I Will Teach You to Invest in 6 Weeks!

A personalised 1:1 programme designed to build total financial confidence, teach you long-term investing, and get you to work-optional years sooner.

Join the VIP Waitlist

Enrolment opening soon. Limited to 5 founding students to ensure maximum 1:1 support. Waitlist members receive priority notification and an exclusive founding-member discount.

You’ve built the foundation. Now what?

This programme is built specifically for people who have conquered the basics, but are frozen at the starting line of investing:

01.

You've mastered the basics

You comfortably spend less than you earn, and you have a solid emergency fund sitting safely in a high-interest savings account.

02.

You know you should be investing...

BUT every time you open an investment app, you're hit with endless choices, tax jargon, and the fear of making a costly mistake with your hard-earned money.

03.

You're tired of generic advice...

AND you want a clear, step-by-step framework tailored to your specific life goals, and with a real human in your corner to guide you through it 1:1.

The Transformation.

Investing isn't about staring at spreadsheets—it's about buying back your time, flexibility, and freedom.

Phase 1: Goals & Life Mapping

We start with your ideal life, not spreadsheets. We sit down 1:1 to map out what you actually want your money to do for you and establish a clear, simple starting baseline.

Phase 2: Portfolio Architecture

I will teach you the exact 3-step decision-making framework behind asset allocation, tax wrappers (ISAs & Pensions), and investment funds so that you understand what to choose, why you're choosing it, and how to manage it independently.

Phase 3: Future Mapping & Autopilot

We connect the strategy back to your real life. We crunch your numbers to calculate your exact "Savings Optional" date—the precise moment you no longer need to add another penny to your retirement—and set up automated systems so your wealth grows in the background while you build a life on your own schedule.

Pure Education. Zero Product Sales.

Traditional financial advice often relies on keeping you dependent so they can charge an ongoing percentage fee. The way I work is completely different:

Zero Conflicts of Interest

I don't manage your funds, sell financial products, or earn commissions.

100% Autonomy

I teach you the decision frameworks to make your own informed financial decisions for life.

Dedicated 1:1 Support

We work through your exact numbers, questions, and hesitations together, step-by-step.

15.6%

Personal ISA annualised return

6,000+

YouTube subscribers

R01/02/05

CII certified

Hi, I'm Ruth 👋

Founder of Scrimp & Spend | 6k+ on YouTube

I built my own six-figure investment portfolio from scratch by age 30 and share my journey on YouTube with over 6,000 subscribers at Scrimp & Spend.I'm currently completing my studies to become a qualified Financial Adviser (having passed my CII R01, R02 & R05 exams) to bring professional knowledge to my coaching.My core belief is simple: Investing isn't about hitting an arbitrary account balance. It's about giving yourself options, flexibility, and the freedom to spend time on what matters most.

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Enrolment opening soon. Limited to 5 founding students to ensure maximum 1:1 personal support. Waitlist members receive priority notification and an exclusive founding-member discount!Unsubscribe anytime

Scrimp and Spend Ltd is a financial coaching service providing education and guidance. We do not provide regulated financial, investment, tax, or legal advice.

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Privacy Policy

Last updated: 25th Aug 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, payments are processed via third-party payment processors (such as Stripe) or direct bank transfer. We do not store credit card details on our servers; all debit/credit card processing is handled securely by Stripe (you can find their privacy notice here: https://stripe.com/privacy). For bank transfers, we only receive and retain standard transaction details (such as your name, payment reference, and amount) required for accounting and tax compliance.
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.
-Fulfil 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.
Kit (ConvertKit): For managing our waitlist, email communications, and subscriber records.
ScoreApp: For processing responses and leads from our online assessments.
Stripe: For payment processing and historical transaction records.
Carrd: Our website platform and hosting provider.
Umami: For privacy-focused, anonymised website analytics.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].