£399 · twelve months, mapped

Your Money Road Map

What you want the next year to do, in what order, by when — broken into four sets of ninety-day goals, with a coach to work through them with. One piece of work, one document, yours to keep.

Buy the Money Road Map — £399Talk to us first

What's in it, in order

The order does real work. The year gets set before the actions do, so each ninety days reads as a step towards something rather than a to-do list somebody handed you.

1 · Where you are now

Your real numbers, not remembered ones — income, outgoings and what's actually left, pulled from your bank through the free Healthcheck rather than a form you fill in from memory.

2 · What you want the year to do

The handful of things that would make this a good year, each with a number and a date on it. “Save more” cannot be measured and cannot be coached against; “£6,000 in the emergency fund by October” can.

3 · The order they go in

Most people are carrying four or five things that all matter, which is exactly why none of them move. Seeing the whole year at once is what makes choosing an order possible — and the choice is yours, not ours.

4 · Four sets of ninety days

The year broken into quarters, each with a small number of specific actions and a date against every one. Ninety days is long enough to finish something and short enough to stay real.

5 · The session

Time with a coach who has already read your numbers, included in the price. Not a data-gathering call — the work is done before you sit down, so the conversation is about the decisions.

6 · What happens when it slips

Because it will. The map says what to do when a quarter goes wrong, which is the part that decides whether you are still following it in month seven.

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What you actually receive

The document

A written map as a PDF: where you are, what the year is for, the order things happen in, and the four quarters with dates. Yours to keep and to argue with.

The session

A proper conversation with a coach who has read your numbers first, about what you want and what is actually in the way of it.

Dates, not intentions

Every action carries a date. An action with no date is a wish, and wishes are why most money plans are still exactly where they were last January.

It stays live

Your map is on your own portal, not just in an email attachment. The current quarter is what the next conversation starts from.

What a year actually looks like

An illustrative example — the shape of a map, not a description of any real client.

Take someone at 38, on £52,000, with £1,100 in savings, a workplace pension they have never once looked at, a wedding to pay for next summer and a vague plan to move house “in a couple of years”. Nothing is going badly. Nothing is moving either.

Written down, four things matter to them: build a buffer that means an unexpected bill is not a crisis, know what the pension actually is, put a real number on the wedding, and find out what the house move would genuinely cost. Each of those is reasonable. Trying to do all four at once is why none of them happened last year.

So they get a quarter each, in the order that person chooses once they can see the whole year at once — which is usually the first time anyone has laid it out for them. The buffer early, because everything else is steadier once it exists. The pension in a quarter of its own, which is mostly a matter of finding out what is in it and asking the questions they have never asked. The wedding costed properly before the deposits fall due rather than after. The house question last, by which point there is a real savings rate to answer it with instead of a guess.

Four quarters, one thing each, every action with a date. In twelve months that is a month of expenses in the bank, a pension they can actually describe, a wedding with a number on it and a real figure for the move — instead of the same four intentions carried into another January.

How the year is coached

A session every ninety days, built around the plan rather than sold separately from it. Three of them are chargeable, all optional, and you take them one at a time.

Day 0 · Setting it up  INCLUDED

We build the map together — your income and expenditure, your survival number, twelve months of goals, and the first ninety days. This one is in the £399.

Day 90 · First review  OPTIONAL · £69

What moved in the first ninety days, what didn't and why, and the next ninety set against the same goals.

Day 180 · Second review  OPTIONAL · £69

Halfway. The goals get tested against a year that has already changed once, and the third ninety days is set.

Day 270 · Third review  OPTIONAL · £69

The final quarter gets set, with three quarters of evidence behind it about what you actually get done and what you don't.

Day 365 · the annual review — and year two at £249

On the anniversary, once all four quarters have actually finished. The whole year in the numbers: your survival figure, your savings and your months of cover, then against now. It is deliberately not held earlier — a review three-quarters of the way through a year cannot tell you whether the last quarter worked.

It is also where year two gets built, at £249 instead of £399. So if you carry on, that session costs you nothing. If you don't, you have had your year reviewed properly and you owe nothing for it.

If you would rather have somebody in it every month than every quarter, ongoing coaching is £69 a month and includes the reviews. No minimum term either way, and nothing you have already bought expires if you stop.

When this is not the right thing

We would rather say this out loud than take £399 from somebody who needs something else.

