Your Financial Life Is Your Life
Money isn't separate from the rest of your life. It influences the choices you have, the decisions you make, the opportunities you pursue and what becomes possible for your future.
Financial wellbeing isn't about just how much you earn or how much you know about money. It's about having agency over your financial life — recognising that what you believe, the decisions you make and the actions you take all influence the results you create.
I help individuals, business owners and organisations understand those influences, make more intentional decisions and take practical action to create greater financial confidence, security and choice.
Explore Ways to Work With Me ↓How I Can Help You!
FOR ONGOING FINANCIAL WELLBEING, PERSONAL DEVELOPMENT, DECISIONS AND ACTION
FOR ESTABLISHED BUSINESS OWNERS WHO WANT TO CREATE THEIR NEXT LEVEL OF BUSINESS GROWTH
FOR EMPLOYERS AND ORGANISATIONS INVESTING IN THEIR PEOPLE'S FINANCIAL WELLBEING
FOR BUSINESS OWNERS WHO WANT TO SPEND 30 DAYS DELIBERATELY CREATING MORE OPPORTUNITIES FOR BUSINESS
Financial Wellbeing Is About More Than Money
Knowing what to do with money, matters. But knowing and doing are not the same thing.
You can know you should save more, invest for the future, charge more for your work, build a financial buffer or have a conversation you've been avoiding — and still not do it.
That's because financial decisions aren't made on knowledge alone. They're influenced by our beliefs, expectations, habits, experiences, identity and what we believe is possible for us.
At the heart of my work is what I call Financial Identity — the beliefs, expectations and standards that influence how we earn, spend, save, invest, price our work, respond to opportunities and make decisions about our financial future.
Financial Identity isn't only about money. It is connected to how we see ourselves, what feels possible or normal for us, what we're willing to ask for, the opportunities we're willing to pursue and the actions we're prepared to take.
This is why lasting financial wellbeing requires more than information.
When we understand what's influencing our decisions, we can make more intentional ones. Different decisions lead to different actions, and repeated actions create different results.
Your financial future is created one intentional decision at a time.
RESERVE MY FREE PLACEResearch-Informed. Designed for Real Life.
My approach to financial wellbeing brings together behavioural science, financial psychology, personal development, practical action and lived experience.
In 2025, I worked with Newcastle University through the Arrow Innovation Programme to explore the psychological and behavioural factors that influence financial wellbeing.
The research strengthened the evidence base behind my work and reinforced something I had already seen repeatedly in practice: financial knowledge matters, but information alone doesn't necessarily change financial outcomes.
Understanding what influences our beliefs, decisions and behaviour — and helping people turn that understanding into action — is central to the Financial Wellbeing Framework and the work I continue to develop today.
EXPLORE THE RESEARCH AND PARTNERSHIPS OPPORTUNITIESThere was a time in my life when almost everything revolved around finding the next £10.
I spent years addicted to drugs, and money meant something very different to me then. It was immediate. It was about getting through the next few hours. I wasn't thinking about financial security, building a business, investing for the future or creating greater choice in my life.
My life today looks very different.
I've built businesses, made nearly $250,000 in a year, experienced periods when money felt abundant and others when it felt far less certain, and made financial decisions I've been proud of alongside others I would make very differently now.
Through all of it, I've become fascinated by what actually influences the financial results we create.
Knowledge matters, but our financial lives are also shaped by what we believe is possible, how we see ourselves, the decisions we're willing to make, the opportunities we pursue and what we consistently do.
That understanding now sits at the heart of my work.
I combine my lived experience with years of work in personal development, business and financial wellbeing to help people understand themselves better, make more intentional decisions and take practical action towards the financial future they want to create.
For me, financial wellbeing isn't about accumulating money for the sake of it. It's about what money makes possible: greater freedom, greater security, more choices and the ability to live more of your life on your own terms.
READ SARAH'S STORYFinancial Wellbeing Hour
One hour to think differently about money — and make better financial decisions.
Join me live on the third Wednesday of every month as we explore a different aspect of financial wellbeing and the beliefs, behaviours, habits and decisions that influence it.
You'll leave with practical ideas you can use immediately and at least one action you can take to improve your financial wellbeing.
Free | Live online each month
JOIN THE NEXT FINANCIAL WELLBEING HOURFrom Knowing to Growing
What does your next six months actually require from you?
This masterclass will help you get clear on what you want your business to look like six months from now, identify the three decisions, changes or actions that could make the greatest difference, and uncover what may need to shift for you to actually act on them.
You'll create your own Six-Month Business Momentum Map and leave knowing what matters most for where you want to go next.
Masterclass + workbook + practical implementation tools
GET FROM KNOWING TO GROWINGFEATURED IN:
"Thank you Sarah for these very practical and doable Daily Money Moves. Some provide a new perspective, some provide insights and aha moments, and some give a confidence boost... Truly invaluable information!"
— Patricia Bergström
"Sarah helped me to identify what limiting beliefs I had around money. She enabled me to figure out how I view money, income, pricing structures in my business, investment and more... I'm still finding value in what she taught me and noticing how my beliefs and blocks around money show up and how to get past them."
- Karen 'Gem' Pohlman
"I'm so glad that I signed up for Sarah's 'Master Your Money' challenge. I initially overlooked it as I have never had 'money problems'... This challenge has inspired me to actually take control. I am getting into better habits with a clear system in place... I am feeling really empowered as a result, and learning so much about myself."
- Hazel Turner
My Mission: Improve the Financial Wellbeing of 100,000 People
I believe financial wellbeing should be valued just as highly as physical wellbeing and mental wellbeing.
Because when people experience greater financial wellbeing, they're better equipped to make confident decisions, pursue meaningful opportunities, build stronger relationships and create lives with greater freedom, security and choice.
My mission is to help 100,000 people improve their financial wellbeing through education, coaching, community and practical action.
And the first milestone is clear:
10,000 people by the end of 2030.
Whether you attend a Financial Wellbeing Hour, join the Financial Wellbeing Club, work with me through your employer, attend a workshop, complete a programme or come on a retreat, you become part of that mission.
Together, we can help make financial wellbeing more accessible, practical and widely understood.
Your Financial Future Won't Change by Chance
Whatever your financial life looks like today, it isn't fixed.
The future you create will be shaped by the decisions you make, the opportunities you pursue and the actions you take from here.
You don't need to change everything at once. You do need to decide what you want to create next — and take the next step towards it.
Whether you want to improve your financial wellbeing, create more income and opportunity in your business, or help the people in your organisation build greater financial confidence, there is a way to work with me.
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