs.
Module 9: Investing Made Practical: Tools and Strategies for Building Wealth
- Master the basics of stocks, bonds, and ETFs by understanding how the stock market works and how to assess investments for long-term growth.
- Evaluate real estate as an investment by learning about rental income, property appreciation, and REITs, while considering key factors like location and financing.
- Build a diversified portfolio by understanding the importance of balancing different asset classes and sectors to minimize risks and enhance returns.
- Optimize tax efficiency with knowledge of Spain’s tax-advantaged savings accounts and double-tax treaties, reducing tax burdens for migrants.
- Make informed decisions between DIY investing and hiring a professional advisor by weighing the benefits of each and knowing when to consult an expert.
- Conduct thorough research on investments by learning how to read financial statements, use online tools, and stay informed with market analysis.
QUARTER FOUR: Building a Lasting Legacy and Preserving Wealth
Module 10: Building a Lasting Legacy: Tracking, Avoiding Pitfalls, and Preserving Wealth
- Monitor investment performance by understanding how to track your portfolio and individual investments, using real-time tools and platforms for ongoing reviews and strategy adjustments.
- Avoid common investment mistakes by recognizing emotional investing, market timing, and trend-chasing, while learning strategies to stay calm during market dips and maintain long-term discipline.
- Overcome psychological barriers by addressing fear and doubt, building confidence through education, and taking small steps toward consistent investing.
- Stay committed to a long-term investment plan by managing emotions, practicing discipline, and maintaining focus on your financial goals.
- Create a supportive investing community by exploring the value of mentorship, peer learning, and joining women-focused investing groups to foster shared growth and knowledge.
Module 11: Legacy Planning: Preserving Wealth, Values, and Financial Wisdom for Future Generations
- Define and create a personal or family legacy by integrating financial and non-financial elements, such as values, traditions, and stories, to pass on to future generations.
- Develop an estate plan tailored to midlife women in the EU, considering legal and financial aspects for effective wealth transfer.
- Teach financial literacy to children, equipping them with essential skills for managing money and sustaining wealth in the future.
- Design a succession plan to ensure smooth wealth transfer and continuation of family or business legacies, aligning with long-term financial goals.
Module 12: Celebrating Success: Reflecting, Planning, and Inspiring Generational Wealth
- Reflect on personal financial journeys and celebrate individual progress.
- Learn how to conduct a personal audit and assess financial growth.
- Gain practical tools for creating a personalized annual financial plan for 2026.
- Explore case studies of successful women on the move who have built generational wealth.
- Engage in community learning through shared experiences and future planning exercises.
Take the First Step Toward Your Financial Freedom Today!
Picture a life where you’re not just getting by but truly thriving—secure, empowered, and fulfilled. Together, we’ll pave the way to financial independence, embracing the strength and potential within every woman on the move.
Join us to Flourish Where You Are—because you deserve growth, stability, and the success you’ve always envisioned.
Your future starts now. You are worth it!
FLOURISH CLASS DETAILS
As a Flourish member, you’ll get access to
Two Sessions Every Month:
- 1 in-person session (120 minutes)
- 1 webinar (60 minutes)
Digital Workbook & Follow-Up:
- A comprehensive digital workbook
- A 30-day follow-up email series to sustain your momentum
Downloadable Resources:
- Transcripts and audio for all classes and videos
Interactive Community:
- A supportive space for sharing, accountability, and growth
https://www.facebook.com/groups/wematterplus
FAQs
Frequently Asked Questions
Take a look at our FAQ section for quick answers.
If you have a specific question or need more details, feel free to contact us.
We’re here to help!
If you have a specific question or need more details, feel free to contact us.
We’re here to help!
What exactly are the Flourish Live Workshops?
The Flourish Live Workshops are a carefully curated series designed for migrant women and those starting anew in a different environment or navigating different life stage. These workshops offer guidance on how to settle in confidently, establish a solid financial foundation, start saving and investing, and build long-term financial security and wealth.
What is the difference between the online and live Flourish workshops?
The primary distinction between our online and live Flourish workshops lies in their format and level of interaction.
- Live Workshops: These sessions are dynamic and engaging, allowing for spontaneous discussions that can veer off the planned topics to explore unexpected themes. Participants can interact in real-time, fostering connections and building lasting friendships within a supportive community. Additionally, all live workshops are recorded and available on demand, so you can revisit the content whenever you need.
- Online Workshops: These are designed for flexibility and convenience, providing recorded sessions that you can access at your own pace. While they offer valuable content, they lack the immediate interaction and spontaneous engagement found in our live workshops.
Why were LIVE FLOURISH workshops created?
Live FLOURISH workshops were created to complement the online course by providing interactive, real-time engagement and personalized support for women.
Who developed the courses?
The workshops were designed by migrant women teachers and experts who have experienced the challenges of settling in a new place. They understand the unique needs and layered challenges of migrant women and have tailored the content to provide practical advice.
What does the Flourish live programme cover?
The program covers a comprehensive range of topics essential for achieving financial success in a new environment. It includes strategies for increasing your income, setting clear financial goals, assessing your current financial situation, opening a bank account, and managing remittances effectively. You’ll also learn how to grow your finances through budgeting, saving, and investing, as well as navigate real-life financial scenarios and case studies specific to migration. Plus, with interactive sessions, you’ll have the opportunity to engage directly with experts and peers, making the learning experience even more impactful.
What additional resources are provided?
Participants will have access to worksheets, digital platforms, tech tools, cybersecurity tips, and smart financial tips (behavioral hacks). The sessions will also provide opportunities to practice new skills and get answers to specific questions.
Who can benefit from these workshops?
These workshops are perfect for migrant women who are new to a city or country and need help with managing their finances. If your top priority is to transform your financial future and build wealth, and you prefer practical, migrant-specific financial advice, these workshops are for you. They are designed to help you understand and improve your financial situation effectively.
What is the WEMatter NOT?
WEMatter is not a certified financial advisor, investment broker, or financial planning service. It is not a get-rich-quick scheme, nor is it a substitute for professional financial advice. Our live sessions are not conferences, seminars, or traditional online courses. Instead, they provide a space for women to learn, connect, and support one another in their financial journeys.
I just moved to a new country. The courses are perfect for me, but I can't afford this program.
We understand that relocating can be financially challenging. We offer a range of resources and support options to assist you. Please contact us directly to discuss any potential discounts, scholarships, or flexible payment plans that may be available. We’re committed to helping you access the resources you need.
How much time do I need to invest?
Each live session is 90 minutes long, and you should also allocate time for reviewing materials, completing exercises, and interacting with the content outside of the sessions. We suggest setting aside 2 hours each week to make the most of the program.
Who is teaching Flourish?
Maria Carmela V. Zabala, the founder and course developer of Flourish, is leading the program. Together with her team of experts with extensive experience in economics and finance including a deep understanding of navigating diverse financial landscapes as a woman on the move, ensures that the content is both relevant and empowering.
I’m unable to join this cohort. Will there be additional ones?
Yes, Flourish is an ongoing program with regular cohorts and continuous improvements. Keep an eye out for announcements about future sessions, or contact us to get updates on upcoming opportunities.
What if I'm not satisfied?
We work with top experts whose experience ensures our programs’ quality. If you’re not 100% satisfied, contact us, and we’ll discuss your concerns. We’ll try to resolve the issue, and if needed, we offer a money-back guarantee.
How can I pay?
We accept various payment methods, including credit/debit cards and bank transfers. For more details or specific payment options, please check our payment page or contact us directly.
