Sarah, a 35-year-old marketing manager from London, had a steady income but struggled with managing her finances. She often found herself living paycheck to paycheck, despite her relatively high earnings. Credit card debt, impulse purchases, and a lack of savings left her feeling stressed about her financial future. After hearing about 4WayPocket, she decided to seek the help of a financial coach.
Sarah's first session with, a financial coach from 4WayPocket, was eye-opening. Coach took a personalized approach, diving deep into Sarah’s spending habits, long-term financial goals, and the psychological barriers preventing her from achieving financial success.
Coach: “Sarah, let’s start by understanding your relationship with money. How do you feel about your current financial situation?”
Sarah: “Honestly, I feel overwhelmed. I make decent money, but I always end up broke at the end of the month. It's like I don’t even know where my money is going.”
Coach: “You’re not alone in that. The first step is awareness. Over the next few weeks, we’ll focus on tracking your spending and identifying patterns that might be holding you back. We'll also discuss mindset shifts to help you break free from impulsive habits.”
Coach: “How did the tracking go? Did anything surprise you?”
Sarah: “Yes! I realized I was spending over £200 a month on takeout without even noticing. It’s shocking how those little expenses add up.”
Coach: “That’s great insight. Now that you see where the money is going, we can adjust your budget. What would be a reasonable amount to allocate for eating out?”
Sarah: “I think I can cut it down to £100, and maybe cook more at home.”
Coach: “Perfect. And the money you save, we can funnel directly into your emergency fund.”
Within six months of working with 4WayPocket, Sarah had paid off £4,000 of her credit card debt and built a £2,000 emergency fund. She also managed to save £300 a month consistently, money she used to spend on non-essential purchases.
Sarah’s stress about money reduced significantly, and she felt more in control of her financial future. With a clear roadmap in place, she started working on investing for her future, including opening a Stocks and Shares ISA with guidance from 4WayPocket.
"Working with coach through 4WayPocket has been life-changing. I used to feel so stressed about money, but now I have a plan that actually works. 4WayPocket helped me see the bigger picture and gave me practical tools to achieve my goals. For the first time in my life, I’m not just surviving, I’m thriving financially.”