If you’re looking to establish a clear, sustainable financial plan, you may be considering hiring a financial coach. Here’s what financial coaching entails, how it can benefit you, and what you can expect from working with me.

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What Is a Finance Coach?

A finance coach is a professional who helps individuals and couples take control of their finances by setting achievable financial goals and creating practical plans to reach them. Unlike financial planners who focus on wealth management and investment strategies, a finance coach works with you on the basics. As your finance coach, I help you get out of debt, build an emergency fund, and create disposable income so that you can enjoy the things you love without financial stress.

What to Expect from Financial Coaching

Personalised Coaching Sessions
In a typical 45-minute to one-hour session, we’ll work together to:

• Clarify Your Financial Goals: Whether it’s building savings or managing spending, we’ll define your priorities.
• Create an Action Plan: We’ll break down your goals into actionable steps.
• Answer Your Financial Questions: With flexible session formats, I cater each meeting to address your specific needs.

If you’ve purchased a full coaching programme, we’ll work together for at least three months, during which I’ll act as both your cheerleader and accountability partner to ensure you stay motivated to reach your goals.

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Benefits of Financial Coaching

1. Strategic Financial Planning

Just like athletes use coaches to stay on track, a financial coach helps you define and reach long-term financial goals. I provide expert advice, identify poor money habits, and encourage you to adopt strategies that drive you towards financial success.

2. Money Management Skills

Most people aren’t taught effective money management. I bring you up-to-date tools, strategies, and tips for better managing your finances in today’s fast-changing world.

3. Accountability for Spending

We often think we know where our money goes, but small, frequent purchases can add up. As your coach, I help you track spending and create a budget that suits your lifestyle while allowing you to reach your goals.

4. Objective Advice Without Pressure
Money is a personal topic, and it’s often difficult to discuss openly. I approach these conversations with empathy, acting as your ‘bossy big sister’ when needed, to provide honest feedback and an objective perspective.

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Key Areas Where a Financial Coach Can Help

• Debt Reduction: Get out of debt by creating a realistic repayment plan.
• Emergency Savings: Build a fund for unexpected expenses.
• Money Habits: Adopt healthier habits that improve your financial life.
• Spending & Saving: Manage day-to-day finances with confidence.
• Goal Setting: Define short-term and long-term financial goals.

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Finance Coach vs. Chartered Financial Planner: What’s the Difference?

Financial Services Provided

While a Chartered Financial Planner focuses on wealth-building and investments, a finance coach like myself focuses on the foundational aspects of money management, such as debt reduction, saving strategies, and budgeting.

In essence, a finance coach helps you set a solid financial foundation. Once you have those basics in place, a financial planner can then guide you towards wealth-building.

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When to Hire a Financial Coach

Hiring a financial coach is ideal if you:

• Struggle to Save: I’ll work with you to build a budget and identify opportunities to save.
• Face Persistent Debt: We’ll create a debt repayment plan tailored to your financial situation.
• Want to Break Bad Financial Habits: From emotional spending to disorganised finances, I’ll guide you in replacing bad habits with good ones.

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Final Thoughts

Hiring a finance coach can be a game-changer, helping you create strong money habits that lead to financial security and confidence. With my coaching, you’ll receive practical advice, ongoing support, and accountability to reach your financial goals and build a brighter future.

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Get Started with a Finance Coach Today!

If you’re interested in learning more, email me at hello@moneyandmarriage.net to schedule a complimentary, no-obligation 30-minute consultation. Together, we’ll work towards crushing your financial goals!