I don’t want financial freedom. I just want to stop worrying about money every month.

I don’t want financial freedom. I just want to stop worrying about money every month.

The Room Where Nobody Wanted More

“What would enough look like for you for the rest of 2026?”

Dozens of pairs of eyes upon reading this, would have looked up & right, pen tapping the corners of mouths whilst thinking about life this year thus far, and what would feel good for the next 7 months.

I’m a member of a community business group is full of brilliant minds, creative talent & genuinely honest support. A rarity. Over the course of the day, dozens answered this question in our online community.****

I shall paraphrase all of them into one:

“I want to be able to pay the bills, feel steady, know my family is healthy & happy, that my work matters, and we can enjoy our homes. Maybe a little holiday too…”

We all wrote a version of wanting peace. Not 6-figure months.

Tranquility.

Safety.

Why? Have we lost our ambitions for growing successful businesses? Is this even normal?


The Mental Health Reality

Edging towards 50 we start to want different things, of course we do! Each decade can be defined in your life as an era where you … and the latter part of each invariably moves us towards the next season.

What was interesting to me, is that a lot of my community colleagues are in their 30’s, and it seems like the universal desire is to feel calm & content. Not to shrink away, not to live in a bubble of invisibility, but to have a softness in life that creates a gentle daily energy. Finding joy in small things again, appreciating nature, art, morning coffee in the garden, home cooked food, clothes that fit well & made of natural fabrics and last year in and year out. A sensation of nostalgia sweetly reminding us of simpler times.

62% of UK consumers say the economy is worsening. 70% are experiencing financial stress weekly. The ONS savings ratio is at near-historic highs, not because people have more, but because they’re gripping tighter. The data that shows this isn’t a personal failure, it’s a collective, rational response to a genuinely difficult environment.*

Research from Confused.com surveying UK adults going into 2026 found that financial stability not wealth, not financial freedom is the number one goal, cited by 58% of UK adults. It ranked above travel, homeownership and every other aspiration on the list. RSM UK **

Hope and Shame: The Two Invisible Forces

According to the Cigna Healthcare International Health Study 2025, 70% of UK adults report experiencing stress primarily due to financial strain on a weekly basis.”

https://www.itij.com/latest/news/uk-cost-living-crisis-sparks-widespread-stress-and-health-concerns-study-finds

University of Southampton research found something striking about what sits between financial hardship and mental health outcomes. Hope mediated the relationship between subjective financial hardship and depression, stress and wellbeing.

Shame mediated the relationship between financial hardship and anxiety. Neither operated on the same symptoms. Hope and shame were doing different, distinct psychological work. nih This is profound: people struggling with money aren’t just worried, half of them are ashamed.

How do you feel?

I’ve spoken with clients who feel this way, who say they made in hindsight, risky financial decisions 10+ years ago, not really considering the impact if the economy changed. And now, they’re in trouble. Upsizing their homes, very normal as your family expands, but when you’ve got a £1000 a month mortgage that has now doubled and then some over the course of a few fixed rate cycles, it can make everything more than difficult.

New cars every 4 years as never ending expenses. Paying for holidays & Christmas on credit cards. Habits that feel like normal life can be emotionally tough to change.

Gone are the days of expecting your kids to share a room. No one imagined 25 years ago that each child would have TV’s and computers, £1000 iPhones & endless snacks on repeat. Both parents exhausted working full time. Our expectations of a nice lifestyle has overtaken the ability to fund it. And it stings. Especially if you’ve been used to it and now, things have to change.

One in three people said worries about being able to afford to pay bills made them anxious in the last two weeks. Mental Health Foundation

I sincerely hope this is not where you’re at? There is a wonderful array of support available. Step Change is one and Mind is another. You’re not alone, ever.


What You Actually Want (And Why That’s Enough)

Bills paid. Food on the table. A small family holiday. Sleep. Next few months covered. Things the kids need. Slower pace.

The psychology of sufficiency is not a lowered bar, it’s actually where genuine wellbeing lives. ***

Can we put a price on this?

Having one month’s income in savings reduces the odds of falling behind on bills by nearly 75%. Office for National Statistics

Enoughness as a radical, intelligent choice is worthy of a good old fashioned debate doncha think? Get your perspectives in the comments my friend.

And if you need something lighthearted to watch, how about The Good Life? A classic british comedy based on the courage to change from the suburban rat race to becoming self sufficient. The observation between Margot & Jerry, Tom & Barbara is wonderful, comfort TV even if you’d never consider in a million years having a smallholding in your garden or wear old jumpers with holes in.

