Welcome to The Financial Wellbeing Forum
A place for honest, emotionally intelligent conversation and information about money.
Here, you’ll find everything you need to start addressing those deeper personal finance issues that go largely ignored; debt, emotional spending, saving anxiety and much more.

Welcome to The Financial Wellbeing Forum
A place for honest, emotionally intelligent conversation and information about money.
Here, you’ll find everything you need to start addressing those deeper personal finance issues that go largely ignored; debt, emotional spending, saving anxiety and much more.
The painful reality of getting paid as a freelancer (and what you can do about it)
By Rose Stokes A sad but all-too-common experience for any freelancer is that of chasing overdue payments. As a worker on payroll, you often take for granted that your pay cheque arrives at roughly the same time of...
Finding Financial Wellbeing When… you start University
When you receive your first student loan, it’s hard not to be overwhelmed by the sudden possibilities opening up before you. Having worked part-time over the two years before I started University, I already had some level of control over my finances – but a student loan, which has to last across several months, is entirely different from a monthly wage, and I wasn’t used to assessing how much it actually costs to be self-sufficient.
Finding financial wellbeing when… you have bipolar disorder
I have always struggled with the notion of identity. Living with bipolar, it is so draining to have to maintain a balanced and stable sense of self when my mood can vary so much from one day to the next, it requires hard work and a targeted effort. The person I present to the outside world depends heavily on the state of my mood; the Katie everyone else sees never quite seems to accurately depict the Katie I feel on the inside.
Finding financial wellbeing when… your partner develops early-onset dementia
2016 my husband, Neil, was diagnosed with Young Onset Alzheimer’s Disease. At the time he was only 51 years old and was still serving as a Police Officer. We had two young daughters 6 & 5 years old and had a busy life with work, school, friends, family and the activities that come with a young family. I was 41 and was working part-time to accommodate childcare. We were careful with money and despite a large mortgage and a house that needed work we felt quite comfortable; able to afford camping holidays, a second-hand car and the odd meal out.

Hello
I’m Clare
Founder of The Financial Wellness Forum, author of Real Life Money and The Real Life Money Journal and woman behind the @myfrugalyear Instagram account.
I work to address the deeper causes of money anxiety, debt and financial difficulty, discussing how mindset, privilege and circumstances contribute to our financial wellness, with a particular emphasis on the unique challenges faced by women.
I offer one to one coaching, group workshops and consultancy for businesses wanting to offer financial wellbeing support to their employees.
An honest guide to taking control of your finances
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