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  • Privacy Policy | Sensible Living

    ​This Privacy Policy outlines how Sensible Living Coach, LLC ("we," "our," or "us") collects, uses, and protects personal information obtained from users ("you" or "your") of our website. All contents on this website are the property of Sensible Living, LLC. You may not copy, alter or transmit the contents of this website in any manner. Privacy Policy January 1st, 2025 Information We Collect This Privacy Policy outlines how Sensible Living Coach, LLC ("we," "our," or "us") collects, uses, and protects personal information obtained from users ("you" or "your") of our website. We collect names, phone numbers and email addresses provided voluntarily by users when they subscribe to our newsletter, download our tips and budget planner, scheduling or fill out a contact form on our website. Our website collects certain information by automated means such as how many users visit our site and from what general geographical location the user is located. However, we do not collect or track users’ unique identifiers, such as IP addresses, nor do we collect or know where a specific user is geographically located. Use of Information We use the personal information collected solely for the purpose of communicating with you and providing the services you request, such as sending newsletters or responding to inquiries. Information Disclosure We do not sell, trade, or otherwise transfer your personal information to third parties. However, we may share your information with trusted service providers who assist us in operating our website or servicing you, as long as they agree to keep this information confidential. Data Security We implement reasonable security measures to protect the confidentiality and integrity of your personal information. However, please be aware that no method of transmission over the internet or electronic storage is 100% secure. Your Choices You may choose not to provide us with certain personal information, although this may limit your ability to access certain features of our website. Minor’s Privacy Our website is not directed to individuals under the age of majority as defined by their state or province. We do not knowingly collect personal information from individuals under the age of majority. By using this site, you affirm that you are at least the age of majority in your state or province of residence. If you are under the age of majority in your state or province of residence, you must have the consent of a parent or legal guardian to use this site. Changes to This Privacy Policy We reserve the right to update or modify this Privacy Policy at any time. Any changes will be effective immediately upon posting on this page. Your continued use of our website after any such modifications constitutes your acceptance of the revised Privacy Policy. Contact Us If you have any questions or concerns about this Privacy Policy or our practices regarding your personal information, please contact us at info info@sensiblelivingcoach.com . By using our website, you consent to the terms of this Privacy Policy. Privacy Policy Date: January 1, 2025 Copyright All contents on this website are the property of Sensible Living, LLC. You may not copy, alter or transmit the contents of this website in any manner.

  • Financial Resources | Sensible Living

    Financial Knowledge For Your Success: Budgeting Tools, Credit Health, Retirement, Student Loans, Financial Calculators, Templates, Simulators, and more! Financial Resources Financial Knowledge For Your Success Book Promotion Available On : Amazon, Kindle and Barnes & Noble Unlock Financial Freedom & Build Wealth with Confidence Start your journey to financial empowerment before anyone else! Don’t miss out — purchase your copy now and be part of an exclusive community, as you unlock your financial success. Book Giveaway – Enter to win a free signed copy of the book! Live Group Discussion – Join a group discussion of the first chapter with Dr. Aquil, where you'll gain insights and connect with like-minded readers. AMAZON KINDLE BARNES & NOBLE Learn More About Empowered Abundance NEW eBook Promotion Download the FREE tips and budget planner today! Do you want to take control of your financial future? Download the FREE tips and budget planner to unlock your financial potentia l ! Download Now Click here to download Budgeting Tools Budgeting Tools Mint | Budget Tracker & Planner FREE Goodbudget | Budget Tracker FREE TRIAL YNAB | Budget Program Credit Health Credit Health FREE Annual Credit Report FREE Credit Karma mint.com | Budget Tracker & Planner Credit Repair FREE MyFICO Retirement Retirement FREE AARP Retirement Calculator FREE Social Security Student Loans Student Loans FREE Federal Student Loans FREE Student Loan Repayment Simulator Financial Calculators Financial Calculators, Templates, Simulators Vertex42 FREE