Ironically, we probably know more than one eccentric very wealthy person who wears clothes like this, patches on patches.


The One Thing That Changes Everything

Control. Having agency over your own finances & choices. Not wealth, not financial freedom, the felt sense of knowing where you stand. Perceived control over your household finances is the single biggest predictor of financial wellbeing. Having a plan isn’t just a spreadsheet. It’s a nervous system intervention designed to work with your spending psychology day in and day out.

It’s having your expectations matching your reality. It’s still having dreams & aspirations, but it’s also learning to love what you have with a grateful heart and not feel that desperate pull for more. I learned & try to practice the approach that, there are thousands of gorgeous things to buy. Endless home styling & clothing inspiration on Pinterest. I can look, I can appreciate, I can get ideas but I don’t need to buy it.

When the shit hits the fan, yours and your family’s health is all that matters. When you’ve been on the brink of losing a loved one, you find an energetic tunnel vision like you’ve never experienced. You’d give up everything materially to make them better. Steve Jobs famously said “Death is life’s biggest change agent” (slightly paraphrased)

In fact, so powerful is this speech, I’m going to link it here for you to watch:

What now? Here’s How I Can Help

As your fairy godmother of household finances we can get all the practical elements of your day to day, quarter to quarter spending running like clockwork. We can figure out ways for you to be more economical, buying less but better and have a simple system that you will use to keep your control even in the face of adversity.

It doesn’t have to be a tight grip so you can’t breathe. In fact, I’d say it shouldn’t be. But your own flexible, budgeting system that ebbs & flows with your life is a skill you will never not use again. (Double negative, but it works)

Creating comfort, easy, steadiness will help you sleep at night. It won’t necessarily mean huge shifts in your lifestyle or going without, but perhaps there will be need for compromising.

I’ve a longer piece on this topic that you might like to read on Substack:

I’ll finish on this note. Building wealth, investing for your retirement will feel inspiring not impossible when you’re feeling steady. Trust me when I say that, as you skid into your 50’s you’ll want to feel like you’re in good shape for the next decade and beyond. You might even want to buy a house in France to semi retire to…

I know someone that can help you out with that – more on that another time.

So, do tell me in the comments, what is enough for you for the rest of the year?

Until next time

Lucy x

You can get my fortnightly emails with links to the latest blog, free eGuides & more here:

https://budgetingandplanning.co.uk/free-budgeting-resources/

**GfK (now part of NielsenIQ) has been running the UK Consumer Confidence Barometer every single month since 1974, which makes it one of the most reliable long-term measures of how British households are actually feeling. The score runs between -100 and +100. We haven’t been in positive territory for a decade.

Source: GfK Consumer Confidence Barometer powered by NIM.

The official monthly releases live at the NielsenIQ site — the April 2026 report is here:

https://nielseniq.com/global/en/news-center

The House of Commons Library also tracks it cleanly and is a highly credible source

https://commonslibrary.parliament.uk/research-briefings/sn02817/

**Source: Confused.com, January 2026 Link: https://www.confused.com/press/releases/2026/3-in-5-brits-put-financial-security-at-the-top-of-their-2026-goals

*** Source: Confused.com Life Insurance, January 2026 The precise stat: 58% of UK adults prioritise financial stability as their number one goal — above travelling abroad (54%) and owning a home (35%). Link: https://www.confused.com/press/releases/2026/3-in-5-brits-put-financial-security-at-the-top-of-their-2026-goals RSM UK

****

Feeling naked, vulnerable with no safety net?

Feeling naked, vulnerable with no safety net?

Financial clarity · Single parent · Money mindset

You’re not bad with money. You just can’t see it clearly yet.

You earn a decent income. You already do some of the right things. And yet every time you sit down to think about your finances, it feels like trying to do a jigsaw in the dark.

Maybe life changed on you recently. A new child. A move. A different job. A relationship that ended. Whatever it was, the financial system you had, the one that just about worked, no longer fits. And the gap between what you know you should be doing and what you’re actually doing has started to feel like a silent accusation.

You know the things people say: Build an emergency fund. Overpay the mortgage. Max out your ISA. Start investing. Pay off the debt first, no, wait, save first, no, actually, do both.

And you stand there in the middle of all of it, frozen. Not because you’re irresponsible or because you don’t care. But because when everything feels equally urgent, nothing gets started at all.

