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Real People, Real Experience
Started in 2019, we've spent years working with families across the UK who struggle with the same budgeting challenges we once faced ourselves. The cost of living crisis hit everyone differently, and we saw firsthand how traditional financial advice often misses the mark.
Our approach comes from actual experience—managing household budgets during job changes, navigating unexpected expenses, and finding ways to save without sacrificing what matters most. We're based in Hull, but we work with people throughout East Yorkshire and beyond through our online programmes.
What makes us different? We don't pretend budgeting is exciting or easy. It's not. But we've figured out ways to make it less painful and more sustainable for normal people with real lives.
The People Behind the Programmes
Rosalind Kettleworth
Programme Director
Former teacher who switched to financial education after watching too many families struggle during the 2020 lockdowns. Specialises in helping people rebuild their budgets after major life changes. Has a slightly obsessive relationship with spreadsheets.
Daphne Fairweather
Senior Advisor
Worked in retail banking for fifteen years before realising she wanted to actually help people rather than sell them products. Now focuses on practical budgeting methods that work for people who hate budgeting. Believes strongly in the power of a good cup of tea during difficult conversations.
What We Actually Do
- Teach annual budgeting frameworks that accommodate irregular income and unexpected expenses without falling apart
- Help people identify spending patterns they didn't realise existed and figure out which ones actually matter
- Create realistic savings goals that don't require living on beans and toast for six months
- Support families through major financial transitions with practical tools rather than generic advice
- Run autumn programmes starting September 2025 and spring sessions beginning February 2026
How We Think About Money
01
Honesty Over Optimism
We won't promise you'll save thousands overnight or that budgeting becomes fun. What we can offer is a system that actually works when life gets messy—which it always does.
02
Flexibility Matters
Rigid budgets break. We teach frameworks that bend without snapping, because your financial situation changes and your budget should too.
03
Small Steps Win
Grand financial transformations sound inspiring but rarely stick. We focus on incremental changes that add up over time without requiring superhuman discipline.
Want to Work With Us?
Our next comprehensive programme starts in September 2025. We keep groups small so everyone gets proper attention. If you're tired of budgeting advice that doesn't fit your actual life, we might be able to help.
Get in Touch