  • Financial Coach | Sensible Living

    As a Sensible Living Coach, I focus on the day to day behavioral part of money. Helping clients reduce stress and feel more in control of their financial journey. I help clients with budgeting, money management, debt reduction, and building wealth. Have a Plan to Responsibly Manage Your Money Enjoy the financial freedom of doing the things you love with the people you love! DIVE DEEPER GET STARTED Step 1 Schedule FREE consultation Step 2 Create a custom plan Step 3 We execute the plan Step 4 Achieve financial freedom DIVE DEEPER Are you drowning in debt and don't see a way out? Are You Clueless About Where Your Money is Going? I’m Dr. Thembi Aquil, the Founder of Sensible Living. We’re a Financial Wellness company specializing in discovering your money story, financial trauma, and money mindset. Are you constantly stressing about money running out before the month does? I've been there and climbed out, and now I use my experience and expertise to help people just like you navigate the often-overwhelming world of personal finance. Sensible Living offers personalized financial strategies to help you conquer money worries, enabling you to enjoy life with the ones you love. We work with people 1:1 on their personal and business finances. We also work with companies to provide financial wellness workshops. Let's make your financial worries a thing of the past! MEET THEMBI “ It was scary not having any savings in place. I was also not ‘paying myself’ or able to see any rewards from my hard work. Thembi suggested great savings plans, such as high yield savings accounts, as well as best practices of paying down debt. I am more cognizant of my money spending habits and feel more comfortable and less worried about money. I am less impulsive in my spending and make better decisions. ” Lisa H. Have the Money You Need When You Need It Many people feel stressed because they go to work every day and they're not able to pay their bills. At Sensible Living Coaching, I provide you with expert financial strategies so you don't have to worry about your money running out before the month does, and you now have the freedom to do the things you love with the people you love. Increase your confidence Be able to do things you enjoy in life Be at peace when paying bills, knowing there’ll be money left over Have money saved for a down payment to purchase a home You can take the kids to Disney World, and not have to put it on a credit card When your friends invite you for lunch, you’ll say yes, without worrying about if you can pay the bill SCHEDULE A FREE CONSULTATION 92% of workers are stressed about their finances, 37% of workers have accessed money in their retirement plan, and 13 hours of productivity are lost per employee on a monthly basis due to financial concerns. SERVICES My Clients Are Confident Decision-makers I understand how it feels to be standing in the grocery line at the supermarket and have to check different bank accounts to see if I have enough money to feed my family. Many of my clients have struggled to pay their bills on time. I’ve taught countless people how to stop going over their budget and responsibly manage their money. Financial Coaching We will create a customized plan and address any beliefs you have about money, budgeting, and credit that may be contributing to your financial worries. You will get a renewed mindset and boost of confidence about managing your money. LEARN MORE Workplace Wellness Empower your team with S.E.L.F. Intelligence Workshops — designed to enhance collaboration, reduce stress, and develop leaders while creating a resilient and thriving workplace. LEARN MORE Speaking & Webinars Ready to spark meaningful conversations about financial wellness? I'm eager to share my insights and expertise through webinars, college forums, and professional association events. Let's connect and make a difference together! LEARN MORE “ Dr. Aquil is a talented financial wellness coach who provides content and tips in an easily digestible format. Our team was so pleased to walk away from her first session with tasks to improve their financial health, that we immediately found additional groups and topics for her return visits. Highly recommended! ” Sabrina J. Your Plan to a Great Financial Future Here's how it works: Step 2 Create a customized plan Step 1 Schedule a FREE consultation Step 3 We execute the plan Step 4 Achieve financial freedom SUBSCRIBE

  • Events | Sensible Living

    Sign up to be the first to know when we go live! Events Coming Soon Sign up to be the first to know when we go live! Notify Me Thanks for submitting!