“I don’t know which is the best foot forward.”

That’s not a quote from someone in crisis. That’s a quote from someone who recently became a single mum, went back to work, and found herself standing in front of a wall of financial to-dos with no idea which brick to pull first. She had savings pots set up in her bank account. She had a pension. She had a work share save scheme she’d honestly forgotten about. Her soon to be ex husband was contributing albeit more ad hoc than consistently which made her complex life feel harder than it should. By and large, she was doing okay.

But she felt naked. Vulnerable. Like one broken boiler away from a genuine hardship problem.

woman on the phone smiling with text overlay You Earn Well But Money Still Feels Messy

What actually changed things?

It wasn’t another new savings account, nor a brilliant investment tip. What changed things was seeing the whole year, not the month, the whole year, laid out in front of her. Suddenly she could see which months were lean and which were abundant. She could see when the music lesson fees landed, when the school term costs hit, when the quarterly bonus arrived. She could see the shape of her financial life, instead of just reacting to it one month at a time.

Living month to month doesn’t just make you poorer. It makes you feel poorer than you are. Every lean month feels like failure. Every unexpected cost feels like catastrophe. When you can see twelve months ahead, a £500 roof repair in October is something you planned for in June, not an emergency that wipes out the holiday fund.

“I hadn’t thought about doing it for the whole year. But actually, when you said it makes you feel like you live hand-to-mouth, you’re so right, it does.”

It’s a control thing, an organisation thing, a visibility thing all wrapped up in a new routine that you enjoy not endure.

Here’s what I’ve found, again and again, with the women I work with: the problem is almost never the money. It’s the visibility. When you can see what’s coming in, what’s going out, and what’s left, really see it, mapped out, not just guessed at, the anxiety starts to dissolve. Not because everything is suddenly perfect, but because you’re no longer bracing for a hit you can’t see coming.

When we worked through it together, she remembered mid-conversation that she already had £250 a month going into a company share save scheme. She’d genuinely forgotten. It was invisible, gone before she could see it. That’s not negligence. That’s what happens when your financial picture has no frame.

By the end of the session, she had a starting point:

  1. Refresh the budget to include her new season of life.
  2. Map out the year to include some lovely adventures with her son they could both look forward to.
  3. Book a weekend away with her friends.
  4. Set a small automatic savings amount for her son’s future driving lessons and forget about it.
  5. Move the credit card to 0%. Use her upcoming bonus intentionally to pay off a big chunk and put the rest into a Resilience Savings account for the just in case the bastard boiler goes pop.
  6. Update her will
  7. Double check her credit file especially with the separation
  8. Register for single parent council tax
  9. Take ex off car insurance & reduce the cost a bit
  10. Change utilities into her name only (I also helped with that and reduced the costings too – DM me if you’re keen)

One more thing

She asked, almost in passing, whether she’d ever be in a position where she could say okay, now I’m good. Whether she’d ever reach the point where the foundations were solid enough to start thinking about the future.

The answer is yes. But it doesn’t arrive all at once, and it doesn’t require perfection to begin. It starts with knowing what you’ve got, making one clear decision, and taking one step at a time. When you’re ready, and feeling steady, get your financial advisor appointment booked in and take that next level of expert support.

If you’re reading this and recognising yourself, the feeling of doing enough but not quite knowing if it’s the right enough, that’s exactly the conversation I exist to have. Why not pick from these next steps:

  1. See how The Foundation Session would be ideal for you: https://budgetingandplanning.co.uk/product/personal-budgeting-mentoring-session/
  2. Taste test with this free Reset Guide: https://budgetingandplanning.co.uk/free-budgeting-resources/
  3. Email me your question: info@budgetingandplanning.co.uk

Found this useful? Please do share it with your friend or coworker who you know will love it.

Tatty bye for now

Lucy x

ps. if video is your thing, I’ve restarted my youtube channel. No I’m not the best presenter in the world but I’ll improve. I hope!

From Discombobulated, to Moving Forwards.

From Discombobulated, to Moving Forwards.

The 3-Step Financial Reset for my overthinking friends, who feel stuck knowing which way to turn with their money tasks.

Why This Matters (A Quick Story)

Yesterday, I had to complete my French visa renewal process.

It was the final day.
It’s not my first time doing it.
And yet…

I found myself cleaning out kitchen cupboards instead.

