“My flabbers were ghasted.”

“I'm not 'good at maths', whatever that actually means. But I am interested in this and it means something to me - so I'm going to find a way of working it out."

Social wealth doesn't appear on your net worth spreadsheet - but it is absolutely real.

Managing money when you are depressed is genuinely harder. It's not a moral failing.

Financial stability isn't all about retirement or nice houses. It's about giving ourselves the breathing space that, as humans, we might need.

Clients come to me not because they're ready, but because something shifted just enough to make reaching out feel possible. That's enough - that's actually plenty.

Shame is a self-fulfilling prophecy - you'll find evidence for it in everything that happens.

It's connection, rather than willpower, which will break this down

The future is not something I always thought I would have. I'm on the other side of it now - and that means it's possible.

Creating a garden is an act of hope for the future. And investing works the same way - you plant something today, you don't dig it up tomorrow to check, and over time, quietly, it grows.

Taking a step with your financial life is taking a step with your mental health. If the only reason you're doing it is because you're treating yourself like a pet - do that. You are worth it.

Anxiety loves vagueness - it swirls around the unknown and makes it bigger and badder than it really is. A real, specific number might feel uncomfortable, but it is always less frightening than an imagined one.

Money issues are rarely just money issues.

I felt disheartened, I knew that in the grand scheme of things it wasn't a lot of money, but I also knew how hard I'd worked and what it represented.

It's my favourite kind of financial step forward - the kind of thing you set up when you're feeling motivated, and then it's simply in place when you lose that oomph.

Good personal finance is like a web that you build to support you. Lots of different layers and connections, where one single strand should not be the be all and end all.

Once you are happening to money, instead of it happening to you, your options open up. It allows you to poke around a bit, make some decisions, begin to use money as a tool for the life you want - instead of simply limiting the life you're in now.

That forward motion leads me to do the dishes whilst I'm waiting for my kettle to boil and maybe take out the recycling so the kitchen is clear. Then I've got a spot to sit down and think about what I need to work on this week - and it reminds me that I wanted to repot my money plants. I feel brighter and I've got some momentum.

Why you know what to do with money… but still don’t do it. And it’s not because you’re lazy, stupid or gormless.

Becoming aware of our cognitive biases to make money feel safer. How seeking the emotion of awe will help us counter the Recency Illusion bias and help ground our nervous systems in the present so we can build wealth and community in a safe and stable way.

Find a partner who is solid, sensible, aware, silly, fun and centred. Look for these five financial green flags.

This isn’t just about money is it? It’s about who we are and how we move through the world - money just makes that possible. 

Looking out for financial red flags allows us to build a picture from somebody’s words and actions. Do they align? Do they fit our needs and wants? Do they ring alarm bells? How a partner deals with money is going to have a huge effect on your life - take it seriously.

When we're talking about money, we're often not talking about money. If it were that simple, we'd all have a perfect budget, fully funded emergency fund and retirement savings. What we're talking about is more about safety, self-development, generosity, politics, trauma and history.

Make sure you are on the same page when you plan your money dates.

Something about sitting down, with the intention of talking about money with my partner makes me startle and I have nothing to say. Ultimately, it was self-acceptance that made money dates with my partner possible and they’re so valuable to your financial future settle down and let’s talk.

15 financial resolutions across quick wins, long-term habits and mindset shifts.

But effective goal-setting starts with your deeper "why" - what should your financial life feel like? Peaceful? Abundant? Aligned? Once you know that, the right resolutions become obvious.

If habits don't stick, adjust your approach.

The habit isn't the goal - your deeper aim is.

Pick your top 3 and customize.