Financial coaching

If you want to finally start growing your wealth, spend it on things that actually matter, and feel confident about your finances, then I can help.

The situation in the UK right now is a scary one, with only one in three people having a cash ISA (tax free savings), and even less (15%) having a stocks and shares ISA (tax free investing). This highlights a big gap in awareness and confidence that shouldn’t be there - we need more people saving and investing, without losing a big chunk in taxes!

According to the Money and Pensions Service (MaPS), only a third of people checked their pension in the last year - did you? An even smaller percentage (20%) spoke about it with others. But if you don’t know about your pension, and you don’t discuss it, then how can you plan retirement? How can you know when it’s possible to stop working, to reduce your working hours, or know what lifestyle you can maintain and for how long? All the answers are there if you take the time to look, and to plan.

In my financial coaching sessions, I can help you work through lots of money-related things such as budgeting, saving, investing, buying a home, couples finances, taxes, pensions, insurance, and more.If it’s to do with money, then there’s a strong likelihood I can help. I offer a free introductory call with anyone wanting to try out my financial coaching. This gives us both a chance to learn about each other and see if it’s worth taking the next step.Click here to book a session.My approach to coaching is holistic, which is why I’m open to discussing a wide range of questions. Our finances impact everything we do, and our relationship with money influences our behaviours in ways that we probably don’t realise until we stop and think about it. I can offer a sympathetic ear to the challenges you are facing and help you work out a solution that suits you.No question is too big to tackle or too small to be brought up. Every coach to client relationship is different, and that’s what makes this work so very interesting and rewarding (for the both of us).

While your situation is uniquely yours, there’s a common approach I tend to use when someone comes to me wanting to ‘figure out’ their finances. It starts with prioritisation and for this we can use the hierarchy of financial needs, where we discuss (and address any knowledge or confidence gaps), in relation to:1. Budgeting
2. Managing and reducing debt
3. Mortgages and borrowing
4. Financial protections
5. Retirement planning
6. Saving & investing
7. Estate & tax planningNote - while this is the traditional order to go in, the list is flexible and we can use our time together to confidentially discuss the things that are most important to you.Click here to book a call.

Get to know me

I’m Ruth, a financial coach with heaps of experience investing and getting the best value for money. As a part-qualified financial adviser and current member of the Personal Finance Society, I spend one day each week deepening my knowledge of personal finance topics such as taxation, investing, pensions, and financial planning, ensuring that I can always bring my clients the most up-to-date information.Favourite dessert: brownie and ice cream 🍨
Main investment: global tracker fund 📈
New obsession: Hyrox gym classes 💪
Life update: I got married on 25 Feb 2026 💍
How I relax: board games and anime 🎲The best way to get to know me is to simply book a call, here.

What does it cost?

I charge £80 per month for my financial coaching. For this price, you get unlimited opportunities to book a call with me. There’s an initial minimum commitment of three months, so you would pay £240 to get started.You can cancel at anytime during the cycle, and you’ll continue to get access to me until the end of the final month you’ve paid for. Everyone is able to get an initial free introductory call before paying so that you can see if you want to continue.Note - I usually take calls in the daytime Monday-Friday, but if the available slots don't work for you - feel free to drop me an email ([email protected]).Click here to book a call.

Privacy Policy
Last updated: 5th March 2026This privacy notice for Scrimp and Spend Ltd (‘Company’, ‘we’, ‘us’, or ‘our’), describes how and why we might collect, store, use, and/or share (‘process’) your information when you use our services (‘Services’), such as when you visit our website at https://www.scrimpandspend.com or engage with us for coaching discovery calls.1. WHAT INFORMATION DO WE COLLECT?
We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our Services.Personal Information Provided by You: Names and email addresses.
Payment Data: If you choose to engage in paid coaching, we process payments via Stripe. We do not store credit card details on our servers; all payment data is handled by Stripe. You can find their privacy notice here: https://stripe.com/privacy.
Information automatically collected: Like most websites, our hosting provider (Carrd) may automatically collect certain information such as your IP address, browser type, and device characteristics for security and analytics purposes.2. HOW DO WE PROCESS YOUR INFORMATION?
We process your information to:Deliver and facilitate the delivery of services (specifically, scheduling and conducting coaching calls via Google Meet).Respond to your inquiries and offer support.Fulfill and manage any coaching agreements or payments.3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
We only share information with the following third parties to help run our business:Google Workspace: For email, calendar scheduling, and video conferencing.
Stripe: For payment processing and invoicing.
Carrd: Our website platform and hosting provider.4. HOW LONG DO WE KEEP YOUR INFORMATION?
We keep your information for as long as necessary to fulfill the purposes outlined in this notice (e.g., the duration of our coaching relationship) or as required by UK law for tax and accounting purposes.5. WHAT ARE YOUR PRIVACY RIGHTS?
As a resident of the UK/EU, you have the right to request access to your data, or to ask us to delete or correct it. You can exercise these rights at any time by emailing us.6. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may email us at [email protected] or by post to our registered office:
Scrimp and Spend Ltd
44 Buccaneer Court, Kestrel Road, Farnborough, GU14 7GP.7. HOW CAN YOU REVIEW, UPDATE, OR DELETE DATA?
To request a review, update, or deletion of your personal information, please contact us directly at [email protected]. We will respond to your request within 30 days.

Terms of Use
Last updated: 5th March 20261. About Us
This website is owned and operated by Scrimp and Spend Ltd. Our website provides financial education and coaching services designed to help you manage your personal finances more effectively.2. No Financial Advice
IMPORTANT: Scrimp and Spend Ltd is a financial coaching service. All content on this website and information provided during "free calls" or coaching sessions is for educational and informational purposes only.We are not regulated by the Financial Conduct Authority (FCA).We do not provide regulated financial, investment, tax, or legal advice.Any actions you take based on the information provided are at your own risk. We strongly recommend consulting a qualified professional before making significant financial decisions.3. Intellectual Property
Unless otherwise stated, all content published on https://www.scrimpandspend.com (including text, graphics, and logos) is the intellectual property of Scrimp and Spend Ltd and Ruth David. You may not reproduce or redistribute this content without our express written permission.4. External Links & Affiliates
Our website may contain links to external websites or "affiliate links."Affiliates: If you click an affiliate link and make a purchase, we may receive a small commission at no extra cost to you. We only recommend products we believe add value.External Sites: We have no control over the content or availability of third-party sites. The inclusion of a link does not imply a recommendation or endorsement.5. Bookings and Services
By booking a free call, you agree to provide accurate information (Name and Email). We reserve the right to cancel or refuse any booking at our discretion. If you subsequently enter into a paid coaching agreement, that service will be governed by a separate Coaching Agreement provided to you at that time.6. Limitation of Liability
To the maximum extent permitted by law, Scrimp and Spend Ltd shall not be liable for any financial loss, damage, or poor investment performance resulting from the use of our website or services. Every effort is made to keep the website running smoothly, but we take no responsibility for technical issues beyond our control.7. Governing Law
These terms are governed by the laws of England and Wales.8. Contact Us
If you have any queries regarding these terms, please contact [email protected].