You’re earning enough. So where is it all going?

That’s the question most people come to me with. They’re not broke. They’re not reckless. But somehow, every month, there’s less money than there should be — and no clear answer why.

The fix usually isn’t earning more. It’s knowing where it’s going and building a system that works without you having to think about it.

How it works

I help you set up a simple, automated money system inside Monzo or Starling Bank. On payday, your money sorts itself — bills are covered, irregular expenses like Christmas or your annual gas bill are set aside, and money goes into a pot for the things that actually matter to you.

That last bit is important. I always ask: what do you actually want money for? Travel? A safety net? Time off? We build your system around that — so the things you keep thinking you can’t afford start happening.

No spreadsheets. No tracking every coffee. No willpower required.

One woman I worked with lost a client halfway through — earning less by the end — and still paid off all her debt.