Financial coaching that keeps you moving

You have 14 days from booking to cancel for a full refund, under the Consumer Contracts Regulations 2013. If you want your session sooner than that — and most people do — you are asking us to start inside the cancellation period, which is fine: you keep the right until the session actually happens, and once it has been delivered it is used up. Cancel part-way through a piece of work and you pay for what has been done, not the whole thing. To cancel, email hello@buzzaccounting.co.uk. There is no fee for cancelling and no reason required.

On the £69 a month plan, a session every month — online, one to one — plus your road map kept up to date in writing afterwards and someone paying attention between sessions. Pay as you go it is £39 for half an hour or £69 for the hour, same session, no ongoing commitment. The session follows the same five-part shape every time: review the agenda from your road map, go through what actually moved since last time, work out what got in the way, agree one to three actions with owners and deadlines, then check whether anything has crossed into regulated advice territory. The predictable structure is the point — you turn up ready rather than hoping to be inspired. Some of the agreed actions are ours rather than yours. Afterwards the Plan is updated with what was agreed, so the next session starts from a written record instead of two people's memories.

Monthly suits most people. Fortnightly earns its place for the first couple of months if you are rebuilding a budget or clearing debt, where the gap between sessions is doing real work, and then it drops back. Quarterly is enough once things are stable and you mainly want someone to check the standing orders are still running and the pension is still being paid into. There is no schedule to sign up to — each session is booked when you want it, so a quiet three months costs you nothing and lapses nothing. The one pattern worth avoiding is pushing a session back because you have not done the actions; move the actions instead.

You are not tied in and there is nothing to cancel. Sessions are booked and paid for one at a time: no retainer, no minimum term, no notice period and no subscription running quietly in the background. Stopping means not booking another one — you do not have to tell us, although most people do. Nothing you have already bought expires either; your road map and its modelling stay in your client record whether you book again or not. If you would rather your data was deleted than held, email hello@buzzaccounting.co.uk and we will do it, subject to the retention periods set out in the privacy notice.

No, but sessions are better with one, and the first session or two without it get spent building the agenda the Plan would have handed you. That is a fair trade if you want two or three sessions on one specific thing — somebody to hold you to a debt payoff, or to sit between you and your partner while you agree a budget. If you want ongoing coaching across your whole position, buy the Money Road Map at £399 first: paying by the session to slowly assemble the same information is the worse deal. Ask us which applies to you and you will get a straight answer, including "not yet".

Yes, and some people should. Nearly everything a coach does here is available free from MoneyHelper, and there is nothing in a session you could not work out with a spreadsheet and a free evening. The useful question is whether you have. If you have been meaning to sort it out for two years, that is decent evidence about how the next two will go, and £39 buys a deadline with a person attached rather than information you already have. If you are the sort who reads a guide and acts on it that week, do that and keep your money — we would rather say so than take the booking.

Your coach will stop, tell you it is an advice question, and refer you. Coaches cannot give regulated advice and will not have an informal go at it — that includes off-the-record opinions on which pension to consolidate into, whether to take the drawdown option, or how much cover to buy. That is regulated advice, which we are not authorised to give. We will say so plainly and you can take your road map to an FCA-authorised adviser, so you are not starting from a blank fact-find. Nobody is paid a referral fee for moving you between the two. If product recommendations are what you actually want, coaching is the wrong purchase and an adviser is the right one.

You do the agreed actions, which is where the value either happens or does not — the session is a checkpoint, not the work. If you get stuck, message us rather than waiting four weeks to say so; a good share of blockers turn out to be a five-minute answer about which form to use or what a provider is actually asking for. If you have done nothing, come anyway. The session where you explain why nothing moved is usually more useful than the one where everything went to plan, because the reason is the thing to fix. What we will not do is chase you between sessions.

When you want someone to run your money for you, when you want product picks, or when you are in debt difficulty. The first two are simply not this service — nobody at Buzz will manage your money or tell you which fund to hold. The third matters more: if you are missing payments, using credit for essentials or hearing from creditors, StepChange and National Debtline give free, independent specialist help and can do things we cannot, including negotiating with creditors and arranging formal debt solutions. Go there first and come back when the pressure is off. Coaching also fails, quietly, if you will not act between sessions.