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Empowering Women on the Move to Build Wealth, Agency, and Security

Tailored trainings, workshops, retreats, and resources designed for women navigating life across borders and life transitions.
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The Flourish Programme

A pioneering financial empowerment programme for women on the move.

The Flourish Programme is for women navigating major life transitions without tailored support.

We provide financial education, community, and relational empowerment to help women build stability and thrive.

Our programme includes live and online courses, with digital content coming soon.

Live
Online Courses
The Flourish Programme is for you if you are:
  • Navigating change — across countries, careers, or life stages — and seeking clarity and confidence
  • Intentionally building stability, growth, and long-term prosperity
  • Prioritising wealth-building and a secure financial future
  • Looking for a supportive community of women who understand life on the move
  • Seeking practical, thoughtful financial guidance designed for women like you
  • Committed to lifelong learning and growing at your own pace
  • Focused on creating generational wealth and a lasting legacy
  • Ready to be part of a movement that supports women on the move to truly thrive
See How Flourish Work

What to expect from the Flourish Programme

Monthly Live Sessions
  • Connect with financial experts, entrepreneurs, and mentors in real time.
  • Ask questions, share experiences, and turn insights into action.
  • Your next breakthrough is just a session away!

• Track. Learn. Celebrate.
• Stay on target with worksheets, money journals, and WhatsApp micro-lessons—all supported by a community of peers and expert guidance.

  • Exclusive, members-only sessions with financial and personal growth mentors.
  • Get tailored guidance, practical strategies, and confidence to navigate your unique financial journey.

Connect with a vibrant community of women on the move.
Share stories, exchange resources, and find camaraderie, encouragement, and belonging.

Never miss a lesson!
Access a growing library of past workshops, articles, videos, and interactive tools—learn at your own pace, anytime.

Transform your financial knowledge with interactive online courses designed for women on the move.
Stay tuned for the launch and take control of your learning journey.

Explore our Flourish Personal Finance Courses

Q1 — Building a Strong Financial Foundation

Clarity, confidence, and direction

Module 1: Unpacking Your Money Story
  • Explore inherited money beliefs and their impact on decisions.
  • Examine societal, cultural, and intersectional influences on financial attitudes.
  • Identify and overcome limiting beliefs to create empowering perspectives.
  • Reframe your money story to align with your values and goals.
  • Learn strategies to transform habits for long-term financial success.
  • Learn the SMART framework to set actionable financial goals.
  • Clarify your core values and align them with your financial priorities.
  • Evaluate trade-offs and make informed decisions.
  • Create a personalized plan to maintain consistent financial habits.
  • Identify obstacles and strategies to stay motivated on your journey.
  • Identify and develop multiple income streams.
  • Leverage your existing skills for part-time or flexible opportunities.
  • Learn effective salary negotiation techniques.
  • Explore remote work options for flexibility and growth.
  • Understand the gender pay gap and how it impacts your earning potential.

Q2 — Building Financial Stability

Module 4: Budgeting & Dual Responsibilities
  • Categorize and track expenses: needs vs. wants.
  • Distinguish fixed and variable costs for accurate budgeting.
  • Create a personalized budget with practical tools.
  • Optimize savings through smart expense strategies.
  • Manage dual financial responsibilities: remittances and local goals.
  • Navigate exchange rates and their impact on family support.
  • Balance investments with cost-of-living considerations.
  • Open EU-based accounts for streamlined saving and investing.
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  • Identify potential financial risks and prepare for the unexpected.
  • Assess personal vulnerabilities and design a resilient strategy.
  • Calculate emergency fund needs based on living expenses and circumstances.
  • Apply practical saving strategies to grow your fund.
  • Explore account options for efficient fund management.
  • Set clear goals to guide consistent saving and ensure coverage.
  • Understand private savings strategies to prepare for later life and rising retirement ages in Europe.
  • Identify gaps in your current coverage to reduce financial vulnerability.
  • Understand essential insurance types: health, life, property, disability, and long-term care.
  • Evaluate and compare policies based on personal needs and life stage.
  • Use insurance strategically for tax planning, estate planning, and wealth transfer.
  • Conduct cost-benefit analyses to find the most effective coverage.
  • Gather quotes and make informed, confident decisions.
  • Regularly review policies to ensure they evolve with your life circumstances and goals.

