Transforming lives, one budget at a time
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About Us

Welcome from Phil McGilvray

My team and I look forward to helping you achieve
the financial peace you deserve


Over the past 15 years, the Grandma’s Jar team has helped hundreds of members pay off their mortgage and lifestyle debt using the simple principles I learned from my grandmother as a child. Along the way, we’ve integrated Grandma’s wisdom into a modern methodology with a strong, supportive community of like-minded people.

In the late ‘80s, I spent 12 months in the UK with Grandma. Every fortnight, she would walk to the local post office and collect her pension payment. On returning home, she would take five jars down from her kitchen cupboard, labelled: ‘Milkman’, ‘Gas’, ‘Electricity’, ‘Gifts’ and ‘Groceries’. Into each of these jars, Grandma would put a set amount of each pension pay. She knew exactly how much she needed to put in each Jar from each pay to to cover her bills as they arrived. She kept some incidental money in her wallet, and the rest she took to the bank the next morning.

This traditional, effective budgeting methodology has helped ordinary people manage their money for hundreds of years – and is just as effective today. Only now, we replace the real jars with virtual Jars, and paper money has been replaced by online bank accounts.


We know that having a financial management system that works literally changes people’s lives for the better, providing them huge relief and excitement about their futures.


If you get slack and forget to log on, Grandma’s Jars will send you reminder emails, and at the end of each month you will be prompted to complete your End-of-Month Summary. The methodology – and the other members and financial coaches – encourages you to stay on top of things so that your budget and actual money always match up. You will always have a realistic picture of your finances.

The power of a good budget is in what it allows us to achieve. After all, no one budgets for the sake of budgeting alone. We developed our budgeting methodology to help give our members a road map with which they could eliminate debt, build a cash reserve, and work towards achieving meaningful lifestyle goals.

Our goal is to make managing your finances as easy and efficient as possible. Thanks to the wonders of modern technology, we have web and mobile apps, member forums, email reminders and internal messaging with our financial coaches. Our heartfelt desire is that every member of Grandma’s Jars succeeds in taking control of his or her finances.

We know that our methodology works. We know that people’s lives are changed for the better, providing them with a huge sense of peace and excitement regarding the future.

Grandma’s Jars will work for you. My team and I look forward to helping you achieve the financial peace you deserve.



Phil McGilvray

Co-Founder, CEO and Financial Coach


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