One-to-one financial coaching, online, on your own money: your budget, your savings and the goals on your road map. Each session reviews progress, deals with what is in the way and agrees the next actions. Coaching is not regulated financial advice.
£69 a month — cancel any timeOr pay as you go: £39 per half-hour, £69 per hour, with no minimum term.
A financial coach doesn't recommend products or give regulated advice. We work from your road map, review progress and agree what to do next. Where regulated advice is needed, that is a job for an authorised firm such as Equity & General.
Buzz Accounting Ltd is not authorised to give regulated advice and does not provide any of the above. We have an introducer agreement with Equity & General, authorised and regulated by the FCA (No. 474163) — if you become their client, E&G pay Buzz a commission. An introduction is optional and there is no obligation.
Not sure which you need? Read the guide to coaches and advisers →
Sessions are half an hour at £39 or a full hour at £69, online, one to one, and follow the same shape every time.
Every session starts with your goals and actions.
What has moved forward since the last session.
What got in the way, and why: often time, a missing piece of paperwork, or a conversation with a partner that hasn't happened yet.
One to three next steps, each with a deadline and an owner. Some of them are ours.
If a regulated conversation is needed, that is the point at which we can introduce you to Equity & General.
Afterwards your road map is updated with what was agreed, so the next session starts from a written record rather than from memory.
What the household needs from the business, personal reserves and exit goals.
Start from the household figure, then the tax, then what the business can afford.
A fixed monthly pay from a holding account, with tax kept separate.
Both of you in the session, agreeing how the household money works.
Your real spending in four numbers, and one to three changes a session.
£39 a half-hour, £69 an hour or a month, £399 for the Money Road Map.
Pay, pension and State Pension when a baby arrives.
The figures to gather and the accounts to protect when a relationship ends.
What to ask your employer, and protecting your pension if you cut your hours.
Cutting your hours to care, the help you can claim, and agreeing it with family.
Everything is priced individually.
Your bank data categorised. The optional 45-minute session with a budget review and next steps is £39, waived for Buzz Accounting clients.
Twelve months in one document: where you are, what you want the year to do, and four sets of ninety-day goals with a date against every action. Coaching sessions work against it. A projection to age 100 is the Financial Plan, £1,500.
A session a month worked against your road map, with the road map kept up to date. Cancel any time, or pay as you go at £39 per half-hour.
Monthly or pay as you go. The Money Road Map ends in ninety-day goals, and monthly sessions work through them. You can stop whenever you like. For one conversation about one thing, pay as you go.
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, you are asking us to start inside the cancellation period, which is fine: you keep the right until the session 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. 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 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. Some of the agreed actions are ours rather than yours. Afterwards your road map is updated with what was agreed, so the next session starts from a written record instead of memory.
Monthly is the standard. Fortnightly can help for the first couple of months if you are rebuilding a budget or clearing debt, then drops back to monthly. 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. Each session is booked when you want it. If you have not done the actions, keep the session and move the actions.
You are not tied in. There is no minimum term or notice period, and to stop you cancel or stop booking. 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 road map 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, including 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. You can take your road map to an FCA-authorised adviser, so you are not starting from a blank fact-find. If we introduce you to Equity & General and you become their client, E&G pay us a commission, and we tell you before the introduction. If you want product recommendations, you need an adviser rather than a coach.
You do the agreed actions. If you get stuck, message us rather than waiting four weeks to say so; many blockers need only a short answer about which form to use or what a provider is asking for. If you have done nothing, come anyway, and we work on the reason. We do not 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. Nobody at Buzz will manage your money or tell you which fund to hold. 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.
Start with the free Financial Freedom Score.