Q3 — Building Sustainable Generational Wealth

Module 7: Start Small: Begin Your Investing Journey
  • What is investing? Why invest?
  • Understand how investing builds financial independence, resilience, and generational wealth.
  • Assess your financial starting point: income, expenses, savings, and safety nets.
  • Identify limiting beliefs and fears around money and investing.
  • Learn the essentials: risk, return, diversification, and compounding.
  • Explore key financial assets: stocks, bonds, funds, property, and alternatives.
  • Recognize emotional and cognitive responses to risk and develop confidence.
  • Take practical, safe steps to start investing today.
  • Build a small, manageable investment portfolio with tracking tools.
  • Create a personalized roadmap to grow investments over time.
  • Integrate investing into your broader financial plan and build long-term habits.
  • Understand the role of investing in long-term financial independence and legacy creation.
  • Learn about asset classes: stocks, bonds, funds, property, and alternatives.
  • Explore risk and return: balancing growth with financial security.
  • Build a small, actionable investment portfolio tailored to your life stage and goals.
  • Discover strategies for cross-border investing, managing currencies, and mitigating volatility.
  • Align investments with personal values, including ethical and impact investing.
  • Plan for wealth transfer: inheritance, estate planning, and supporting the next generation.
  • Integrate investing into broader financial planning for resilience, agency, and independence.
  • What is ESG? Learn how Environmental, Social & Governance factors shape investments.
  • Values-Based Investing: Align your money with your ethics and priorities.
  • Evaluating Opportunities: Spot authentic ESG options and avoid “greenwashing.”
  • Integrating ESG: Build a portfolio that balances impact with returns.
  • Practical Tools: Access ESG funds, ETFs, and apps to track progress.
  • Real-Life Applications: Case studies for cross-border and midlife investors.
  • Action Plan: Create a roadmap to grow wealth and make a difference.

Q4 — Building a Lasting Legacy & Preserving Wealth

Module 10: Fast-Track Your Financial Comeback – For Women 40+
  • Map your finances and see exactly where you stand.
  • Reset your money mindset and reclaim confidence.
  • Focus on high-impact actions that accelerate results.
  • Build safety nets fast: emergency funds, insurance, and contingency plans.
  • Start investing strategically—even if you’re catching up.
  • Maximize income through skills, negotiations, and flexible opportunities.
  • Navigate pensions, taxes, and cross-border retirement options.
  • Grow transformational assets for long-term wealth.
  • Use smart tools to track, automate, and optimize your progress.
  • Create a clear 1–5 year roadmap to financial independence.
  • Assess state and employer pension options in your country or EU context.
  • Explore retirement savings opportunities for women starting after 40.
  • Learn strategies for building supplemental income and private funds.
  • Plan for healthcare, longevity, and unexpected life changes.
  • Understand cross-border implications: currency, taxation, and benefits.
  • Create a step-by-step retirement roadmap that aligns with your lifestyle and mobility.
  • Understand how money beliefs shape relationship dynamics.
  • Communicate financial goals and boundaries with partners, family, and dependents.
  • Manage shared expenses, remittances, and support funds without conflict.
  • Negotiate financial responsibilities with confidence and clarity.
  • Balance independence with collaboration in joint financial decisions.
  • Plan for life transitions: separation, relocation, caregiving, and career shifts.
  • Develop strategies to protect personal wealth while maintaining healthy relationships.
  • Align financial choices with long-term goals and values, reducing stress and fostering trust.

The Women Leading Your Journey

Experts who not only teach, but have walked the path of women on the move, bringing insight, wisdom, experience, and unwavering support to help you thrive.

Maria Carmela Zabala

Founder of WEMatter and champion of women on the move. She has developed financial literacy programmes across the world, with her curriculum integrated into Accountancy CPD in the Philippines. With a global perspective and a deep commitment to intersectional impact, she guides women in building wealth, confidence, and lasting legacies.

EJ Alawode

Highly accomplished teacher and mentor, expert in intercultural development. Having lived and studied in multiple countries, she understands complex, intersecting identities. Her PhD integrates AI and entrepreneurship to help women launch their ventures.

Maria Cristina Nadolu

EU-certified personal development coach and facilitator, Maria Cristina blends art history and international communication with intercultural dialogue and yoga-based practice. With experience across the world, she supports women in transition to build clarity, resilience, and authentic direction.

Maria Cristina Lopez Genicio

As an economist, she built her career improving profitability in multinational companies. She now applies this experience to personal finance and investing, teaching women practical strategies to take control of their money.

Fatima Zohra Ouali

As a lecturer and researcher specializing in international relations, geopolitics, and geo-strategy. She is currently a PhD candidate in International Studies at the Complutense University of Madrid. With over a decade of academic and professional experience in higher education, diplomacy, and research, she has held teaching and coordination roles in Qatar and contributed to publications on Gulf geopolitics, international law, and regional integration. Her work combines academic research, curriculum development, and professional training leadership within international higher education contexts.

Stories from Women We've Empowered
“Flourish is for me. I will rely on their support as I navigate the next stage of my life.”
Wowiena Oliveros de los Reyes, Teacher
“Reflecting on my own journey as a woman on the move, I realize how invaluable such guidance would have been. I highly recommend women planning to make major life changes to check out WEMatter programmes.”
Riza Curaming, Account Manager
“Finally, an accessible program for women in a multicultural country like Spain! I’ll be sure to share this with my friends who are on the move!”
Ismanah Hayes, Teacher and Artist
The Flourish Community
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Already represented and growing

Connecting women across Barcelona 

Hosted since December 2024 

By and for women on the move

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!

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.

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.

Live FLOURISH workshops were created to complement the online course by providing interactive, real-time engagement and personalized support for women.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Let’s journey together. Sign up for insights, stories, and upcoming events.”