  • Workplace Wellness | Sensible Living

    Improve Employee Retention & Productivity: Empower your team with financial wellness workshops; a proven pathway to boost productivity, reduce absenteeism, and create a happier, more financially confident workplace. I help organizations tackle one of the biggest challenges their workforce faces: financial stress. My goal is to support companies in creating a healthier, more engaged, and more productive workforce through improved financial well-being. Workplace Wellness Is Your Team Truly Thriving? Are Workplace Challenges Holding Your Business Back? Many organizations today face challenges like low morale, ineffective communication, high stress levels, and leadership gaps. Teams may struggle to collaborate, leaders might feel ill-equipped to inspire their teams, and financial stress could be affecting productivity. These challenges don’t just hurt your people—they impact your bottom line. EXPLORE FURTHER EXPLORE FURTHER Empowering Workplace Wellness Through S.E.L.F. Intelligence At Sensible Living , we believe that true workplace wellness goes beyond physical health. It’s about empowering employees with the tools they need to thrive personally and professionally. That’s why we offer our signature S.E.L.F. Intelligence Workshops, designed to enhance Social, Emotional, Leadership, and Financial Intelligence—the essential pillars of holistic workplace success. What Are S.E.L.F. Intelligence Workshops? Our workshops are dynamic, interactive sessions that address the challenges today’s workforce faces. Each workshop is tailored to help employees and leaders develop the skills needed to improve communication, manage stress, lead with purpose, and make informed financial decisions. These workshops are ideal for organizations looking to: Develop strong, adaptive leaders Foster team collaboration and trust Enhance employee engagement and morale Reduce workplace stress and improve resilience Empower employees with financial wellness tools 92% of workers are stressed about their finances, 37% of workers have accessed money in their retirement plan, and 13 hours of productivity are lost per employee on a monthly basis due to financial concerns. S.E.L.F. Workshop Offerings Social Intelligence Help your team master interpersonal skills and build stronger connections. Topics Include : Active listening, empathy, team dynamics, and collaboration Emotional Intelligence Equip employees with the ability to manage emotions and reduce stress. Topics Include : Self-awareness, emotional regulation, and conflict resolution Leadership Intelligence Develop resilient, empathetic leaders who inspire their teams to succeed. Topics Include : Decision-making, mentorship, and strategic thinking Financial Intelligence Reduce financial stress and boost productivity with practical money management tools. Topics Include : Budgeting, debt management, and goal setting Why Choose S.E.L.F. Intelligence Workshops? Our workshops are more than training sessions—they’re transformative experiences that empower employees to reach their full potential. By integrating these four intelligences, we help organizations build a well-rounded, engaged, and high-performing workforce. What Makes Us Different? Expert Facilitation Delivered by experienced professionals with decades of expertise in workplace wellness and training. Customization Each workshop is tailored to meet the unique needs of your organization. Practical Tools Participants leave with actionable strategies they can implement immediately. Let’s Build a Thriving Workplace Together Ready to transform your workplace into a hub of productivity and well-being? Let’s work together to identify the unique needs of your organization and design workshops that deliver measurable results. Whether it’s fostering trust, reducing stress, building resilient leaders, or equipping your team with financial confidence, our tailored solutions will help you unlock the full potential of your workforce.Schedule a call today and take the first step toward a healthier, more successful organization. Let’s make it happen! SCHEDULE A DISCOVERY CALL

  • Speaking & Webinars | Sensible Living

    Ready to spark meaningful conversations about financial wellness? I'm eager to share my insights and expertise through webinars, college forums, and professional association events. Let's connect and make a difference together! Speaking & Webinars Ready to spark meaningful conversations about financial wellness? I'm eager to share my insights and expertise through webinars, college forums, and professional association events. Let's connect and make a difference together! BOOK THEMBI NOW Meet Dr. Thembi Aquil Transform your financial outlook with the vibrant and insightful Dr. Thembi Aquil. With a wealth of knowledge cultivated over 25+ years in the financial industry, Dr. Aquil brings an unparalleled depth of expertise to every engagement. As a sought-after speaker and presenter, she crafts captivating webinars, online training, and presentations tailored for a diverse audience, including groups, colleges, and ambitious small business owners. Dr. Aquil's dynamic approach to speaking makes financial education not just accessible but truly engaging. Attendees of her sessions walk away not just with practical knowledge, but with the motivation to transform their financial lives. Her presentations are renowned for being both enlightening and entertaining, filled with actionable insights that resonate long after the event has concluded. Sparking Financial Change Play Video Overcoming Financial Challenges Play Video The Power of Empathy Play Video Financial Engagement Play Video Watch Now Share Whole Channel This Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Share Channel Info Close Financial Liberation I turned my situation around through learning, persistence, and a deep dive into financial literacy. Today, I am passionate about sharing these insights and empowering others. My mission is to speak on these topics to help prevent others from enduring the same financial hardships I faced. I believe that financial education is a tool for empowerment, and by sharing my story and strategies, I hope to inspire and uplift others to achieve financial freedom and security. Speaking Topics Dr. Aquil's speaking engagements cover a broad spectrum of financial wellness topics, each designed to resonate deeply with audiences across the nation. Her specialties include, but are not limited to: Money Mindset Unravel the psychology of money and reshape your financial destiny. Financial Foundation Build a solid base for wealth that stands the test of time. Debt Management Navigate the path to becoming debt-free with confidence and clarity. Credit Management Unlock the secrets to harnessing credit as a tool for growth. Home Ownership Step by step, turn the dream of owning a home into reality. “ Dr. Aquil is a talented financial wellness coach who provides content and tips in an easily digestible format. Our team was so pleased to walk away from her first session with tasks to improve their financial health, that we immediately found additional groups and topics for her return visits. Highly recommended! ” Sabrina J. Why Hire Dr. Aquil Whether you're looking to inspire a group of budding entrepreneurs, empower a team of professionals, or offer students a foundational understanding of financial wellness, Dr. Aquil tailors each presentation to meet the unique needs and aspirations of her audience. Invite Dr. Aquil to your next event and embark on a journey to financial enlightenment that promises not just to educate, but to transform. Connect with her today to secure a speaker who will leave your audience inspired, informed, and ready to tackle their financial future with newfound vigor. BOOK THEMBI NOW

