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Having money confidence

Do you feel that you lack money confidence? Do you feel unsure of how to manage your finances but would like less pressure and to feel more in control?

You are certainly not alone. Many people feel the same, most of my clients come to me because they need help with the emotional and practical side of managing their money.

I am not a financial advisor and I won’t email you with the latest money saving deals, but I will help you to explore your relationship with money, layer by layer.

Using my 12 step programme we’ll look at how you would like to feel about money and what your life will be like when you have money confidence. In addition, a deep passion of mine is how changing your approach to money can have a positive impact on your family life and how your children learn to value money.

My services are tailored towards two groups of people with very specific needs.

The first are young adults (generally aged 16-24 years) who are stepping out into their own financial journey.

The second are individuals who would like the confidence to control their finances rather than feeling their finances control them (this group are more likely to be women who are looking for greater financial security after life triggering events such as redundency, becoming a carer, marriage, divorce or becoming a mother).

Learning to become financially savvy

Most parents want their children to grow up as independent, confident and happy adults. As parents we make many decisions to help our children achieve this, however there are some things our children need do on their own and find their own way.

This is often the case with money, by continuing to make financial decisions for our children without involving them in our thoughts and helping them to experience the value of money, we are hiding them from very valuable life lessons.

The aim of working with young adults on their Money Mind is to inspire and impart knowledge on how they can make the most of the money they have.

All workshops and mentoring for young adults have been designed to motivate 16-24 year olds who have the ambition to take control of their finances and the desire to get ahead through smart financial planning.

How would it feel to be in control of your finances?

Do you sometimes feel that your finances control you? That as each month passes your salary is accounted for before you’ve even thought about treating yourself? Do you feel that life would be less stressful if you didn’t have to worry so much about your bank balance or fear your monthly credit card statement.

You’re not alone, with average household debt of £54k (£6k of which is credit cards and loans), we are parting with £2,251 just to pay our credit interest each year. (Source; www.themoneycharity.org.uk)

Do you feel like your finances are running away from you?

My passion is putting order to personal finances and specifically how we think and feel about money. The way we treat money is a core part of who we are, it’s a behaviour and like most behaviours it can be changed so that you can achieve the things in life you most want.

Our treatment of money also involves emotion, we buy to comfort ourselves in the same way we might eat, drink or smoke. Spending can be addictive.

If any of the above feels true for you, find out how you could make some changes, or get in touch, I’d love to hear from you at hello@lookafteryourpennies.com

What does the financial future look like?

As with most generations, the young adults of today face an entirely different financial future to that of their parents:

  • The cost of learning to drive exceeds £1,200 and that’s before you even own a car
  • The average first time buyer deposit is £34,515
  • The average first time buyer house price is £185k, an annual increase of 5.9% (Oct 2013)
  • 18.6% of economically active 18-24 years were unemployed between Aug – Oct 2013
  • The cost of university per year is estimated at £22,189, that’s a staggering £66,567 for a normal three-year course!

Sources: www.themoneycharity.org.uk, Office of National Statistics www.statistics.gov.uk, www.theaa.com, www.nus.org.uk

Based on the above, the future’s looking less than bright, in fact you could say mildly dull.

Managing their money well could be the best education they have.

What does a ‘good financial education’ look like?

Someone with a good financial education who starts out on their own financial two feet would:

  • Be confident in making financial decisions and not easily persuaded by very persuasive marketing
  • Be able to budget what they earn with what they spend
  • Make considered choices, not impulsive splurges
  • Be able to place a value on spending
  • Have a strong financial plan designed to achieve their unique dreams

Empowering young adults

A financial education isn’t just about the difference between a current account and credit card, it’s also about the values we place on money.

Introducing a Money Mindset as soon as an individual has their own money to manage will help them achieve the following:

  • Recognise how powerful they are in impacting their finance future
  • Appreciate the influence their decisions have on reaching their ambitions
  • Be confident with the different types of banking products available
  • Know how to plan and budget and why they are the only ones who should be looking after their money

If what you’ve read so far sounds even a little bit like you, then come and explore some more on what I can do to empower you or email me at hello@lookafteryourpennies.com

Are you worried by your spending habits?

Concerned with what you spend your money on and why? Have you ever felt like an emotional spender? In the same way that some people eat or drink to feel good, you may have a particular shopping habit which is getting out of hand.

You’re not alone, as a nation the UK has one of the highest credit card ‘habits’ in Europe accounting for a staggering 73% of all credit card spend in Europe!(source:www.uk.creditcards.com).

With 91% of the UK population holding a debit card and 61% having a credit card, the average UK consumer has 3.7 cards in their purse, how are we supposed to keep track of spending? (Source: www.theukcardsassociation.org.uk)

Well clearly we’re not, 61% of all credit card balances are being charged interest, showing we’re not paying back the money for the things that we have bought.

And just when we thought things couldn’t get worse…. pay day loans have reached the UK. These are companies who offer to lend small amounts of money (£100-£500) for short periods (less than a month), to ‘help’ make ends meet, however the astonishing truth is we are paying back on average £25 for every £100 borrowed per month….. and 2.1million consumers regularly do this.

Let’s break the cycle and choose a different way.

It’s easy to get into the habit of overspending, we have so many ways to spend and the temptation of online shopping, using very easy apps who store your card details, it hardly feels like you are spending at all.

In my hometown of Leamington Spa, there are no fewer than 47 coffee shops and 75 hairdressers, countless spa’s and retail outlets, a leisurely trip can be a battle of mind over purse.

So how do we still have fun without constantly feeling like we are battling with our minds to say ‘No’ to all of the lovely things presented to us?

My passion is putting order to personal finances and specifically how we think and feel about money. The way we treat money is a core part of who we are, it’s a behaviour and like most behaviours it can be changed so that you can achieve the things in life you most want.

Our treatment of money also involves emotion, we buy to comfort ourselves in the same way we might eat, drink or smoke. Spending can be addictive.

If any of the above feels true to you and you would like to make changes, then I’d love to hear from you at hello@lookafteryourpennies.com

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  • Why work with me?

    After 17 years working for global banks and a Degree and Masters in Business Management, I’ve learnt a thing or two about personal finances and how we manage our money.

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