Our Services

Practical financial guidance tailored to your specific needs and circumstances

Every service we offer begins with understanding where you are now and where you want to be. We don't believe in one-size-fits-all solutions. The strategies that work for a graduate starting their career look completely different from those suited to a family saving for a home or a freelancer managing irregular income.

Below you'll find our core service areas. Many clients work with us across multiple areas as their situations evolve.

Personal Budgeting

From £95 per session

Understanding where your money goes is the foundation of financial control. We help you build a budgeting system that reflects how you actually live, not how financial experts think you should live.

This isn't about deprivation or tracking every penny forever. It's about creating visibility and making intentional choices about your spending priorities.

What's Included

Comprehensive spending analysis of the past 3-6 months
Identification of spending patterns and opportunities
Custom budget framework design for your lifestyle
Tool recommendations and setup assistance
Follow-up session to refine and adjust

Debt Strategy

From £120 per session

Debt can feel paralysing, especially when you're juggling multiple balances with different interest rates and minimum payments. We help you develop a clear, prioritised approach to becoming debt-free.

Whether you're dealing with credit cards, personal loans, or a combination, we'll work through the maths together and create a realistic timeline for paying things off.

What's Included

Complete debt inventory and analysis
Interest cost calculations and prioritisation strategy
Payment schedule optimisation
Balance transfer and consolidation evaluation
Creditor communication guidance where appropriate
Monthly progress tracking framework

Savings Planning

From £95 per session

Building savings requires more than good intentions. We help you set realistic targets, automate your saving process, and create the right account structure for your goals.

From emergency funds to specific targets like holidays, house deposits, or education costs, we develop a system that makes saving feel achievable rather than aspirational.

What's Included

Goal clarification and prioritisation
Savings capacity analysis
Account structure recommendations
Automation setup guidance
Progress milestone planning
Quarterly review sessions available

Business Cash Flow

From £150 per session

Running a small business or working freelance means dealing with income that doesn't arrive in neat monthly packages. We help you build systems to smooth out the bumps and plan for both lean and busy periods.

This service covers forecasting, buffer building, tax planning basics, and separating business and personal finances effectively.

What's Included

Cash flow pattern analysis
12-month rolling forecast template
Buffer fund calculations and targets
Tax set-aside recommendations
Business/personal finance separation guidance
Seasonal planning for variable income

Couples Financial Planning

From £140 per session

Money conversations can be challenging for couples, especially when you come from different financial backgrounds or have different attitudes toward spending. We facilitate productive discussions and help you build shared financial goals.

Whether you're newly together, getting married, or have been partners for years, aligning on money matters can strengthen your relationship.

What's Included

Individual financial background discussion
Joint goal identification and prioritisation
Account structure options (joint, separate, hybrid)
Spending agreement framework
Major purchase planning approach
Ongoing financial communication strategies

Financial Foundations Workshop

£275 (4 sessions)

A structured programme covering all the fundamentals of personal finance. Ideal for anyone who wants a complete grounding in money management, whether you're just starting out or realising you missed some basics along the way.

Four sessions covering budgeting, debt, saving, and planning for the future, with practical exercises between each session.

What's Included

Session 1: Understanding your current financial position
Session 2: Building an effective budget
Session 3: Debt management and savings strategy
Session 4: Planning for goals and the unexpected
Workbook and templates included
Email support between sessions

Quick Comparison

Find the right service for your situation

Service	Best For	Starting Price	Duration
Personal Budgeting	Anyone wanting spending clarity	£95	60-90 mins
Debt Strategy	Those with multiple debts to manage	£120	90 mins
Savings Planning	Goal-focused savers	£95	60-90 mins
Business Cash Flow	Freelancers and small business owners	£150	90 mins
Couples Planning	Partners aligning on money	£140	90 mins
Foundations Workshop	Complete financial education	£275	4 x 60 mins

How Sessions Work

Book Your Session

Get in touch to schedule a time that works for you. All sessions are available remotely via video call, making them accessible regardless of where you are in the UK.

Prepare (Lightly)

We'll send you a brief questionnaire about your situation. No need to organise perfect records, just bring what you have and an openness to discuss your finances honestly.

Meet and Work

Our sessions are collaborative working sessions, not lectures. We'll analyse your situation together and develop practical strategies you can implement immediately.

Take Action

You'll leave with specific action items and any tools or templates we've created together. Follow-up support is available if you need help implementing.

What Makes Our Approach Different

No Products to Sell

We earn nothing from recommending specific banks, apps, or financial products. Our advice is based purely on what works best for you.

Practical Focus

Every session ends with concrete next steps. We focus on what you can actually do, not theoretical ideals that don't match real life.

Human Understanding

Money is emotional. We acknowledge that and work with how you actually think about finances, not how textbooks say you should.

Ongoing Support

Life changes and so do financial needs. We're available for follow-up sessions as your situation evolves and new questions arise.

Service Questions

Which service should I start with?

If you're unsure where to start, the Personal Budgeting session is usually the best foundation. It gives you visibility into your current situation and often reveals what needs attention next. Alternatively, if you know you have debt concerns, starting with Debt Strategy can provide immediate focus. The Financial Foundations Workshop is ideal if you want comprehensive education across all areas.

How many sessions will I need?

It varies considerably. Some clients achieve their goals with two or three sessions. Others work with us over several months during significant life changes. We'll give you an honest assessment after your first session. There's never pressure to book additional sessions.

Can I combine multiple services?

Absolutely. Many clients address multiple areas, either in single longer sessions or across several sessions over time. We can create custom packages if you know you need help with several areas. Contact us to discuss your specific situation.

What information should I have ready?

Before your session, it helps to have access to your bank statements (digital is fine) and a general sense of your income and major expenses. If you're working on debt, having rough balances and interest rates is useful. But don't let imperfect records stop you from starting. We work with what you have.

Do you offer refunds?

If you're not satisfied with your session, let us know within seven days and we'll discuss a partial or full refund. Our goal is that every client gets genuine value. If that didn't happen, we want to make it right.

Ready to Get Started?

Reach out to discuss which service might be right for your situation. There's no obligation and no pressure.