Beat the Credit Crunch

Smart Money Coaching ProgramennIn this current economic climate we can all do with a helping hand to manage our money. Petrol prices, Gas , Electricity and household shopping bills have all increased. Not items that we can do without. But where does the rest of your money go – is it spent on needs or wants ??nnOur smart money programme will give you back the confidence that you need to allow you to get on top of paperwork and manage your money regardless of the economic climate.nnGive your staff a helping hand – get someone to come on site and help your staff manage their money more effectively. For many people saving even just £10 or £15 per month is critical to survival.nnMany people don’t even know what they can claim on Child Tax Credits or Working Tax Credits – people don’t know what they don’t know what they don’t know.nnRelationships can offer feel the strain when money is tight. By working with a coach you can help each other overcome the hurdles that keep getting in the way of your life.nnWe are finding that more and more people are struggling to keep on top of the basics e.g money management and jobs round the house because they are so tired. Many of our own clients have had to take on a second job to keep the wolves from the door. nnPlease don’t wait until its too late to take action – they do say prevention is better than cure. There is nothing to be ashamed of – if your finances are tight at the moment – I mean come on even the big banks are struggling to balance the books aren’t they.nnOur programe will establish just where your money is going. We will help you:nn• review a typical months spendingn• create a personal cash flow for the coming yearn• provide a quarterly review of your spending to monitor progress, and change in spending habits n• help you set clear financial goals for the short , medium and long termn• refer you to associates who can review your money management in the following areasno Pensionsno Mortgageno Loans no Household utilities e.g. Gas, electric, internet etcnnSo go on be different to the rest – impress yourself or your staff by taking action today to keep the creditors away!nnCall 0845 337 9194 or email info@smartcoaching.biznn