Build your six-figure investment portfolio through 1-to-1 coaching

Stop relying on generic tips. Get a bespoke financial plan and direct coaching tailored to your situation—at a fraction of the cost of a traditional adviser.

The Information Trap

You've probably spent dozens of hours watching personal finance YouTube channels. You know the terminology. You've heard the generic investment tips.But when you open the investment app on your phone, you still freeze—because none of those videos know your specific context, your earnings, or your goals.Traditional financial advisers charge thousands of pounds a year to solve this problem loop. I don't. For a very reasonable one-time fee, you get a certified professional to sit down with you, cut through the noise, figure out your numbers, and actually move the needle in a fraction of the time.

Here's how it works

An efficient, high-touch partnership designed to get you set up and growing way faster.

Step 1) Free Intro Session

We spend 30 minutes aligning on your goals and your investable gap. It’s an honest look at whether my coaching is the right tool to get you to your next milestone. No hard sell—if I’m not the right fit, I’ll tell you straight.

Step 2) Your Financial Plan

We spend our initial sessions auditing your numbers—accounts, fees, and current strategy. You walk away with a clear, written plan to maximise your wealth and stop the fee leaks that cost most investors thousands.

Step 3) Ongoing Support

Fortnightly coaching calls to keep you on track and circumvent the usual excuses. Plus, a direct line to me on WhatsApp for investment platform queries and quick sense-checks when you need them.

15.6%

ISA annualised return

5k

YouTube subscribers

R01/5

CII certified

Iwan's testimonial

"I started a few months ago and in that time the way I view money has drastically changed. I’ve started to save money in a savings account for an emergency fund and am going to start saving for a new car I also started investing and thinking about my long term, I’ve gained knowledge about how my taxes work which I had absolutely no clue about before.Every session has left me with more knowledge than before and it is always a very pleasant experience speaking to Ruth, 10/10 stars."

3-Month Coaching Package

Includes all three steps: your intro session, your written financial plan, and 3 months of ongoing support.Start with a free, no-obligation intro chat to ensure we're a perfect fit. You only pay if we both decide to move forward.

Hi, I'm Ruth

I built my own six-figure investment portfolio from scratch, achieving a 15.6% average annual return. As a financial coach with 5,000 subscribers on YouTube, I’ve done hundreds of hours of research so you don't have to.I'm here to bridge the gap between you being unsure of your next step, to finally taking decisive action, and getting the results you want. I don't gatekeep, I don't hide behind financial jargon, and I'll tell you exactly what you need to do to build real wealth.

DISCLAIMER: I don't give financial advice. Whereas financial advisers recommend specific products, a financial coach is all about educating you so that you feel comfortable making your own financial decisions.

© 2026 Scrimp and Spend Ltd. All rights reserved. Scrimp and Spend Ltd is registered in England and Wales (Co. No. 16857707). 44 Buccaneer Court, Kestrel Road, Farnborough, GU14 7GP. Privacy Policy | Terms of Use

Privacy Policy
Last updated: 4th Jun 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, phone numbers 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: 4th June 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, phone number 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].

Financial Coaching Agreement: Scrimp and Spend Ltd1. The Parties
This agreement is between Scrimp and Spend Ltd ("the Coach") and the individual who initiates a subscription via the approved payment link ("the Client").2. The Service
The Coach agrees to provide financial coaching as specified in the plan description on the Stripe payment page at the time of purchase. This includes the specific number and duration of 1-on-1 coaching calls per billing cycle, subject to the Coach’s booking calendar and availability.3. Financial Disclaimer (Non-Regulated Advice) The Client understands and agrees to the following:-Ruth David is a Financial Coach, not a Financial Advisor regulated by the Financial Conduct Authority (FCA).-The services provided are for educational and informational purposes only.-The Coach does not provide regulated financial, tax, or investment advice. This includes advice on specific investment products, mortgages, pensions, or insurance.-All financial decisions made by the Client are their sole responsibility.-Scrimp and Spend Ltd accepts no liability for financial outcomes or losses.4. Fees and Billing
Monthly Fee: The service is billed at the rate specified on the Stripe payment link at the time of purchase.Recurring Billing: Billing will continue automatically on a rolling monthly basis at the then-current rate until cancelled by the Client.5. Cancellation Policy
Notice: The Client may cancel at any time.Access: Access to the coaching service and booking calendar will continue until the end of the current paid billing period.Refunds: No partial or full refunds are provided for coaching sessions already delivered or for mid-month cancellations.6. Session Management & Availability
Calls are typically available Monday–Friday (Daytime).Usage: Sessions must be used within the billing month they are allocated; unused sessions do not roll over to the following month.Rescheduling: To ensure effective service for all clients, the Coach reserves the right to require 24 hours' notice for rescheduling sessions.7. Recording and Data Management
Purpose: Sessions are recorded via Google Meet to provide the Client with a reference copy and for the Coach’s internal training and quality assurance.Storage: Recordings are stored securely on Google Drive and are accessible only by Scrimp and Spend Ltd.Retention: Recordings will be retained for a period of seven (7) years following the end of the coaching relationship to comply with professional record-keeping standards and for legal protection, after which they will be permanently deleted.Professional Supervision: The Coach may share anonymised themes or specific session recordings with a professional supervisor or mentor coach for the sole purpose of the Coach’s professional development and quality assurance. These third parties are also bound by strict professional confidentiality.Opt-Out: The Client may request that a specific session not be recorded or that a recording be deleted at any time by giving verbal or written notice.8. Confidentiality
All personal and financial information shared by the Client will be held in strict confidence, in accordance with the Scrimp and Spend Ltd Privacy Policy, except where disclosure is required by law.9. Governing Law
This agreement is governed by the laws of England and Wales.
Acceptance: Successful completion of the first payment via Stripe constitutes the Client’s full acceptance of these terms.