How We Help You Build Better Money Habits
Forget stuffy lectures about compound interest. We teach financial skills the way people actually learn – through real situations, honest conversations, and strategies you can start using straight away.
Since 2019, we've been helping UK households figure out what works for their unique circumstances. Not textbook answers, but practical approaches that fit actual lives.
Roisin Gallagher
I started lithosarent after spending years watching people struggle with generic financial advice that rarely matched their reality. Every household is different, and our methods reflect that.
Our Teaching Philosophy
Start Where You Actually Are
We don't assume everyone comes in with the same knowledge or situation. Some folks are completely new to budgeting. Others have tried multiple apps and systems that didn't stick. Your starting point shapes how we work together – there's no standard path everyone must follow.
Use Your Own Numbers
Generic examples with round figures don't really help. During our sessions, we work with your actual income, your real expenses, your specific debts. That's when things click – when you see how the concepts apply to your life, not some hypothetical scenario.
Build Habits That Last
Quick fixes wear off fast. We focus on patterns you can maintain long after our sessions end. That means finding approaches that match how you think, what motivates you, and what realistically fits into your routine. Some people need daily check-ins. Others prefer weekly reviews. Both work fine.
Address the Emotional Side
Money brings up anxiety, shame, fear, excitement – all sorts of feelings that influence decisions. We talk about that openly. Understanding why you avoid checking your bank balance or why you impulse-buy when stressed matters as much as knowing how interest rates work.
How Sessions Work
We've refined this approach over hundreds of sessions. It's flexible enough to adapt but structured enough to keep making progress.
Assessment Without Judgment
First session involves looking at where you are financially. No lectures about past choices – just honest assessment of current situation, spending patterns, and what's working or not working.
Define Your Priorities
What actually matters to you? Emergency fund? Debt reduction? House deposit? We identify specific goals and rank them based on urgency, feasibility, and personal importance.
Create Your System
Together we build a money management approach tailored to your situation. This might involve budgeting apps, spreadsheets, envelope method, automated transfers – whatever fits your style and sticks.
Test and Adjust
You try your new approach for two weeks, then we review what happened. What felt easy? What was harder than expected? We refine based on real experience, not theory.
Build Knowledge Gradually
As your basics solidify, we introduce more concepts – saving strategies, dealing with debt efficiently, understanding credit, planning for bigger purchases. Pace depends entirely on your progress.
Prepare for Independence
Final sessions focus on troubleshooting common problems and building confidence to handle financial decisions solo. You'll know when you're ready – you'll feel it.
What Changes Can You Expect?
Results vary wildly because everyone starts from different places and has different goals. But there are common patterns we see among participants who stick with the process.
- Better awareness of where money actually goes each month, which often reveals surprises about spending patterns
- Reduced financial anxiety as you gain clearer understanding and control over your situation
- Ability to make bigger financial decisions with more confidence rather than avoidance or panic
- Progress toward specific goals you've set, whether that's building savings or reducing debt
- Improved communication about money with partners or family members
- Skills to evaluate financial products and services rather than relying purely on marketing
- Realistic expectations about what you can achieve and reasonable timelines for various goals
Most people notice some positive changes within the first month. Bigger transformations take longer – usually three to six months before new habits feel natural. And that's completely normal.
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