Classic avoidance. Normally I end up in floods of frustrated tears and give myself a migraine, so it’s no wonder really that I was avoiding it!

Eventually, I gave myself a proper talking to, sat down, opened my checklist, and just worked through it step by step.

No overthinking. No spiralling. I gave myself all the time I needed, 4 cups of tea and my reward was a glass of Saint Emilion 🍷

Simplifying into snackable tasks. Do this → do this → do this.

And it worked.

That’s exactly what we’re going to create for your finances. If you’d rather watch the video here’s the link and please do download the guide so that you can follow along:

https://budgetingandplanning.co.uk/free-budgeting-resources/

Firstly the 3 areas to get your head in the game – the most important part of the unsticking process.

🌱 Step 1. Decide Your Financial Priorities (and quiet the mental noise)

If you’re anything like me, your brain might sound a bit like this:

  • “I should probably be investing…”
  • “I haven’t sorted my pension…”
  • “Do I need a will?”
  • “What did I even spend last week?”

It’s constant. And exhausting. So the first step is to get everything out of your head and into something structured.

Try this: The 4-Quadrant Reset

Divide a page into four sections: or use this free Reset Guide: https://budgetingandplanning.co.uk/free-budgeting-resources/

1. Needs Attention Now
Things that genuinely need action this week.

2. Planning Ahead
Important, but not urgent (next few months).

3. Simplify
Things that feel complicated but could be broken down.

4. Release
Things that can wait, be delegated, or removed entirely.

This alone can reduce a huge amount of mental pressure.

🌿 Step 2. Layer Your Finances

One of the biggest challenges with money is this; there are so many things you could be doing. And you feel guilty that you’ve not done any of them.

Investing. Saving. Budgeting. Insurance. Pensions. Debt. Mortgage. Car Finance…

It’s noisy. So instead of trying to do everything, or doing nothing because it’s all too much, how about this:

👉 Create a central hub.

Your core focus should be:

Your everyday budgeting and planning. This is your foundation. When this is clear:

• everything else feels less urgent
• decisions become easier
• the noise quietens

Think of everything else like balloons. You bring one down, deal with it, then let it float away again. You don’t need to hold everything at once.

Layer this into the clarity process so it’s completely personalised to you. Can you feel that fog starting to lift?

🌼 A Gentle Reframe: Values Over Goals

Traditional financial advice often focuses on goals.

But goals can feel rigid. Instead, try asking:

👉 What actually matters to me?

For example:

  • Do I want to nourish my home & garden this year?
  • Do I want to protect my family from life’s What If’s better?
  • If we teamed up to throw all we can at our debt this year, how much lighter will we feel by next Spring?
  • We need to nurture our relationship so we will have monthly money breakfast dates ☕️ and make lovely lifestyle plans together.

That feels very different to “Sort out life insurance.” Same action. Very different emotional energy.

🌱 Step 3. Create a Simple Financial Routine

This is where everything starts to stick. Because without structure your new routine will quickly fade.

Choose your space

For me, it’s the kitchen table:

• laptop
• paperwork
• a coffee
• maybe a candle and probably some lovely music in the background.

Nothing fancy just a space where I can think clearly, have enough room for any paperwork, diary and large calendar and so it feels like I’m actually taking care of things. It’s not squished into other duties, I’m not doing 3 things at once, it’s peaceful and it feels good.

Keep it simple

The biggest barrier for overthinkers isn’t ability.

It’s faffing. You know it is!!!!

Over-preparing. Over-tweaking. Over-delaying. Or being so unprepared & disorganised that just the thought of getting your things together is all too much before you’ve even started.

So instead:

👉 Set a regular rhythm
Weekly, monthly, or seasonal

👉 Gather what you need. Think like a chef on tv who has all the ingredients in gorgeous dishes just waiting to be used.
👉 Work through your process. When it’s written, you don’t need to think. Each task has a checkbox ✅

Done.

If you’ve got the guide downloaded you can move to using that, or see a short version below.

🌿 The Detailed Get It Done Process Now You’re Unstuck With What To Do & When

Here’s a simple structure you can follow for a fresh start. This is brilliantly repeatable each month. Add your own priorities.

1. Gather Your Numbers

Bring together:

• bank accounts
• credit cards
• savings

The first time may feel messy, that’s normal. You’re not fixing everything. You’re just seeing clearly.