  • Books | Sensible Living

    Transform your life, achieve financial success, and build the foundation for generational wealth. Empowered Abundance is here to guide you in shifting your money mindset, equipping you with the financial literacy needed to change how you think about, manage, and grow your wealth. Empowered Abundance Transform your life, achieve financial success, and build the foundation for generational wealth. Empowered Abundance is here to guide you in shifting your money mindset, equipping you with the financial literacy needed to change how you think about, manage, and grow your wealth. Available On : Amazon, Kindle and Barnes & Noble Purchase Book 1 Unlock Financial Freedom & Build Wealth with Confidence Are you ready to transform your financial future and embrace a life of empowerment and abundance? In Empowered Abundance: From Debt to Financial Success, Dr. Thembi Aquil guides you through a powerful journey of financial wellness, helping you shift your money mindset, gain financial literacy, and create a legacy of generational wealth. Get Your Copy of Empowered Abundance Start your journey to financial empowerment before anyone else! Don’t miss out — purchase your copy now and become part of an exclusive community of readers, as you unlock your financial success. AMAZON KINDLE BARNES & NOBLE Exclusive Bonuses for Early Purchases! Be among the first to get your copy of the book and access exclusive bonuses: Book Giveaway Enter to win a free signed copy of Empowered Abundance: From Debt to Financial Success! Live Group Discussion Join a group discussion of the first chapter with Dr. Aquil, where you’ll gain insights and connect with like-minded readers. What You’ll Discover in Empowered Abundance: From Debt to Financial Success Redefine Your Relationship with Money Learn to let go of limiting beliefs and embrace a healthy money mindset that aligns with your goals. Master Practical Financial Strategies From budgeting basics to debt reduction and savings plans, gain practical skills for building and sustaining wealth. Create a Personalized Wealth-Building Plan Get step-by-step guidance on setting realistic goals, building a solid financial foundation, and achieving your dreams. Prepare for Life’s Financial Challenges Equip yourself to handle unexpected expenses, plan for retirement, and establish a stable future for yourself and your loved ones. Dive Deeper Into The Book In this powerful guide, Dr. Thembi Aquil, a financial expert with firsthand experience of financial hardship, provides an honest, relatable roadmap to help you reset your relationship with money. Dr. Aquil has been where you are — feeling the weight of financial stress — and she’s here to show you how to overcome those hurdles. Her unique approach is all about taking you from financial survival to financial success, helping you unlock the tools and knowledge you need to create lasting, positive changes in your life. Packed with actionable advice, real-life insights, and empowering strategies, this book goes beyond surface-level positivity to tackle the heart of what holds so many back from financial freedom. Think of this book as your financial toolkit and trusted companion. You’ll be inspired to take control of your money, make intentional financial decisions, and turn your goals into a reality. With Empowered Abundance, you're not just learning to manage money—you’re empowering yourself to build a life of abundance and security, leaving a legacy of prosperity for those who come after you. Are you ready to make a liberating change? Start your journey to financial empowerment today. Ready to Take Control of Your Financial Future? Don’t miss the chance to be part of the launch and start your journey to financial freedom. Purchase now to receive exclusive bonuses, and be the first to own a copy of Empowered Abundance: From Debt to Financial Success! Get Your Copy of Empowered Abundance Start your journey to financial empowerment before anyone else! Don’t miss out — purchase your copy now and become part of an exclusive community of readers, as you unlock your financial success. AMAZON KINDLE BARNES & NOBLE “ Empowered Abundance is a resource that truly illuminates and reframes your relationship with money. With its honest, welcoming approach and actionable journaling exercises, this book offers a clear, accessible path to financial wellness. For those who know they need to address their finances but haven’t yet—or haven’t yet successfully—I believe it can help lead to real, sustained success. ” Dana Zellers, Executive Coach About Dr. Thembi Aquil Dr. Thembi Aquil is a seasoned financial educator who has faced and overcome real-life financial struggles. Her personal experiences with financial hardship, paired with over 30 years of invaluable experience in the financial industry, make her the ideal guide on your journey to financial wellness. Dr. Aquil’s passion is helping individuals and families achieve financial freedom by providing clear, accessible, and empowering guidance.

