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!
Feeling overwhelmed by money? You’re not alone (and there’s a way through)
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Hi Reader , If your finances feel a bit all over the place lately, you’re so not alone. The good news? You don’t need a total money makeover to start seeing progress — just a few smart, intentional steps. This is Part 1 of a short series where I’ll guide you through the very first things I get my coaching clients to do when they’re ready to get a handle on their finances. Let’s start with something powerful:
Your net worth is simply: Everything you own (your assets) minus Everything you owe (your debts) So grab a pen and write down: What you own (bank account balances, savings, investments, your home, your car, etc.) What you owe (credit card balances, student loans, personal loans, mortgage) When you subtract the two, you’ll get your number. It’s not about judging yourself — it’s just a clear starting point, and a powerful way to track your financial progress over time. Two key areas I often focus on with clients once they know their number: Decreasing debt (especially high-interest ones like credit cards) Building up your emergency fund (more on that next!) You’ve got this. And I’ve got you. With love, P.S. Sometimes the first step is simply facing where things are at. If you want support working out your net worth, reply to this email and I’ll talk you through it — no jargon, no judgement. |
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!
Dear Reader , Last weekend, I went shopping—and wow. I’m buying the same things I always do, but the total at the till? Higher. The cost of living crisis is still very much here. And if you’ve noticed that your grocery bill is still increasing, you’re not imagining it. So, to help you stick to your food budget and stop spending more than you really need to, here are some tips to spend only what you need to. Step 1: Start with a solid meal plan Before you even write your list, take a few...
Hi Reader , Do you and your partner ever wish you could talk about money without it turning into a heated debate? Wouldn’t it be amazing to have a space where you can align your financial goals, celebrate your victories and support each other—without fear of judgement? And what if you could get honest, actionable advice when you need it most? That’s exactly why I created the Money and Marriage Facebook group. This is the community I wish my husband and I had when we started our financial...
Hi Reader , I believe true financial wealth is built in the quiet moments—the ones where we choose to do what’s important, even when it’s not urgent. Things like reviewing your finances, tracking your spending patterns, setting up sinking funds, or finally starting that emergency fund—none of it screams for your attention. But those quiet tasks? They’re the ones that make the biggest difference over time. That’s why I’m such a fan of “money dates”—just 20 minutes a month to take intentional...