2. Take an Honest Spending Snapshot

Look at:

• where your money is actually going
• not where you think it’s going

You might feel:

• pleased
• neutral
• slightly horrified

All completely normal. This is information not judgement. For goodness sake do NOT go down the rabbit hole of guilt, which is what you’ve DONE. And never go down to shame, which is how you identify your relationship with money. What’s done is done, you are becoming the kind of person who has their financial resources working well.

3. Capture Forgotten Expenses

Those “surprise” costs? They’re often just forgotten ones.

Add things into your calendar like:

• annual bills; car servicing, dentists.
• seasonal spending so your garden gets as much love as Christmas, kids after school clubs & new clothes.
• renewals so you’re not getting stung on the rollover policies.

This reduces future stress massively.

4. Reset Your Relationship with Credit

Key Q to find the answer to:

• How am I using credit?
• Is it intentional?
• Is it helping or just happening?

Again, no judgement, just awareness. How do you feel about this? What would you like to be different?

Final Thought

If your finances feel disorganised or stressful…

It’s rarely because you’re bad with money. This isn’t about you as a person, this is about your systems, your process, your habits & routines. These can all be changed. You’re a lovely person, trying your best.

🌿 Your Next Step

If you’d like to follow this process with the practical get it done elements, here’s the link again to download my free Money Reset Guide and work through it at your own pace.

And I’d love to know:

👉 What would you add to your reset?
👉 What feels most overwhelming right now?

With love from

Lucy x

ps. If you are an employer, or HR Manager and would love financial wellbeing education for your team, I freelance with Finwell Training LTD and we would be delighted to welcome you along for a complimentary live masterclass so that you can experience it.

https://www.finwell.training/budgetingandplanning

When your financial goals don’t inspire action, try this

When your financial goals don’t inspire action, try this

Traditional Goal Setting

We’ve all use SMART goals. Specific, Measurable, Achievable, Relevant and Time specific.

Do they do it for you? I suspect not if you’re reading this.

When the thought is there, when you do want and need to achieve something but there’s no emotional resonance, guess how much effort you put in?

And guess how much pressure it adds, or even guilt?

Layering on top of a perfectly logical goal with a personal value, is more likely to propel you forward. Don’t ask me about stats I haven’t looked it up. But I know this to be true for the hundreds of my team members with whom I worked on their personal improvement & competency coaching plans. Ahhhh, takes me back to the good old corporate days…

“As Within”

Your compass, your intuition is imperative.

In my last Substack publication and video I explored the value of nurturing your money and your mind. Those new, tiny shoots of hope and learning, doing and thinking are beautiful things. If we are hungry for knowledge and apply what we learn, does our outer world transform?

Maybe you’d like to explore the Hermetic Principle of “As within, so without” further?

Love and hate are two ways of experiencing the same thing, a relationship toward something.

If you hate your relationship with money, feel fear or shame towards it, this matters. Literally, matter is energy.

This is the foundation of alchemy, or the ability to “transmute” your experiences at will. How you create your inner world, as within, is how you experience the world around you, as without.

You can read a little more on this on mind body green where I got some of the quote above and added my own flavour to it.


For now, let’s take a look at three more values that sit beautifully with nurturing.

And for each, I shall use the financial goal of “Getting out of debt by the end of the year” as examples of how to layer in heart lead values to breathe life into your actions.

  1. Nourishing
  2. Respecting
  3. Protecting

🥑 Nourish

Nourish is about looking for and accepting support, gaining strength, taking in what you need to grow, opening your capacity and allowing breathing room. It’s about how you continue to look after yourself and feed your learning mind long after the initial excitement of doing so has worn off.

Through the lens of clearing your debt, now your repayments aren’t about getting rid of it like it’s an albatross around your neck. It’s about feeding your financial wellbeing.

Goal Reframe Example

“I am clearing my debt to free up income that nourishes my choices, lifestyle, and peace of mind.”

Your focus shifts from sacrifice → gain
Your brain associates repayment with expansion
Your future becomes attractive, not abstract

👑 Respect

Respect framing is incredibly powerful for debt because shame and self-judgment are usually lurking in the background. Boundaries become your superpower.

Not all debt is bad. We don’t always have the luxury of a £10,000 resilience fund so when you need things, you need a way of getting the money. Debt as long as it’s manageable, and as cheap as possible, with a plan to pay it off as quickly as you can, is perfectly alright.

Just remember, the planning element of budgeting & planning. If you’re taking out a loan just now, be mindful of the price rises upcoming in the next 12 months. Rent, mortgage, bills etc so that you don’t overburden yourself. Need help with this? That’s my superpower!

