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The Money Blog

Money, financial wellbeing and the agency to shape your future.

Financial wellbeing is about more than how much you earn, save or invest. It’s about understanding your financial life — and having the knowledge, confidence and agency to make informed choices about what happens next.

Here I explore money from different angles: financial literacy and investing, behaviour and psychology, confidence and decision-making, the systems and circumstances that shape our financial lives, and what all of this means for our lives now and in the future.

You’ll find my writing, research, practical ideas and conversations from podcasts I’ve been invited to join — all exploring how a better understanding of money can give us greater agency over our choices, our opportunities and our future.

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Why Money Feels Harder in January — and What to Do About It budgeting help uk conscious spending everyday finance financial habits that work financial stress relief financial support uk financial wellbeing january finances managing money in 2026 mindful money habits money anxiety new year money reset personal finance tips real life money advice winter financial planning Jan 11, 2026

Every January, people tell themselves this is the year they’ll sort their finances out. But 2026 feels different. It’s not just that it’s January. It’s not just that it’s the aftermath of holiday spen...

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Establish Healthy Financial Boundaries: Say No to Unnecessary Expenses #financial wellness budgeting for success building financial discipline conscious spending financial boundaries financial control financial goals and habits financial peace of mind mindful money management money management personal finance tips protecting your money reducing impulse spending saying no to unnecessary spending spending plan wealth-building strategies Aug 06, 2025

When it comes to managing money, one of the most important skills you can develop is the ability to set and maintain healthy financial boundaries. Just as boundaries are essential in relationships to ...

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Meet Sarah
Sarah McCalden

Sarah McCalden

Coach, Mentor, Trainer, Author

Hi, I’m Sarah. I’m an award-winning coach, mentor, trainer and author working at the intersection of money, financial wellbeing, behaviour and personal development. I’ve also had a fairly unconventional life. I’ve lived on three continents, recovered from a life-threatening drug addiction, run marathons and ultramarathons, built a multiple six-figure income, learned how to invest, become an international bestselling author — and experienced plenty of ups, downs and reinventions along the way. Those experiences have shaped the way I think about money. Because financial wellbeing isn’t simply about knowing what to do with your money. Knowledge matters, but so do our beliefs, behaviours, confidence, circumstances and the choices available to us. That’s why much of my work now explores the relationship between money and agency: our ability to understand our options, make informed decisions and have greater influence over the direction of our lives. Through my writing, research, programmes and conversations, I bring together financial education, psychology, behaviour and lived experience to make complex ideas about money practical and relevant to everyday life. I’m interested in helping people not simply know more about money, but understand themselves better in relation to it — so they can make, manage and invest their money with greater confidence and create more choice in their lives. Ultimately, financial wellbeing isn’t just about having more money. It’s about having more agency over what happens next.

 Money is about more than money.

Join my newsletter for thoughtful, practical perspectives on money, financial wellbeing and the choices we make — drawing on research, real life and the conversations we often don’t have about our finances.

I’ll share ideas to help you understand your money differently, make more informed decisions and build greater financial agency in your life.

No noise. No judgement. Just useful ideas and conversations to help you think differently about money — and what it makes possible.

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