  • Financial Coaching | Sensible Living

    Transforming Financial Confusion Into Clarity: We will create a customized plan and address any beliefs you have about money, budgeting, and credit that may be contributing to your financial worries. You will get a renewed mindset and boost of confidence about managing your money. Financial Coaching Transforming Financial Confusion Into Clarity Discovery Session During this one- hour session, we will take a complete look at your finances. You will obtain a better view of how your money is being spent. I will provide a plan and tools to help you achieve your financial goals. 1:1 Coaching Based on the information provided in the Discovery Session, we will create a customized plan and address any beliefs you may have about money, budgeting, and credit that may be contributing to your financial worries. As we build new habits, I will help with your money mindset and boost your confidence about managing your money. Let's Connect Financial change takes time. It's not just about knowledge but about changing beliefs and behaviors and then creating sustainable habits. If you have decided to take action to move closer to your financial goals but are unsure of the next steps. Schedule a no-obligation complimentary consultation to discuss your goals and any questions you have for me. SCHEDULE A FREE CONSULTATION

  • About Thembi | Sensible Living

    I’m Dr. Thembi Aquil, the Founder of Sensible Living. We’re a Financial Wellness company specializing in discovering your money story, financial trauma, and money mindset. Are you constantly stressing about money running out before the month does? I've been there and climbed out, and now I use my experience and expertise to help people just like you navigate the often-overwhelming world of personal finance. About Me Dr. Thembi Aquil Certified Financial Educator, Freddie Mac CreditSmart Coach, FICO Credit Literacy Instructor and Housing Counselor I was employed by one of the largest financial institutions for 25 years, working in the Consumer Banking, Consumer Lending, and Procedure Management divisions. During this time, I obtained both my Masters and Doctorate in Business Administration and a certificate in Workplace and Personal Wellness Foundations. In 2010, I began volunteering for Junior Achievement and additional non-profit organizations teaching financial literacy to children, teens, and adults. “ Achieving financial success involves embracing both victories and setbacks as opportunities for growth. Every stumble is a chance to learn, adapt, and move forward with greater determination to achieve your financial goals. ” Dr. Thembi Aquil Diving Deeper I understand the importance of addressing the financial literacy deficiency. Therefore, I decided to become a Financial Coach and Educator. I offer my services to those who desire to improve their financial wellness. I am from Tampa, Florida, but I currently live in Kennesaw, Georgia. I am married with 5 adult children. In my free time, I enjoy working out and gardening. My favorite place to be is at the beach.

  • Blog | Sensible Living

    Sensible Living Blog More Posts Coming Soon! All Posts Dr. Thembi Aquil Aug 19 2 min Beyond the Books: Introducing Financial Wellness in College 1 1 like. Post not marked as liked 1 Dr. Thembi Aquil Mar 25 2 min Spring Cleaning Your Finances: A Fresh Start for Financial Wellness 28 6 likes. Post not marked as liked 6 Dr. Thembi Aquil Mar 25 2 min New Year, New Financial Goals: Laying the Foundation for a Year of Prosperity 26 6 likes. Post not marked as liked 6

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Disclaimer : All content found on this website has been prepared for informational and educational purposes only and is not intended to be used as financial, tax, or legal advice. I am not a licensed financial advisor and will not advise you personally concerning the nature, potential, value, or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. Any specific product or recommendations provided by Sensible Living, LLC are for illustrative or educational purposes only.

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