Back to respect. Here, your repayments become an act of self-trust and integrity.

Goal Reframe Example

“I manage and reduce my debt as an act of self-respect and financial leadership.”

A respectful approach removes moral drama
It builds upon your identity of “I am someone who handles things”
It creates dignity instead of guilt. Is this something that will drive you now and in your future decisions?

🛡 Protect

Protect energy speaks to resilience and future security.

Repayment becomes defence rather than deprivation.

Goal Reframe Example

“I am reducing my debt to protect my future income, options, and emotional wellbeing.”

Protection as your value activates safety & control psychology
It feels strong, not apologetic.
It turns your repayments into empowerment.

Don’t these feel so much better?

How likely is it you’ll accomplish what you want, with a values led mindset coupled with a logical end goal?

Becoming the leading lady of your own life might take a bit of work. Inner work. Self belief particularly if you’re feeling less than. And Gumption – yep I’m going all out with The Holiday references today!

If your inner world feels in chaos

So will your outer world and your daily choices reflect this too. Change starts from within. You’re creating your own alchemy.

Whilst I’m happily married now, with a husband who is very similar in financial values to mine, (a deal breaker for me if he wasn’t) I was single for my whole adult life. Aside a few short lived relationships. I’m talking about over 20 years. Getting good with money wasn’t an option. Resilience became my life lesson I had to learn.

When my divorced, similarly overworked friend and I were giggling after a few glasses one evening in her kitchen, we both secretly confessed that we would love for someone to take care of us. We were knackered. Exhausted by work and life. It’s tiring doing everything alone. Lonely. We both slurred that we’d love to have a wealthy man to have that lifestyle. Country homes and gardens not private jets you understand!

Then we both realised, that what we did have, with our teeny tiny country cottages, nipping around spontaneously with a bottle wearing pajamas, was liberation. You can’t put a price on that, especially when you hear the realities of other women’s stories, as their lives weren’t always as they seemed on the outside …


What now?

I’m a good listener. I will understand. Doing this stuff alone, often needs a big old untangle first.

If you want one to one support pop over to the mentoring page. I’ve got one hour Foundation Sessions and a set of 3 sessions you can take over the course of a couple of months called The Fairy Godmother Experience.

If you just enjoyed this perspective and are looking forward to reading more, please pop a little note in the comments 🤍

Feel free to read the library of other articles I’ve written too both longer form on Substack where I go deeper into my musings of money psychology, and here in the Blogs which are a flavour of those in a more succinct way.

My fortnightly emails give you a lovely round up where I aim to have one key monthly topic, broken into two clear themes. The first 2 weeks of the month is one theme and the latter 2 is the other.

Thank you for reading

Lucy x

How to get your finances unstuck

How to get your finances unstuck

“I don’t want to keep feeling like this” she said.

“I just don’t know which way is up, I can’t even tell you what’s wrong because it’s all a mess. It’s all wrong”

Your Mindset Support

Charles Darwin is often paraphrased as saying “the strongest survive.”
He didn’t.

His real insight was far more compassionate and useful.

Darwin observed that:

  • living things change over time
  • they respond to their environment
  • and those that adapt best to what’s actually happening around them are the ones that survive and carry on

It’s not about being perfect.
It’s not even about being clever (thank god for that).

It’s about being fit for the conditions you’re in. My cat, Fifi Minky Moo Le Stink has this down… if she fits, she sits.

Now… slide that gently into personal finance.

Most people are told money success comes from:

  • being “good with numbers”
  • having more discipline
  • finding the perfect budgeting method or template
  • having to earn a six figure income
  • taking risks that scare you with a diverse investment portfolio

But Darwin would quietly clear his throat and say: “No no… it’s about adaptation.”

Adapting to life’s unpredictability

Life moves in unpredictable ways, despite the best of planning & intentions. It’s full of surprises, great ones, frustrating ones, challenging & sad ones. When you’re feeling stuck, financially it often boils down to the fact that your household ins and outs haven’t adapted to your changed environment. And certainly, not your changed emotions and priorities.

My invitation to you, is to consider letting your money into your heart so that you can better match it to your head. This will point you in the right direction. Let’s start gently here and think about how to reframe it:

  • Nurture → relief, safety, “I can breathe again”
  • Nourish → support, energy, “this actually feeds my life”
  • Respect → boundaries, self-trust, “I stop leaking money and energy”
  • Protect → resilience, future-proofing, “I won’t fall apart when life changes”

This isn’t always a one and done in an hour kind of situation. It can be, but it depends on your current emotional regulation and perspective.

