The first two are free and take about nine minutes between them. You can stop after any of the five.
Each one is easier to answer after the one before it.
Twenty statements, worked out in your browser, so nothing you tick reaches us. Your result is Avoider, Chaser, Scorekeeper or Guard, with what the pattern costs you, what it is good for, and one question to think about.
You keep: your type, in writing, and the question.
Connect your bank and the last few months sort themselves: what comes in, what is committed, what is living, and what is left. Read-only means it cannot move money, and you can disconnect whenever you like.
You keep: a categorised picture of your money.
Forty-five minutes with a coach on what the numbers show and which one thing to change first.
It also shows whether the Money Road Map suits you.
You keep: one habit to change, and the reason it is that one.
The Money Road Map sets out what you want the next twelve months to do and breaks it into ninety-day goals with a date against every action. You build it with a coach in one session.
Your money projected each year to age 100 is the Financial Plan from Buzz Financial Planning, £1,500.
You keep: the written map.
A session a month worked against your own goals.
You keep: a monthly check on your actions.
This can happen at any point. Coaching is not regulated financial advice, and nobody here will tell you which pension, fund, lender or debt solution to choose. When a decision needs that, we say so and can introduce you to Equity & General, authorised and regulated by the FCA (No. 474163). Your information travels with you so you are not asked everything twice, and your coach stays involved before, during and after. The introduction is entirely optional and there is no obligation. If you do become their client, E&G pay Buzz a commission — we tell you that before the introduction, not after.
Knowing your money type first makes looking at your spending easier.
Goals set against remembered spending rest on a guess. The bank feed gives the real figure.
The £39 session sits deliberately between the free tools and the £399 Money Road Map, so a coach can look at your situation and tell you whether the map suits you.
Seeing your money run forward to age 100 first shows what each action in the ninety-day list is for.
The monthly session checks that the actions happen: the standing order set up, the pension traced, the will written.
Two of the five steps are free, one is thirty-nine pounds, and the guides on this site are free.
Most of a first session is you talking, with a coach asking short questions.
Ask what to do with your pension and you will get an explanation of how the options generally work. Choosing between them for you is regulated advice, which we are not authorised to give.
If you share money with someone, come together. You do not have to agree with each other.
If we work with a couple, we do not keep one partner's financial secret from the other. That is agreed at the start, in writing, before anything else happens.
The spending categories flag things like takeaways, subscriptions, gambling and buy-now-pay-later. A coach uses them to start a conversation.
If you need a regulated adviser, free debt help, a solicitor or your GP, we tell you and point you to the right one.
No. The first two — the money type tool and the Financial Healthcheck — are free, take about nine minutes between them, and ask for no card at any point. Each later step only exists because the one before it made sense: the £39 session is built around what the Healthcheck found, and the Money Road Map is built around what the session uncovered. You can stop after any step and come back later, or never come back at all — nothing here auto-renews or commits you to the next stage.
You can buy it at any point, but we will ask you to run the free Healthcheck first, because the map is built from what you spend rather than what you remember spending. Connecting the bank feed is read-only, takes about two minutes, so the map uses your real numbers rather than an estimate. If you buy the map first, the confirmation page walks you straight into the Healthcheck, and your coach reads it before you sit down, so the session opens on your actual figures instead of forty minutes of fact-finding.
Then take them and go, and nobody here will think less of you for it. The money type tool, the Financial Freedom Score, the Healthcheck and every guide on this site are free. The money type tool and the Score run entirely in your browser — what you tick is never sent to us at all. The Healthcheck connects your bank read-only, which means it can see transactions and balances and has no mechanism for moving money, ever. No card is taken anywhere in the free part.
Then please do not start here. If you are behind on payments, being chased by a creditor, or frightened about money, free independent help is available today. StepChange and National Debtline both give free debt advice and can deal with creditors on your behalf; MoneyHelper is the government-backed service covering everything from benefit checks to pension guidance. None of them charge. Go there first, get the pressure off, and come back to coaching once the emergency has passed. Our money worries page has the numbers on it.
No. It is coaching. We help you see your position clearly, model your future and decide what you want to do. Nobody here will tell you which pension, fund, lender or debt solution to choose, because that is regulated advice and Buzz Accounting Ltd is not authorised to give it. Where a decision needs a regulated adviser we say so and can introduce you to Equity & General (FCA 474163) — optional, no obligation, and if you become their client they pay Buzz a commission, disclosed before the introduction rather than after. You can check any firm on the Financial Services Register at register.fca.org.uk.
The two free tools are about nine minutes between them — roughly two to connect the Healthcheck and seven for the Financial Freedom Score. The £39 session is forty-five minutes, booked at a time that suits you once the picture is ready — free if you are a Buzz Accounting client. The Money Road Map is one longer conversation plus the work behind it, and the document reaches you by email in the days afterwards rather than being typed at you live in the room. Ongoing coaching is one session a month, for as long as you keep it running — cancel any time, nothing is locked in.
Come together, if you can — most of what gets decided, a joint road map, a shared budget, who holds which account, works better discussed in the room than relayed afterwards. You do not have to agree with each other going in; disagreeing about money is one of the most common reasons couples come to us in the first place. One thing is fixed, though: if we work with a couple, we do not keep one partner's financial secret from the other, including debts, spending or an account neither of you has mentioned. That is agreed in writing at the start, before anything else happens, so neither of you is surprised by it later.
Yes. A well-run set of business accounts tells you what the company did last year and what it owes HMRC; it tells you very little about whether you are going to be alright — whether the pension gets you there, whether the household would cope if you could not work for six months, whether the money leaving the business is doing anything useful once it lands. Those are different questions. If your accountant is someone else, nothing here asks you to move: coaching sits alongside the compliance work rather than replacing it.