Andreea Birou IGrowFin

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Nederland
The Hague
Andreea Birou IGrowFin

Contactgegevens, kaart en routebeschrijving, contactformulier, openingstijden, diensten, beoordelingen, foto's, video's en aankondigingen van Andreea Birou IGrowFin, Financieel adviseur, The Hague.

Founder I GROW FIN | Financial Management Consultant & Financial Well-Being Coach | 20+ yrs in audit, internal control & financial management
I help professionals, couples, and companies bring clarity, confidence, and sustainable growth to their finances.

26/03/2026

Are you done hiding the money problems under the carpet?

We’ve been taught that talking about money is "vulgar." You know what’s worse? Staying stuck because you’re too proud to ask for a map.

If you're tired of the "not-enoughness" or the silent stress, come sit with us.

Introducing: The "Money & Me" Hour ✨
A small, online space for women to talk honestly about money. No complex slides. No lectures. Just a safe, €25 guided conversation twice a month.

This is for you if:
• You’re tired of feeling alone in financial decisions.
• You want to swap "money shame" for clarity and intentional, smart decisions and actions
• You want to hear from other women facing the same real-life struggles.

How to join:
1️⃣ Comment "MONEY" below and I'll DM you the link to join our private WhatsApp group.
2️⃣ I’ll share the upcoming dates and Zoom links there.
3️⃣ Join us for 1 hour with your tea or coffee. Come as you are.

Let’s ditch the guilt, anxiety and shame and start the work. See you there? 🌸

18/03/2026

Nice to meet you!

Hi, I’m Andreea and here are a few things about me:

• Financial Management Consultant, Financial Well-Being Coach & Mentor

• Founder of the I GROW FIN method - a framework that helps people build a healthier and more intentional relationship with money by connecting financial clarity and systems with personal values, behaviour, and long-term goals

• Proud wife and mother of two teenagers (which means I also get daily lessons in negotiation, psychology, and budgeting)

• +17 years professional background in financial audit, controlling, and financial management

• Ex Audit Partner

• Worked in multinational and diverse industries: healthcare, commerce, infrastructure, manufacturing, tourism, gambling, real estate, agriculture, media production and consulting

• Romanian by origin, currently living my life as an expat in The Netherlands

• I’m a recovering perfectionist and a long-time carrier of impostor syndrome, although less these days. 💪

• in 2020, just before the pandemic, I made one of the biggest decisions of my life:
- I stepped down from my role as Audit Partner
- moved to The Netherlands with my family
- and decided to begin a completely new chapter with a lot of curiosity… and a lot of gratitude for everything that had built me up to that moment.

• started education in counselling for personal development and got certified as a transformational coach

• started my own business - my 3rd entrepreneurial journey

• determined to show the human side of money, make finances easier to understand and manage, and support people in growing financially while building lives aligned with their values and meaningful goals

I do this through:
• 1:1 financial well-being coaching and consultancy for individuals
• 1:2 coaching sessions for couples who want healthier money conversations and financial clarity, and growth
• career and business mentoring
• financial well-being programs & workshops

* I don’t believe in one-size-fits-all

* I believe in integrity, responsibility, kindness, education and meaningful work

* I enjoy long walks, nature, fashion design and nice people

Thank you for being here 💛

14/02/2026

Financial harmony is a form of love. ❤️

It looks like:

- feeling safe to talk about money and anything related to it with your partner

- making decisions together while respecting both individual and shared goals

- having a shared direction regarding your financial future as a couple/family

Because love is not only about how we feel, it’s also about how we build our lives together.

❤️ Happy Valentine’s Day!

P.S. Don't forget about my 2 gifts for you two in February (in the comments 👇 ):

- the Couples Money Alignment Worksheet - a guided conversation for the two of you to help you make money conversations easier and more meaningful

- the 30-minute clarity conversation with me, during which we look together at:

->where you are now,

-> what feels stuck,

-> what would create the biggest shift for you as a couple in your financial life.

13/02/2026

You start calm and 5 min later you're arguing.
You feel blamed.
You shut down.
You never solve anything.

It's not the relationship.
Even loving partners argue about money, and somwtimes they seem to become opponents in money conversations.

At least 2 reasons for that:
- wrong moment => wrong outcome
- no one taught you how to have safe and grounded money conversations

💕If you feel like it's time to have better money conversations, comment

13/02/2026

“When we talk about money, it always ends badly.”

I hear versions of this sentence often:

“We start calm, and five minutes later we’re arguing.”

