Ledgerlight Financial CoachingFinancial coaching
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Inside the sessions

Tools and milestones

No 40-tab spreadsheet required. These pictures follow a coaching programme from the first handshake to the simple tools clients keep using in under fifteen minutes a week.

Two people shaking hands across a desk at the end of a meeting
01 — A programme begins once scope and fee are agreed in writing, after the free 25-minute clarity call.
Notes being written into an open notebook at a desk
02 — The snapshot starts by hand: rough take-home pay, recurring bills and current balances, with no tidy budget needed first.
Figures written into a ruled notebook beside a laptop
03 — Ninety days of real spending, sorted into fixed bills and flexible lines without judgment.
Three rising stacks of coins on a pale surface
04 — Avalanche or snowball: balances are stacked in an agreed payoff order once a starter buffer is in place.
A glass jar holding coins and folded banknotes
05 — A sinking fund for irregular costs such as car repairs and holidays, filled automatically on payday.
A small red cash box with the key in the lock
06 — The emergency reserve is kept apart, with its own rule for when it may be opened, agreed before it is filled.
A worn hardback ledger closed on the desk
07 — For variable incomes, every payment lands in one holding account before a tax share and a steady paycheck are split off.
Notes written by hand beside a coffee cup and keyboard
08 — The monthly check-in: 50 minutes to review the numbers, adjust for life changes and catch drift early.

Notes from the practice

An occasional email on cash flow and money habits, sent only when there is something useful to say.

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