The UK Money Coach

The government’s planning to slash the Cash ISA limit and it might hit families harder than they realise.

If you’ve been using your ISA to save for holidays, emergencies or short-term goals, this change could make it harder to keep your money safe and tax-free.

I break it all down in my latest blog post and share a few ideas for how to adapt without stress or overwhelm.

👉 Link in bio to read.

And yep, this is part of a new blog I’ve just launched, for high-earning UK families and professionals who want to feel more in control of their money, without spreadsheets or guilt.

Got a topic you'd love me to write about? Drop me a DM or reply to the poll in my Stories.

🚨 DAILY GRIND GETTING YOU DOWN? 🚨

It can be easy to convince yourself that becoming financially independent is out of your reach when in fact, a few simple actions could set you down the path to getting your life back.

The question is...how much do you want it?

If you're ready to stop dreaming and start living, cmment or DM me "READY" to schedule a free call where we can figure out a plan to get you moving in the right direction 🙌

THE REAL REASON

Having worked with clients from all walks of life, with finances and financial experience covering a broad spectrum, there are a couple of things that have been consistent across them all;

1 - they all experienced some form of negative emotion around money. Whether it was fear, shame or guilt, it was preventing them from making the most out of their finances, leading them to feel helpless and confused;

2 - they had all tried one or more different ways to manage their money. Whether it was a budgeting technique or the latest no-spend / saving challenge, they consistently failed to see the overall results they were hoping for;

What I've found to be the root cause of all of this is that they've not been able to see their money clearly. Just like planning a journey, having everything laid out in front of you can help you to see problems where they are and address them, making sure that you arrive at your final destination on time.

This is why it's the first thing I cover with my clients in their very first coaching session with me. The sense of relief and excitement at finally being able to make real progress with their money and see a path towards their goals is always a joy to see.

If you want to experience this for yourself, comment or DM me "READY" and I'll send you the link to book a free 20min call with me so we can get started 🤙

👀 KEEP PERSPECTIVE 👀

With the sunshine finally arriving in the UK (and hopefully staying for longer than a few days) I'm finally starting to feel that summer buzz! Being able to step outside the house with fewer than 3 layers has been totally liberating 😂

Last night, with the excitement for our family summer holiday starting to build in my mind, I took a moment to look over photos from our past holidays and reminisce about 'the good times' and it hit me just how much my kids, my wife and even I had changed, even from just a few years ago.

We're fortunate that everything is well and we continue to move in a positive direction but it's also sad to once again realise that time is fleeting. Chloé will never be the cute, chubby 3yr old again. She may not 'let' me bury her in the sand this summer 😭

As I shared my sadness with my wife, she reminded me that I'll be feeling just as sad when Sophia is no longer 3yrs old.

She's right of course. It's Sophia that I need to bury this summer, not Chloé! 😁⛱️

❤️

You may be thinking that you're not good with money but did you know that this belief could be the thing that's holding you back from living your best life?

The thoughts we allow ourselves to think, form our beliefs about ourselves and the world around us and over time, these thoughts start to determine our actions which in turn drive our habits 💪

If you consistently tell yourself you're not good with money, over time your actions will prove that to be true and the results you see will further reinforce this belief 😩

No one was born being 'good with money'. They ALL learned it and you can too!

It starts with allowing yourself to believe that you CAN be good with money. Try imagining a future where that's true and give yourself permission to take some small actions to make that future a reality 💭

Read one book, listen to a podcast, shoot me a DM or let's jump on a call...

..it starts with one small action to get the ball rolling! 🎯

I'LL FIGURE IT OUT

A throwback to when my eldest was just a month old and still unsure of whether I was the right guy for the job! 😆

If my life til that point had taught my anything, it was that I was resilient and capable of figuring things out. No parent is born with the knowledge of how to raise their children but much like with personal finance, there are myriad books and online resources available which can give you a wide range of perspectives on an even wider range of topics. But I had better things to do than to sit around reading books on parenting.

Besides, if all else failed, my parents would no doubt offer their guidance, wanted or not! 👵🏻

With parenting, the feedback loop is a pretty short one so you're kept accountable for sticking with it and making it work. But when it comes to managing your own money, the consequence of not sticking with it may not be felt for years, if at all.

I mean, will you ever really know what you've missed out on in life by not managing your money better? Probably not.

But the doors that open when you have control of your finances are limitless, both for you and for your kids. That's why I now advocate parents to manage their finances in a simple yet efficient manner, paving the way to wildly successful futures for future generations of their family.

It helps to first get a handle on what your money is doing today. I have a FREE resource that can help you get started with this.

Comment or DM me ""WEALTH"" to get your copy. 🎯

This is a very common question I get from couples I work with and the truth is, its not the lack of combined finances that's hurting them but the lack of communication.

More often than not, the only time a couple talks about money is when they are struggling with it and to make matters worse, it's usually an adversarial conversation where one partner seeks 'win' over the other.