Your beliefs might not align with nurturing your money. If you don’t believe in your ability, or that creating a feeling of love towards your money is a good thing, then you won’t behave in this way. You won’t do the things that proactively guide you to feeling safe, like you can breathe and sleep well.

There are so many wonderful podcasts that help you to explore this deep work on your emotions. My recommendation would be to start with Catherine Morgan.

I love listening to podcasts, especially alongside what I’m doing as the perfect compliment and knowledge booster. But oftentimes, we need someone to just help us. Generic guidance and advice is superb as a starting point but there does come a time where googling it just isn’t cutting it anymore.

I’ve written a longer piece on the subject of nurturing & nourishing money, you can read it here:

Practical Guidance For You

Here is where I suggest you start.

Get a lovely new notebook. I cannot help myself, I adore stationery don’t you? But any old notebook will do if it means you’ll procrastinate even further! Are you a journellor? Are you any good at reflecting? Because that’s where we’re going.

  1. Set a timer for 20 minutes.
  2. Write down your biggest financial question eg. “What if I became the kind of person, who had all their finances neatly lined up and working for me, so that I was in control, organised and not stressed out by it?”
  3. Now write a detailed version of you, 6 months from now, who is exactly this kind of person. In the present tense, describe your day. What are you wearing, what’s the weather like, where are you? What conversations are happening? What are you doing? How do you feel?

    eg.
    It’s 7am and I’ve woken up to a beautiful day, I can hear the birds singing through the open window as I dress in my white shorts and stripe shirt. Over coffee, I open my laptop to an email from the bank so I log in. I take a look at my accounts and move some money into my savings. My balance is looking really strong in all three of my regular accounts, so I double check pending payments and my spreadsheet to get a view.

  4. When that timer goes off, you stop writing. Read through this day in the life. Go about your day.
  5. Read it again the next day and the next day. Keep reading it each day for a week. Longer if you’d like.
  6. What ideas pop up for you, of things that you can do differently? Write those down too. Let them marinade. Keep adding to this list and keep reading about this day, what else comes up for you?
  7. What support, guidance would be perfect for you? Podcasts, eGuides, one to one mentoring?

Neuroscience

This type of exercise is scientifically backed up. The short story is, it activates your prefrontal cortex which is the planning and problem solving centre of your brain. It also primes your reticular activating system, so that your brain looks for ways to show you what you want to see. Like deciding you’d love a Fiat 500 and then you see them EVERYWHERE!

Of course you might want to do a giant vent first if you’re feeling particularly fired up! Get it all out onto paper. Out of your busy brain. If it’s a serious, cuss laden vent, it’ll do you the power of good, read it aloud, shout and cry if you want to. Then rip it up, throw it away. You are going to learn new skills, evolve your beliefs and move forwards.

I did this exercise three days ago. Out of nowhere I suddenly thought that I could work with financial advisors, mortgage brokers to support their clients who needed to get their foundations in a great place.

I’m not kidding you, within 48 hours, a new Linkedin connection commented on my post and sent me a voice note to have a conversation about supporting each others clients.

T H I S – S T U F F – W O R K S

Which is why I built it into both my mentoring offers.

The Foundation Session

Is a one hour set up, ideal if you’ve got stuff in place already but could use a sounding board, reassurance and a fresh new budgeting plan.

The Fairy Godmother Experience

Is a 3 session container where you’re guided more intensely through your past, present and future you, blending your mindset with a proper practical set up. I’m holding onto you as you learn to cycle, then you can wobble a bit, I’ll come back to steady you and then let go when you’re ready.

If you’re ready to explore these options my wand will carry you there… 🪄

The Foundation Session

£85.00

THE FOUNDATION SESSION

You are in the right place.

Once your booking is confirmed you will receive a welcome email with everything you need to prepare for our session together, including your 60 Minute Household Money Reset workbook to complete beforehand.

One hour. One clear plan. One giant exhale.

Questions before you book? Drop me a line at info@budgetingandplanning.co.uk or book a free Gentle Hello first.

Lucy x


You can email me: info@budgetingandplanning.co.uk with your questions.

You can and you will get unstuck. Self love includes your health & your wealth and you absolutely do deserve it.

Lucy x

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