Money coaching for your spending, saving and plans
Coaching on your spending, saving and money habits. For whether your pensions, property and business add up, see Buzz Financial Planning.
Coaching on your spending, saving and money habits. For whether your pensions, property and business add up, see Buzz Financial Planning.
A £150 standing order, the day after payday, agreed with your coach.
Twenty-two questions across eight areas, scored out of 100, with the one thing to work on first. About 7 minutes.
Twenty statements and four money types: Avoider, Chaser, Scorekeeper and Guard, with what each is good for and what it costs. About 2 minutes.
Connect your bank read-only and see where your money goes: earnings, spending and saving.
Your minimum monthly costs, the headroom left over, and how many months your cash would cover.
Where you sit in the three-to-six-month range, what you hold now, and the monthly amount that closes the gap.
What the snowball and avalanche methods each cost, in pounds and in months.
Stamp duty from the current bands, the Land Registry fee, searches, survey and first-year costs.
Whether overpaying your student loan reduces what you repay.
Get my Freedom Score All free tools
The calculators and questionnaires run in your browser. Your figures are never sent to us.
Start with the free tools. Every price is shown below.
Connect your bank read-only and the last few months sort themselves. The optional 45-minute session is £39, waived for Buzz Accounting clients.
Twelve months written down: what you want the year to do, the order it happens in, and four sets of ninety-day goals with a date against every action. It includes a session to work through it with a coach. Whether the money lasts to age 100 is the Financial Plan, £1,500.
A session a month worked against your road map. Cancel any time, or pay as you go from £39.
This can happen at any point. When a decision needs a personal regulated recommendation, Equity & General (FCA 474163) give it, your fact-find travels with you, and your coach stays involved before, during and after. If you become E&G's client they pay Buzz a commission — you're told before, never after, and it's always optional.
Cashflow modelling projects your money across your life and tests the decisions you are considering.
The age your own numbers support.
Built up from what you spend.
Four days instead of five, and what that costs over twenty years.
What the proceeds would need to be, and what they would buy you.
University, a deposit, a wedding — modelled alongside your own retirement.
How long the plan holds, and what the first thing to give would be.
Your saving measured against your goals.
The three or four changes that make the biggest difference.
Coaching links your business and personal finances: what you need to take out of the business to live the life you want, what the business would have to be worth, and what selling or stepping back would mean for you.
Financial coaching for business owners covers what a session works through, and how much should I pay myself from my business has a worked example.
Specialists: Buzz Accounting for tax and accounts, Buzz Coaching for the business itself, Buzz Legal for the legal side.
Your money coach helps you understand your money, set goals, build a plan and stick to it. Coaching is not regulated financial advice, and it never includes a recommendation about a specific pension, fund, policy or provider.
A financial adviser gives you that personal regulated recommendation and implements it. For Buzz clients that is Equity & General, authorised and regulated by the FCA (No. 474163) — and your coach stays involved before, during and after, with your information travelling with you.
Not sure which you need? Read the guide to coaches and advisers →
Your account holds your figures and plan; your coach works through them with you.
Coaching is not regulated financial advice. A coach shows you where your money goes, turn vague goals into figures with dates on them, and hold you to the actions you agreed. What coaching never includes is a personal recommendation about a regulated product — no pension, fund, mortgage, protection policy or debt solution. If your question is "which pension" or "should I transfer this", that is regulated advice: we stop, say so, and can introduce you to Equity & General, who are authorised to give it. Your fact-find goes with you, so nobody charges you twice to gather the same information.
Every price is on this page. The Financial Freedom Score is free — 22 questions, about seven minutes. The Financial Healthcheck is free too; the optional 45-minute session with a money coach to work through it is £39, and we waive that for Buzz Accounting clients. The Money Road Map is £399 one-off, whether or not you are a Buzz Accounting client. The Plan includes the lifetime cashflow modelling. Ongoing coaching is £69 a month, paid monthly, with no minimum term and cancel any time. You can stop anywhere on that list.
