Struggling with Your Finances? Let’s Turn Things Around


Dear Reader ,

I hope that your week is going well!

Does it ever feel like your money disappears the moment it hits your account? You’re not alone—so many people are struggling to stay on top of their personal finances. The ease of online shopping, rising costs, and the pressure to keep up with others make it hard to stay in control. But here’s the good news: you can take control of your money, and I’m here to help you get started!

As a financial coach, I’ve worked with people who feel overwhelmed by debt and financial stress. It’s all too easy to lose sight of what’s important while trying to keep up with the pressures of everyday life. But by making a few strategic changes, you can find peace of mind, focus on what matters most, and start working towards your financial goals.

Ready to Get Started? Follow These Three Simple Steps:

  1. Calculate Your Net Worth
    The first step is understanding your financial situation. Calculate your net worth by subtracting your liabilities (debts) from your assets (cash, property, investments, etc.). Knowing this number will help you track your financial progress over time.
  2. Create an Intentional Spending Plan
    Forget the word ‘budget’—I like to call it an intentional spending plan. This is about telling your money where to go, rather than wondering where it went. By prioritising what’s most important to you, you’ll start to see the path towards your goals much more clearly.
  3. Set Clear Money Goals
    It’s time to set specific, actionable goals! Whether it’s paying off debt, building an emergency fund, or saving for something special, setting clear goals will keep you motivated.

What If You’re Married and Your Partner Isn’t On Board?

Managing finances as a couple can be a challenge—trust me, I’ve been there! That’s why I created Money and Marriage, my financial coaching business designed to help couples get on the same page financially. Whether it’s about overcoming differences or simply finding a starting point, we’ll work together to create a plan that fits your relationship and financial situation.

Want more in-depth tips? Click here to read my latest blog post! It’s full of advice on how to take control of your finances, shift your mindset, and create a financial future you’ll love.

Reader , if you’re ready to take control of your finances, I’m here to help! Book a free call with me today, and let’s start building the financial future you deserve.

Talk soon,

P.S I personally read and answer your emails.

P.P.S. When you're ready, here's how I can help you:

  1. Read my blogs on personal finance.
  2. Get my personal 1:1 help with your Intentional Spending Plan: Get your dream life!
  3. Need a cheerleader on your team? Let me help you with 1:1 personal support, to help you reach your money goals over three months, check out my Financial Success Coaching Programme.
  4. If you're married, check out my signature framework: Discover Financial Success As A Married Couple
  5. If you'd like to find out more about how I can help you personally, hit reply and let's schedule a 30 minute, complimentary call.

Money and Marriage

Hi, my name is Karen and I am a Finance Coach and blogger. I specialise in helping couples talk about money - without arguing. Subscribe to my weekly newsletter for practical tips on how you can make your money go further so that you can live your best life!

Read more from Money and Marriage
black and brown eyeglasses on book on brown wooden table

Hi Reader , Are you finding it hard to stay motivated while paying off debt? Don’t worry—you’re not alone! Many people experience ups and downs on their debt-free journey. Having been through it myself, I understand just how challenging it can feel, especially during the long, slow middle part. In my latest blog, I share our personal experience and the strategies that helped us stay motivated while paying off debt. Whether you're just starting out or have been on your debt-free journey for a...

man in white dress shirt sitting beside woman in black long sleeve shirt

Hello Reader, I hope that your week is going well! Have you ever set a financial goal, only to find that you forget about it in a few weeks? Or perhaps you’ve never thought about setting financial goals and don’t know where to start? For many years, I didn't set any money goals, but now, I know it's one of the smartest things that I can do for my personal finances! I know that goal-setting can feel overwhelming, but with the right approach, it becomes an empowering and motivating process that...

A man and a woman sitting on a park bench

Hi Reader , I hope you’re having a great week! As we all know, planning a wedding is an exciting time full of love and anticipation. However, amidst all the planning, one of the most important things couples often overlook is discussing money. We all want to build a future full of love and joy, and guess what? Being on the same page about finances plays a huge role in that! Whether you’re newly engaged, about to get married, or know someone who is, I’ve put together 10 essential money...