Wise Monkey Financial Coaching

Is money avoidance holding you back?

Many of us avoid money without even realising it - leaving bills unopened, putting off financial admin or convincing ourselves it’ll all sort itself out. This blog explores what money avoidance really is, why it happens, and how it shows up in everyday life. You’ll hear real examples from clients who’ve faced their fears, discover why avoidance is often a form of self-protection, and learn gentle, practical ways to begin turning things around. Above all, it’s a reminder that avoidance is human - and that with the right support, change is possible.

Why every woman deserves a freedom fund

A freedom fund isn’t just a rainy-day pot - it’s about creating choices. In this article, we explore why having your own savings set aside matters, especially for women. Sharing practical ways to start building a freedom fund, how it differs from an emergency fund, and the mindset shifts that make saving possible even in tough times. With real-life insights from my coaching work, you can see how small steps can grow into the confidence and independence to shape your own path.

You may be missing out on thousands of pounds of unclaimed pension tax relief

Are you missing out on unclaimed money?

While celebrating the success with a client of her new job and impressive payrise, I suggested she ask some questions of her existing pension provider, and the pension provider at her new job, to explore her options.

During our discussion, I asked whether she was claiming higher rate tax relief on her pension contributions. She wasn’t aware that this was something she needed to do. She didn’t know she could claim, or that it was up to her to claim. Nor that by not claiming she could have been missing out on thousands of pounds.

Don’t Fall For The Black Friday Hype

Who doesn't like a sale? But be cautious before geting sucked into the temptation of Black Friday.

Research shows that the vast majority of Black Friday deals aren't any cheaper than normal prices. Stores use psychological tricks like anchoring to make sale prices feel exciting compared to inflated original prices. The time pressure of limited deals can make shoppers feel compelled to buy.

Read on for insights and tips on resisting the urge to succumb to deals.

What are we giving our children at Christmas?

I was chatting to my hairdresser the other day, having the conversation we’re all having at this time of year: “You all set for Christmas? Done your shopping yet?” She said she was all ready, excited for her young children aged 7 and 10, and revealed that her budget was £600 per child.

I left the hairdresser contemplating this, and the wider implications of that kind of spend. It set me thinking about what we’re actually giving our children at Christmas. Every parcel under the Christmas tree is wrapped not just in sparkly paper and ribbons, but in many layers of belief and attitudes and values. While the actual presents may soon be forgotten, these extra layers often stay with people for their whole lives – affecting how they deal with money, love and giving in adulthood.

It's these beliefs and attitudes...

Is money avoidance holding you back?

Why every woman deserves a freedom fund

You may be missing out on thousands of pounds of unclaimed pension tax relief

Don’t Fall For The Black Friday Hype

What are we giving our children at Christmas?

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