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My card statements used to stack up unopened in my kitchen, too.

Other people see you as ‘successful’. But there’s 40 quid in your account – nowhere near enough to cover your direct debits.

It’s not fun. You don’t want to, but you know you’ve GOT to start sorting it out. Where to even start?!

I’m Claire. I help women with successful careers & businesses all over the world, to take control of your finances once & for all.

And honestly, it’s way more simple than you might think!

It starts with 4 easy steps, each taking less than 15 minutes. By the end, you’ll feel calm, in control (and maybe even excited about your financial future. Who’d have thought that was possible?!).

Click here now to get your free copy, ‘4 Ways to get off the Financial Rollercoaster’.

It takes 10 seconds…and might just change everything!

www.subscribepage.com/4WaysFreeGuide
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My card statements used to stack up unopened in my kitchen, too.

Other people see you as ‘successful’. But there’s 40 quid in your account – nowhere near enough to cover your direct debits.

It’s not fun. You don’t want to, but you know you’ve GOT to start sorting it out. Where to even start?!

I’m Claire. I help women with successful careers & businesses all over the world, to take control of your finances once & for all.

And honestly, it’s way more simple than you might think!

It starts with 4 easy steps, each taking less than 15 minutes. By the end, you’ll feel calm, in control (and maybe even excited about your financial future. Who’d have thought that was possible?!).

Click here now to get your free copy, ‘4 Ways to get off the Financial Rollercoaster’.

It takes 10 seconds…and might just change everything!

https://www.subscribepage.com/4WaysFreeGuide

18 hours ago

Peace Together Money Coaching with Claire Sweet

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# You're self-employed. 3 Reasons you may need financial advice!

Running your own business gives you both freedom and responsibility. You have more control over your finances than when you are an employee but there are things you need to consider to make the most of your new situation!

Here is the first reason -

1. Self-employed tax is complex

You may have chosen to operate as a sole trader or to open a limited or umbrella company. Whichever is best for you, you will need to grapple with the tax laws about your business income and how to pay yourself. You also need to ensure you are making the correct national insurance contributions so you do not lose your entitlement to the state pension when the time comes

I can help with all of this, ensuring you do not pay more tax than you have to.

**To find out more about how I can help you achieve your financial goals, call 01227 283186 or Send me a message!**
... See MoreSee Less

# Youre self-employed. 3 Reasons you may need financial advice!

Running your own business gives you both freedom and responsibility. You have more control over your finances than when you are an employee but there are things you need to consider to make the most of your new situation!

Here is the first reason -

1. Self-employed tax is complex

You may have chosen to operate as a sole trader or to open a limited or umbrella company. Whichever is best for you, you will need to grapple with the tax laws about your business income and how to pay yourself. You also need to ensure you are making the correct national insurance contributions so you do not lose your entitlement to the state pension when the time comes

I can help with all of this, ensuring you do not pay more tax than you have to.

**To find out more about how I can help you achieve your financial goals, call 01227 283186  or Send me a message!**

LIVE NOW >> 2020 Vision - what's that all about?? ... See MoreSee Less

Comment on Facebook

Good morning Claire!

Molly Symonds Lyn McLaughlin - here is what I was talking about!

Going Live HERE in 5 mins!! ... See MoreSee Less

Have you ever been shopping with literally JUST a loyalty card? I have...

I was in my training year as a pharmacist, my first proper job and I wasn’t earning much. This was the first time I'd had to manage all of my own money, with no-one else's salary to top up the account.

A week before payday, with my current account empty - I went to Sainsbury's with the £2.50 paper reward voucher that had come in the post and been pinned to the notice board in the kitchen.

(Before many retailers went digital, they used to post you vouchers for your points, which you could only spend in store)

That was it, all the money I had to buy my food shopping for the week - luckily I could walk to work and my other bills were paid by direct debit! After leaving university with a student loan and maxed out credit card, I didn't have another option, only 3 months in to a new town and a new job, I didn't have anyone to ask to borrow money....but then I wasn't actually going to do that, and have to admit to people (or any of my family) that I'd messed up my budget and run out of money.

We don't talk about money - and we certainly don't try to scrounge it off people if we mess up.

So I went shopping.

Pasta, chicken, 2 pints of milk, a loaf of bread for sandwiches and some fruit and veg from their value department - with a few odd tins to make up the difference and that was it. Frantically adding it up in my head as I went round...no scan and shop in those days....as I couldn't have faced the embarrassment of putting anything back at the checkout.