“I try to explain, but I get interrupted.”

“I feel like I’m being blamed.”

“I shut down because it feels pointless.”

“We never actually solve anything.”

From my experience, two things are usually happening:

1. The conditions.

Money conversations often start:

- late at night

- during stress

- in the middle of an already complicated situation

- right after a trigger

- when emotions are already high

Under those conditions, even loving partners can start sounding like opponents.

- Thier voices get louder.

- Defensiveness shows up a lot.

- Someone withdraws.

- Someone explodes.

After experiences like that, it makes sense that no one is eager to start another money conversation.

2. No one ever taught them how to talk about money safely.

Most of us were never shown what a grounded financial conversation actually looks like.

So they try, it goes badly, and silence starts to feel safer than trying again.

But silence doesn’t have to be the ending.

Often, what helps isn’t another attempt at the same conversation; it’s changing how and where it happens:

- into a safe space

- where both partners can speak and

- be heard calmly, safely, and without judgment.

That’s one of the reasons I’m offering a free 30-minute Couples Finance Check-In (for February bookings).

A neutral space to slow things down and talk without the conversation spiralling.

Why free?

Because money in relationships is deeply personal, often heavy, and one of the main reasons couples hesitate to seek support.

💕 This is simply my way of making that first step easier - if and when it feels right for you. Sometimes, one calm conversation is all it takes to change the direction.

You can find the link in the comments below. 👇

12/02/2026

In one session, she said:
“I don’t even know how much he earns. He will not tell me.”

In another, he said:
“She thinks I spend too much, so I just stopped telling her.”

And then there was:
“I have a credit card she doesn’t know about.”
“It’s not that bad. I’ll fix it.”
“She doesn’t need to know every detail.”

“I just didn’t want to stress him.”
“It’s not that serious.”
“We’ve never actually reviewed our accounts together.”

Most couples don’t wake up one day and decide to hide things.
FINANCIAL SECRECY doesn't start dramatically.
It happens slowly. It starts in small omissions, small decisions, small discomforts.

- A number feels embarrassing.
- A purchase feels easier not to mention.
- A debt feels too heavy to say out loud.

And sometimes it grows into FINANCIAL INFIDELITY - spending, borrowing, or making decisions without transparency.
And then one day, you realise you’re living next to each other financially - not together, but apart.

Silence around money doesn’t explode relationships.
It creates distance first.
And distance is quieter.
Harder to notice.
But just as powerful.

This week, I’m sharing a free Couples Money Alignment Worksheet.
It's not the solution to all the money issues; it's not intended to fix anything overnight, but it's here to help couples sit at the same table again. Because it matters long-term.

Check it out in BIO.

11/02/2026

In my work with couples, I often hear sentences like these:

“Money slips through our fingers.”

“I live with constant anxiety because of our credits.”

“My partner is optimistic, but I feel lost. We don’t even know where we are financially.”

“My partner keeps hoping for a solution, and I feel like I’m the only one living in reality.”

These are not complaints. Behind these words, there’s usually one partner who carries the money mental load:

- The one who tracks.

- The one who worries.

- The one who anticipates.

- The one who holds the anxiety.

- The one who carries the pressure of “we need to get our sh.. together.”

The other partner may not see this weight and might experience money in a more hopeful or intuitive way.

Not because they don’t care, but because they experience money differently (due to their own money story, memories, and events that shaped their financial personality).

Over time, this difference can turn into frustration, resentment, overwhelming emotions, and even anger.

Mainly because responsibility feels uneven and unseen.

This is why money tension in couples is rarely related just to spending or budgeting.

It’s in fact about who carries the worry, the anticipation, and the emotional weight.

Things often shift when couples become aware of who carries what, not to point fingers, but to create more balance.

The free 💕 Couples Money Alignment Worksheet includes a short reflection on roles and responsibilities, not to assign blame, but to make the invisible visible.

Check it out in the comments below. 👇

It might just shift some things for you, too.

10/02/2026

I haven’t posted much this year yet.

But February felt like the right moment to come back to a conversation that matters deeply to me: couples and money.

For 3 years now, every February - often called the month of love - I come back to the same topic, not because it’s trendy, but because it’s where many relationships quietly struggle.

Love doesn’t stop at romance.

Believe it or not, it also shows up in how couples deal with money.

Money tension in couples rarely starts with numbers.

It starts with avoidance. We don’t really talk about money.

“Now is not the right moment.”

“Let’s not ruin the mood.”

“We’ll talk about it later.”

Until later becomes stress, resentment, or conflict.