If your question is “does my money actually last?” — if you are near retirement, deciding when you can stop, or carrying pensions from several jobs, a property or two and a business — the Money Road Map is not built for that. That question needs every year of your life modelled with the tax applied properly, and that is the Financial Plan at Buzz Financial Planning, £1,500. Same company, different piece of work.

And if your situation is genuinely simple, the free tools and a single coaching session from £39 will do more for you than this will. Keep the money and come back when there is more to untangle.

And if the real problem is debt you are struggling with, this is the wrong thing and we will say so. We do not advise on debts, negotiate with creditors or set up debt solutions — that is regulated work we are not authorised to do. StepChange and National Debtline do it properly, for free.

If money is difficult right now, please don't buy anything from us. Free, independent help is available today. Start there.

Before you pay — do the free things first

Both are free, both take minutes, and between them they make the paid session twice as useful. We would honestly rather you did these and decided you didn't need the map.

The free tools

Your money type in two minutes and your Financial Freedom Score in seven. Nothing is sent to us — both run entirely in your browser.

The Financial Healthcheck

Connect your bank read-only and the last few months sort themselves. This is what makes the map run on real numbers instead of estimates.

Buy the Money Road Map — £399 Start with the free tools Talk to us first

Fair questions about £399

What does £399 actually buy?

A coach's time across the fact find and the session, the map itself, and a written document you keep. The fact find is built from your bank feed rather than a form, so the session starts on decisions instead of data entry. You leave with twelve months laid out, four sets of ninety-day goals with dates on them, and a coach who has already read your numbers. It also buys the part most plans skip: what you do when a quarter goes wrong, agreed before it does rather than after. The map then lives on your own portal instead of an email attachment, so the current quarter is where any later conversation picks up. What it does not buy is a recommendation to hold a particular pension, fund or lender — that is regulated advice, and Buzz Money Ltd is not authorised to give it.

Why twelve months and not ninety days?

Because ninety days on its own has no direction. A quarter is long enough to finish something and short enough to stay real, but you need a year above it or you are just picking tasks. The map sets the year first, then breaks it into four quarters, so each ninety days is a step towards something rather than a list somebody handed you. A year is also the horizon that stops the commonest failure, which is running at four sensible things at once and finishing none of them. Laid out together, it becomes obvious that three of them can wait a quarter without any harm done. And when a quarter does slip, the year above it is what tells you whether to move the date or drop the goal, instead of quietly abandoning the whole thing in March.

Is this the same as the Financial Plan?

No, and they answer different questions. The Money Road Map is about direction over the next twelve months — what you want, in what order, by when. The Financial Plan at Buzz Financial Planning models every year of your life to age 100 with UK tax applied properly, and answers whether the money actually lasts. That is £1,500 and it is a different piece of work. If you are not sure which one you need, ask us and we will tell you honestly, including when the answer is this one.

Is this financial advice?

No. It is coaching. The map describes your position and helps you decide what to do next. It does not recommend a pension, an investment, a lender or a debt solution, and Buzz Money Ltd is not authorised by the FCA to give regulated advice. Where a decision genuinely needs regulated advice we say so plainly and can introduce you to Equity & General (FCA 474163) — optional, with no obligation. If money is a worry right now, MoneyHelper, StepChange and National Debtline give free independent help today.

What if my situation is simple?

Then say so and we will tell you honestly whether this is worth it. Plenty of people are better served by the free tools and a single coaching session from £39. The map earns its £399 when you know roughly what you want but the year keeps getting away from you — when there are four or five things that all matter and no order to them. If that is not you, keep the money and come back when it is.

How many sessions do I get for £399?

One — the session that builds the map with you. After that there are three optional reviews, at day 90, day 180 and day 270, each £69 and each taken one at a time rather than bought as a package. Then on the anniversary there is the annual review, which looks at all four quarters and builds year two; that one is included in year two’s £249 rather than charged separately. You are never signed up to anything: if you take the map and go, that is a perfectly reasonable thing to do and plenty of people do it.

Do I have to do anything before the session?

Two short things, and they change the session completely. Connect your bank to the free Healthcheck so your spending is real rather than remembered, and take the two-minute money type tool so the coach knows how you are likely to react to the answer, not just what the answer is. Both are free and neither commits you to anything. Arriving with those two done means the session starts on decisions instead of data entry. It helps to bring a rough figure for any pensions you hold and what the mortgage or rent runs to each month, but not knowing is common and is not a reason to put the session off — “find out what is in the pension” is a perfectly good first-quarter action, and for a lot of people it is the one that does the most.

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