Your Money Road Map

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

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What's in it, in order

1 · Where you are now

Income, outgoings and what's left, pulled from your bank through the free Healthcheck.

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. For example, “£6,000 in the emergency fund by October”.

3 · The order they go in

Seeing four or five goals across the whole year lets you choose an order. You make the choice.

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.

5 · The session

Time with a coach who has already read your numbers, included in the price, so the session is about decisions.

6 · What happens when it slips

The map says what to do when a quarter goes wrong.

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What you 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.

The session

A session with a coach who has read your numbers first, about what you want and what is in the way.

Dates on every action

Every action carries a date.

On your portal

Your map is on your own portal. The current quarter is what the next conversation starts from.

An example year

Illustrative example; not a 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”.

Four things matter to them: build a buffer so an unexpected bill is not a crisis, find out what the pension holds, put a number on the wedding, and find out what the house move would cost.

Each gets a quarter, in the order they choose: the buffer first, then a quarter finding out what the pension holds, then the wedding costed before the deposits fall due, and the house question last, once there is a real savings rate to work from.

In this example, after twelve months they have a month of expenses in the bank, know what their pension holds, and have a wedding budget and a figure for the move.

How the year is coached

A session every ninety days. The first is included; the three reviews are optional and taken 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 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 finished. The whole year in the numbers: your survival figure, your savings and your months of cover, then against now.

It is also where year two gets built, at £249 instead of £399. If you carry on, the review is included in that; if you don't, the review is free.

For a session every month instead of every quarter, ongoing coaching is £69 a month and includes the reviews, with no minimum term.

When something else fits better

If your question is “does my money last?” — if you are near retirement, deciding when you can stop, or carrying pensions from several jobs, a property or two and a business — you need every year of your life modelled with tax applied, which is the Financial Plan at Buzz Financial Planning, £1,500.

If your situation is simple, the free tools and a single coaching session from £39 may be enough.

If you are struggling with debt: 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 help for free.

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

Free first steps

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. The map uses these figures.

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

Questions about the Money Road Map

What does £399 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 covers what to do when a quarter goes wrong. 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 Accounting Ltd is not authorised to give it.

Why twelve months and not ninety days?

A year gives each quarter a direction. 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. With the year laid out, you can see which goals can wait a quarter, and when a quarter slips, whether to move the date or drop the goal.

Is this the same as the Financial Plan?

No. 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 lasts. That is £1,500 and it is a different piece of work. If you are not sure which one you need, ask us.

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 Accounting Ltd is not authorised by the FCA to give regulated advice. Where a decision 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?

Tell us, and we will say whether it suits you. The free tools and a single coaching session from £39 may be enough. The map suits you when you know roughly what you want but the year keeps getting away from you, with four or five things that matter and no order to them.

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.

Do I have to do anything before the session?

Two short things. Connect your bank to the free Healthcheck so your spending is real rather than remembered, and take the two-minute money type tool. Both are free. It helps to bring a rough figure for any pensions you hold and what the mortgage or rent runs to each month; if you don't know, “find out what is in the pension” can be a first-quarter action.

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