We postpone the conversation because it feels uncomfortable, risky, or heavy.

Avoidance is understandable, but it doesn’t create safety long-term.

Silence can feel like peace for a while.

Until decisions pile up, worries grow, or stress forces the topic back into the room.

What I see again and again in my work with couples is this:

They don’t need stronger opinions or louder voices.

They need a calmer and clearer place to start.

This week, I’m sharing a free Couples Money Alignment Worksheet designed as a first step for couples who want to talk about money without escalation.

💕 Find it in the comments below, and this February💕, start from there, together.

02/12/2025

Lately, I’ve been hearing more and more people say things like:

“It’s hard to accept that I don’t have the budget this year to buy the gifts I’d love to give.”

Black Friday, Christmas, winter holidays…all of it feels out of reach simply because the money isn’t there.

And it hurts.

It’s also become expensive just to go out, to socialise, to participate in life the way we used to.
For many, this year-end brings moments of quiet panic:
- maxed-out credit cards
- loans on top of loans
- a level of debt they’ve never experienced
- uncertainty at work
- and the fear of what next year’s prices, taxes, and changes might bring

And beneath all these, there is also the emotional weight of not being able to give, offer, contribute, or show up the way you wish you could.

That part is the heaviest.
And most of us don’t talk about it.

But here’s what I want you to remember:
🧡 Your generosity is not defined by your bank account.
🧡 Your true relationships are not tied to what you can buy.
🧡 Your worth has nothing to do with money.

And even if your finances feel tight right now, it’s not the end of the story.

Year-end should not be about judging yourself. It is supposed to be about seeing yourself more clearly and giving you a strategic checkpoint:
☑️What drained your finances?
☑️What supported you?
☑️What patterns kept repeating?
☑️Where did your emotional triggers influence money decisions?
☑️What needs to shift so next year feels lighter?

Once you understand the “why,” you can finally adjust the “how.”

If reading this made you think, “I don’t want to start another year feeling like this,” I hear you.
And if you want to step into the new year feeling grounded instead of overwhelmed, I’ve opened a handful of 1:1 December sessions.

These are dedicated to year-end clarity:
- your numbers,
- your mindset,
- your habits,
- your next steps.
DM me if you want to book one. They’re limited. Link in first comment. 👇

01/12/2025

Let me tell you one common financial sentence I hear often, and maybe you’ve said it too:

“I don’t have savings or a financial buffer, but honestly… I’m fine. I’d rather enjoy life now.”

They say it with honesty, confidence, and zero guilt.
And honestly? I love that.

But what we often don't realise is this:
Saying “I don’t HAVE savings” is rarely the real problem.
Saying “I don’t NEED savings” is.

Because “not having savings” is uncomfortable, yes, but “telling yourself you don’t need them” feels much easier… until it doesn’t.

And I get it:
👉 When the present feels uncertain, talking about the future feels uncomfortable.
👉 When income fluctuates, saving feels like a luxury.
👉 When you’re emotionally exhausted, “planning” feels like one more pressure.

💛 But savings aren’t about restriction.
They’re about protection.
They’re about choice.
They’re about peace.
They are about the future that you own.

It's:
- the freedom to take a rest when your body says “stop”
- the comfort of not spiraling when life throws surprises
- the space to dream bigger than “survive this month”
- the safety to leave what no longer aligns
And I think all these are meaningful. Don't you?

Because December often brings:
- tight budgets
- scattered numbers
- emotional pressure
- “next year will be different” energy
- and very little time to actually create a strategic plan

I’m putting together a very short and practical Year-End Financial Clarity Workshop, something simple, grounding, and actually doable before the year ends. Savings included. 😉

If you want to walk into January with a calm mind, a clear plan, and a sense of control over your money…
Send me a DM, and I’ll share the details first.

27/11/2025

QUIZ: Are Your Employees Financially Stressed?

Financial stress is one of the top 3 hidden costs in organizations.
Research shows that financially stressed employees are:

- 5× more likely to be distracted at work
- 2× more likely to seek a new job
- Lose on average 1 month of productivity per year
- And 70% say they bring money worries to work daily

So… is this happening inside your team?
You can check it yourself with an eye-opening 2-minute quiz.

Comment “ESSENTIALS” or DM me, and I’ll send you the quiz so you can spot financial stress early, understand where your team is losing focus, and see what they truly need from you.

Adres

The Hague

Website

http://andreeabirou.com/, https://forms.gle/eXxuFiTLfBrsLDeF8

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