A 45-minute session with a coach after your free Healthcheck, and your real bank data sorted before it. You connect your accounts read-only, which takes about two minutes, and several months of transactions are categorised into four numbers: committed, living, lifestyle and saving. A coach goes through that categorisation by hand before you see it, because automatic sorting always gets a few things wrong. In the session we work through those four numbers and agree one action with a date on it. You leave with your figures written down. It takes two minutes to connect, a few days to prepare and book, 45 minutes to talk.
You pay us coaching fees. If we introduce you to Equity & General and you become their client, E&G pay Buzz a commission. You are told that before the introduction, never after, and the introduction is always optional — you are free to take the same information to any adviser you choose.
Not with the debt itself, so do not wait for us. If you are missing payments, using credit to cover food or bills, or hearing from creditors, free specialist debt help is faster and better than anything we sell. StepChange and National Debtline are free, independent and specialist: they negotiate with creditors and arrange formal debt solutions, none of which we do or are permitted to advise on. Go to them first. Coaching can help afterwards, when the immediate pressure is off and the question becomes how to stop it happening again — or when you can pay everything but cannot see where the money goes.
Yes, and the connection can only ever read. You sign in on your own bank's website, so your login details never touch us, and the access granted is read-only — nobody at Buzz can move money, set up a payment or change anything in your account. Only your coach sees the transactions, so they can prepare for your session. Disconnect in one click and the transaction data goes with it, and you can also revoke it from your bank's own app. The link runs through an FCA-authorised open banking provider; coaching data is stored in Supabase, encrypted in transit and at rest, processed in the EU. We do not sell data and run no advertising trackers. Detail is in the privacy notice.
Andy Jackson and Peter Allen, who founded Buzz. Peter is Finance Director, licensed by the AAT, and has spent more than twenty years in finance — budgeting, cashflow and the practical side of the numbers. Andy is Operations Director, built Buzz Accounting, and reads every Financial Freedom Score result personally. Neither is a regulated financial adviser, so product decisions go to an authorised firm such as Equity & General instead. More about us.
A Plan fact-find often starts with two untraced pensions, a direct debit going somewhere nobody can identify and a rough guess at the mortgage rate. Working out what is missing is part of the job. If you would rather not talk to anyone yet, start with the Financial Freedom Score: it is free, entirely self-rated, and nothing is pulled from your bank, checked against a database or added to your credit file.
Twenty-two questions across eight areas of your money, about seven minutes, and the first thing to do.
Buzz Money Coach provides financial coaching and planning. Coaching is not regulated financial advice. Coaching helps you understand your money, set goals, build a plan and act on it. It never includes a personal recommendation about a regulated product.
Buzz Money Coach is a trading style of Buzz Accounting Ltd, registered in England and Wales (company number 15182358), registered office 16 Aylmer Parade, Aylmer Road, London N2 0PE. Buzz Accounting Ltd is not authorised or regulated by the Financial Conduct Authority and does not give regulated financial advice.
Regulated advice is provided by Equity & General. Equity and General Financial Services Limited, company number 03314593, is authorised and regulated by the Financial Conduct Authority, firm reference number 474163. You can check them, or any firm, on the Financial Services Register at register.fca.org.uk.
Buzz Financial Services is a separate business. Its regulated advice is given through Equity & General Financial Services Limited (FCA No. 474163).
Equity & General pay Buzz a commission if a client we introduce becomes a client of theirs. You are told this before any introduction is made, never afterwards, and every introduction is optional — you are free to take your information to any adviser you choose.
Buzz Money Coach does not recommend specific regulated products, providers, investments or funds, and does not advise on debt solutions or negotiate with creditors. If you are in debt difficulty, StepChange and National Debtline offer free, independent, specialist help and are the right first call. For free, government-backed guidance on any money topic, MoneyHelper is open to everyone.
This website is for information only and does not constitute financial advice.