Nobody wakes up wanting a financial plan. They wake up wondering where it all goes, or whether they are going to be alright. So that is how this is built — around the questions, not around our products.
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 once you have answered the one before it. That is the only reason they are in this order — not because you are meant to march through all five. Most people do not, and that is fine.
Before the numbers, the habit. Twenty statements, and it runs entirely in your browser — nothing you tick reaches us. You come out as an Avoider, a Chaser, a Scorekeeper or a Guard, with what the pattern costs you, what it is quietly good for, and one question to sit with.
None of the four is the bad one. The Guard — least debt, most savings — is the protective pattern, and it still has a bill.
You keep: your type, in writing, and the question.
Almost everyone can name their salary to the pound and has no real idea what leaves the account. That is not carelessness — it is forty-odd transactions a week across cards, apps and direct debits, and nobody holds that in their head.
Connect your bank and the last few months sort themselves: what comes in, what is committed, what is living, and what is genuinely left. Read-only means it cannot move money, and you can disconnect whenever you like.
You keep: one honest picture of your money, and usually one surprise.
Forty-five minutes with a coach. Not a read-through of the numbers — you can do that yourself — but a proper conversation about what they are telling you and which single thing is worth changing first.
This step sits here deliberately. It is the cheap way to find out whether the Plan is worth it for you, and sometimes the honest answer is that it is not.
You keep: one habit worth changing, and the reason it is that one.
The question nobody says out loud, and the one the Plan exists to answer. Six parts in a deliberate order: where you are, what you are aiming at, whether it works, what breaks it, what that means, and only then your next ninety days.
“Whether it works” means your money run forward every year to a hundred with UK tax applied properly — then run two thousand more times with the good years and bad years shuffled, because a plan that only survives a good run is not a plan.
The long view comes before the action list on purpose, so the ninety days read as consequences rather than a to-do list somebody handed you.
You keep: the document, with every assumption behind it printed so you can argue with it.
A plan you read once is a document. A plan somebody goes through with you every month is a different thing entirely — which is exactly why the ninety-day list is the last section of the Plan rather than the first.
A session a month worked against your own goals, and someone who notices when you go quiet. This is the step people skip, and it is the one that decides whether any of the rest mattered.
You keep: the thing most people are actually missing, which is not information.
This is not a sixth question — it is a moment that can happen at any point on the list. Coaching is not regulated financial advice, and nobody here will tell you which pension, fund, lender or debt solution to choose. When a decision genuinely needs that, we say so plainly 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.
The order is doing real work. Put these steps in a different sequence and each one gets weaker, which is worth explaining rather than asking you to take on trust.
If you know you are an Avoider before you look at your spending, looking at your spending is survivable. The other way round, plenty of people open the picture, feel found out, and close it again. That is not a character flaw, it is a predictable reaction, and putting the two-minute tool first largely prevents it.
Goals set against remembered spending are wishes. We have all under-estimated what we spend, usually by a wide margin, and a plan built on that number quietly fails eighteen months later for reasons nobody can identify. The bank feed removes the guessing entirely.
The £39 session sits deliberately between the free tools and the £399 Plan, so there is a low-cost step where a coach can look at your situation and tell you honestly whether the Plan is worth it for you. Sometimes the answer is no. We would rather charge you thirty-nine pounds and say so.
A ninety-day list handed to you cold is somebody else's homework. The same list, arriving after you have seen your own money run forward to a hundred, is obviously yours — you can see what each action is buying. Same list, completely different odds of it happening.
Almost nobody fails at money because they picked the wrong fund. They fail because the standing order never got set up, the pension was never traced, the will never got written, and nobody ever asked them about it again. The monthly session is unglamorous and it is the step that decides whether any of the rest mattered.
This is not a funnel with a locked door at each stage. Two of the five are free, one is thirty-nine pounds, and the guides on this site are free forever. If the free parts are all you ever use, we have still done our job.
Fair question, and rarely answered honestly. Here is what to expect before you book anything.
Most of a first session is you talking and a coach asking short questions and then being quiet. If you find yourself filling a silence, that is the session working, not going wrong. The useful answer is almost always on the other side of the pause.
Ask what to do with your pension and you will get a clear, plain explanation of how the options generally work — and then a straight answer that choosing between them for you is regulated advice we are not authorised to give. That is not us dodging. It is the line, and we would rather say it out loud than blur it.
If you share money with someone, come together. A plan built from one person is half a plan, and the quieter half is usually where the useful conversation turns out to be. You do not have to agree with each other — most couples do not, on most things, permanently. We are not there to referee.
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. Those are conversation starters, not verdicts, and a coach who reads them out at you is doing it wrong. Everyone's picture has something in it.
If what you actually need is a regulated adviser, free debt help, a solicitor or your GP, you will be told, and pointed at the right one. A coach's job includes knowing where their job ends.
No, and most people do not. The first two are free, take about nine minutes between them and ask for no card. Plenty of people do those, change one thing and never speak to us again — that is a good outcome, and we would rather that than sell you something you did not need. The order exists because each question is easier once you have answered the one before it, not because you are meant to march through all five.
You can buy it at any point, but we will ask you to run the free Healthcheck first, because the Plan is built from what you actually spend rather than what you remember spending. Connecting the bank feed is read-only, takes about two minutes, and it is the whole difference between a plan on your real numbers and a plan on an estimate — the second kind reads beautifully and falls apart around month four, when the figure it was built on turns out to have been the optimistic one. If you buy the Plan 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. There is no card taken anywhere in the free part, no trial that quietly turns into a subscription, and no salesperson who rings you a fortnight later. If the free parts change one habit, the job is done.
Then please do not start here. If you are behind on payments, being chased by a creditor, or genuinely frightened about money, free independent help exists today and it is better than anything we sell. 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, and none of them earns anything from putting you in a debt solution — which is exactly why we point at them rather than at us. 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 Money Ltd is not authorised to give it. Where a decision genuinely 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. The Money Road Map is one longer conversation plus the work behind it, and the document reaches you afterwards rather than being typed at you live. Ongoing coaching is one session a month. So the honest shortest answer is: nine minutes to know something useful, an hour or so to have it properly explained, and a month at a time after that. There is no minimum term anywhere and nothing rolls over on its own.
Come together, if you can. Money is the thing couples argue about most, and the argument is almost never really about the money — it is two sets of inherited beliefs meeting in one kitchen. A plan built from one person is half a plan, and the quieter half is usually where the useful conversation turns out to be. You do not have to agree with each other, and most couples do not; disagreement is normal and we are not there to referee it. One thing is fixed, though: if we work with a couple, we do not keep one partner's financial secret from the other. That is agreed in writing at the start, before anything else happens.
Particularly if that accountant is us. 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 actually 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 genuinely different questions with different answers, and most business owners have never had the second set looked at by anybody. If your accountant is someone else, nothing here asks you to move: coaching sits alongside the compliance work rather than replacing it.