If you're willing to front-load the pain and work through your finances together now, you can avoid building up years of resentment which over time could kill your relationship.

Here are a few steps you can take:

1️⃣ 𝗖𝗿𝗲𝗮𝘁𝗲 𝗮 𝗖𝗲𝗻𝘁𝗿𝗮𝗹 𝗕𝘂𝗱𝗴𝗲𝘁 - this doesn't mean you have to have joint accounts but having a way of seeing all of your finances together in one place will make your life so much easier and 10x your transparency around money. Not only that but it keeps you both equally accountable to manage your money in a way that you've both agreed and best of all, it allows you to be as EFFICIENT as possible with the money you have.

2️⃣ 𝗘𝗱𝘂𝗰𝗮𝘁𝗲 𝗬𝗼𝘂𝗿𝘀𝗲𝗹𝘃𝗲𝘀 𝗧𝗼𝗴𝗲𝘁𝗵𝗲𝗿 - no one is born with the knowledge of how to manage their money. If growing your wealth and achieving financial stability and success if important to you, you're going to have to work for it. And that all starts with learning.

3️⃣ 𝗖𝗿𝗲𝗮𝘁𝗲 𝗖𝗲𝗻𝘁𝗿𝗮𝗹 𝗚𝗼𝗮𝗹𝘀 - the most important are usually where you'll live and when, what your financial freedom number is and what your retirement goals are. Creating shared goals like these will give you a black and white definition to ""being on track"" which means you can spend less time stressing about your progress and more time workling on your relationship

Most of the time, this isn't going to be easy but it takes big commitments to reach your foals and be happy. The sooner you get going, the easier things will be in the long run.

If you're a couple making £100k or more per year and need help structuring and optimising your finances...

DM me "READY" and let's chat 🤙

Most people spend far too much time pinning their hopes of financial success to their salary. Sure, a high salary will always be a big help but how you use the money you have is the deciding factor when it comes to being financially successful.

And whilst everyone's situation will be different, there are some general rules which you can follow that will get you started and most of the way there!

Managing a family can be stressful enough without second guessing every financial decision so let's keep things simple and follow these steps - you'll be surprised just how big a difference they will make!

If you need help fixing your family finances, DM me "FAMILY" and let's get to work 🤝

Does the thought of looking through your bank statements send shivers down your back? 😰

Do you put off having conversations about money with your partner for fear of having an argument and 'rocking the boat'? 🤐

Do you regularly feel like you're the only one in a group who isn't being 'smart' with their money? 😭

Personal finance does not need to be scary or complicated. With a personalised approach to coaching, I help my clients to become confident and successul at managing their money so that achieving their goals is a question of WHEN and not IF! 🤩

If you want to experience it for yourself, comment or DM me "READY" and I'll send you the link to book a free 20min call with me where we can dicsucss more about how coaching might look for you 🤙

There are times in life when we have to face up to the things we really don't want to do because we KNOW that what lies on the other side will be WORTH it.

This was exactly the decision I faced a decade ago when I had tried everything I could think of to manage my money without using a budget but pretty much all of them didn't work because they looked backwards at what I DID spend rather than forwards and what I CAN spend.

Once I embraced the decision to budget I discovered that there's plenty of flexibility to manage a budget in a way that suits me so I didn't have to be stuck with a dreary excel file unless I wanted to.

Although it took me over a decade to master, the system I use now means that I can live my life outside of a spreadsheet.

Now I get to share this to help YOU with your money. No need to spend a decade figuring things out on your own, like I had to.

If you're ready to take action and start winning with your money...

DM me "HELP" and let's get to work 🤝

👋 ALLOW ME TO RE-INTRODUCE MYSELF👋

I'm The UK Money Coach. A second generation Brit who has always been passionate about helping others.

I’m a husband, father of two and on a mission to reclaim my life so I can do more of the things I love with the people I love!

A decade ago I went through my own financial journey. Despite being a Chartered Accountant and having worked in the finance industry for over 10 years, I still struggled with budgeting and having enough money each month to live my life.

I know what it’s like to feel stagnant and anxious at the thought of falling behind your peers but also stressed because you're not consistently saving for your retirement or your kids.

And I also know what it’s like on the other side. 🌈

I spent the better part of a decade figuring out the strategies and actions I could take with my own family's finances to create the life we really wanted. Through each attempt and all the trial and error, I was able to refine my process and now I have a system that works to successfully eliminate all of my money-stress and overwhelm and leave me feeling excited about my family's future.

That system and the lessons I have learned along the way are what I now get to share to help YOU with your money. No need to spend a decade figuring things out on your own, like I had to. Together, we can fast track your path to success and help you create the financial future you want for yourself and your family. 🎯

It all starts with a free 20min call so I can get to know what's going on for you and we can ensure I'm the right person to help guide you through your money challenges.

Comment or shoot me a DM with the word "READY" to get started 🤙