I got creative with my meals, and used up what was in the cupboards / fridge and do you know what?

I survived.

What I did learn from the experience was two things

1. I never wanted to be in this position again - so I needed to build up an emergency buffer in my current account providing the safety net that I didn't currently have, and a budget that actually worked.

2. Loads of things we buy each week are nice to have, but not essentials…and you can make quite a decent pasta sauce with a dollop of Hellman's and a sprinkle of grated cheese.

It was a crisis point and caused me to re-evaluate my circumstances and actually take action to do something different to ensure I didn’t end up broke again.
... See MoreSee Less

Have you ever been shopping with literally JUST a loyalty card? I have...

I was in my training year as a pharmacist, my first proper job and I wasn’t earning much. This was the first time Id had to manage all of my own money, with no-one elses salary to top up the account.

A week before payday, with my current account empty - I went to Sainsburys with the £2.50 paper reward voucher that had come in the post and been pinned to the notice board in the kitchen.

(Before many retailers went digital, they used to post you vouchers for your points, which you could only spend in store)

That was it, all the money I had to buy my food shopping for the week - luckily I could walk to work and my other bills were paid by direct debit! After leaving university with a student loan and maxed out credit card, I didnt have another option, only 3 months in to a new town and a new job, I didnt have anyone to ask to borrow money....but then I wasnt actually going to do that, and have to admit to people (or any of my family) that Id messed up my budget and run out of money.

We dont talk about money - and we certainly dont try to scrounge it off people if we mess up.

So I went shopping.

Pasta, chicken, 2 pints of milk, a loaf of bread for sandwiches and some fruit and veg from their value department - with a few odd tins to make up the difference and that was it. Frantically adding it up in my head as I went round...no scan and shop in those days....as I couldnt have faced the embarrassment of putting anything back at the checkout.

I got creative with my meals, and used up what was in the cupboards / fridge and do you know what?

I survived.

What I did learn from the experience was two things

1. I never wanted to be in this position again - so I needed to build up an emergency buffer in my current account providing the safety net that I didnt currently have, and a budget that actually worked.

2. Loads of things we buy each week are nice to have, but not essentials…and you can make quite a decent pasta sauce with a dollop of Hellmans and a sprinkle of grated cheese.

It was a crisis point and caused me to re-evaluate my circumstances and actually take action to do something different to ensure I didn’t end up broke again.

{FREE} Guide: "6 Reasons Your Successful Business Keeps Running Out Of Money"

Turnover's great...but there's never any money?!

It's so stressful! Your business looks great on paper. But where exactly IS the money? Certainly not in your personal bank account at the end of every month!

It's no fun when you're working SO hard, but still can't afford to splash out on dinner or book that retreat like everyone else.

I'm Claire Sweet - as a Qualified Financial Adviser, I’ve worked with successful business owners like you for over 12 years.

Discover the "6 Reasons WHY Your Successful Business Keeps Running Out of Money" - and some simple changes you can make, to transform your cashflow!

Click here to get your free copy now! >>>

www.subscribepage.com/6ReasonsFreeGuide
... See MoreSee Less

{FREE} Guide: 6 Reasons Your Successful Business Keeps Running Out Of Money

Turnovers great...but theres never any money?!

Its so stressful! Your business looks great on paper. But where exactly IS the money? Certainly not in your personal bank account at the end of every month!

Its no fun when youre working SO hard, but still cant afford to splash out on dinner or book that retreat like everyone else.

Im Claire Sweet - as a Qualified Financial Adviser, I’ve worked with successful business owners like you for over 12 years.

Discover the 6 Reasons WHY Your Successful Business Keeps Running Out of Money - and some simple changes you can make, to transform your cashflow!

Click here to get your free copy now! >>>

https://www.subscribepage.com/6ReasonsFreeGuide

I loved being an expert on this podcast!

If you see any other podcast opportunities that might like to hear from me - please let me know!

Listen more click below >>>>
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Hi Everyone! Do you wish you were more confident around money?

Let me give you a greater understanding of how to make your money work for you, so that you have enough for a decent quality of life now, but can prepare for the future - your dreams, plans and more…

Head over to the FREE Facebook group to join a like-minded group of people, a safe place to learn, ask questions and be supported by others who also want to be more money confident