Emily, a 33-year-old single mum of two from Manchester, worked full-time as a nurse but found it difficult to make ends meet. Balancing childcare costs, household expenses, and debt left her feeling overwhelmed, and she often used credit cards to cover essential needs. Emily wanted to provide a better financial future for her children, but without a clear plan, she felt stuck. After hearing about 4WayPocket, she reached out to see how coaching could help her regain control of her finances.
In Emily’s first session, her 4WayPocket coach carefully reviewed her financial situation. They discussed her monthly income, childcare expenses, and debts. Her coach helped Emily gain clarity on her financial priorities, and together, they created a realistic plan to reduce debt and start building savings.
Coach: "Emily, what’s your biggest concern when it comes to managing your finances right now?"
Emily: "It’s tough. Every month I feel like I’m just about keeping up, but I’m using my credit cards to get by. I want to get out of this cycle, but I don’t know where to start."
Coach: "That’s understandable. The first step is creating a plan to manage your debt while still covering essential expenses. We’ll also start working on a budget that allows you to begin saving, even if it’s just a little at first."
Coach: "How are things going with the debt repayment plan? Have you been able to make progress?"
Emily: "Yes, I’ve paid off one of my credit cards completely. It feels amazing to see the balance go down, even if it’s small progress."
Coach: "That’s a huge step! Every bit of progress counts. Keep focusing on these small wins—they’ll add up over time and help you gain control of your financial future."
Within a year of working with 4WayPocket, Emily paid off two credit cards, reduced her overall debt by 40%, and managed to save £500 for emergencies. With her budgeting plan in place, she was able to manage her monthly expenses without relying on credit, giving her a newfound sense of financial security. Emily’s stress about money significantly decreased, and she felt more confident about providing for her children.
Emily now feels empowered to continue improving her financial situation, and with the support of her coach, she’s working on long-term goals like saving for her children's education and eventually buying a home.
"Before working with 4WayPocket, I felt like I was drowning in debt with no way out. Now, I have a plan that actually works, and I’m starting to see the light at the end of the tunnel. I feel more confident about my finances and my future, and it’s all thanks to the coaching and support I received."