Initial Financial Review
First, we sit down and look at where you are right now. No judgement, just honest numbers. We'll go through your income, expenses, debts, and savings. Most people discover they're spending more than they realize in certain areas — like subscription services or impulse purchases.
Goal Setting & Priority Mapping
What matters most to you? Maybe it's saving for a house deposit, paying off credit cards, or building an emergency fund. We help you rank these goals and figure out realistic timelines. You might want everything at once, but we'll show you how to tackle them systematically.
Custom Budget Creation
Here's where we build your personal budget framework. We use the 50/30/20 rule as a starting point, but adjust it based on your situation. If you're renting in London, your housing costs might be higher than 50%. We make it work for your reality.
Implementation Support
The first month is crucial. We'll check in weekly to see how the budget feels in practice. Too tight in some areas? Too loose in others? We adjust as needed. Most clients need tweaks — that's completely normal.
Monthly Progress Reviews
Every month, we review your progress and make adjustments. Life changes — you get a raise, move house, or face unexpected expenses. Your budget should adapt with you, not work against you.
What You Get in Each Session
Our consultations aren't generic advice sessions. Each meeting focuses on practical tools and actionable steps you can implement immediately.
Spending Analysis
We'll categorize every transaction from the past three months. You'll see exactly where your money goes and identify areas where small changes can make a big difference.
Actionable Budget Plan
Leave each session with specific steps to take. No vague advice like "spend less." Instead, you'll get exact amounts to allocate to each category and strategies to stick to them.
Digital Tools Setup
We'll help you set up budgeting apps or spreadsheets that match your style. Some clients prefer automated tracking, others like manual entry. We find what works for you.
Emergency Planning
Building an emergency fund feels impossible when money's already tight. We'll show you how to start small and gradually build up your safety net without sacrificing other goals.
Meet Your Budget Strategist
Caspian Thorne has been working with UK families on budget planning since 2018. He understands the unique challenges of managing money in today's economy — from rising housing costs to the temptation of easy online spending.
- Chartered Institute for Securities & Investment (CISI) certified
- Helped over 340 clients improve their financial stability
- Specializes in debt reduction and emergency fund building
- Regular contributor to Money Saving Expert forums
- Based in Bradford, serves clients across Yorkshire and beyond
"I've seen people transform their relationship with money in just a few months. It's not about restricting yourself — it's about making intentional choices that align with what you actually value."
Real Changes, Real Results
Kestra Hayworth came to us in early 2024 feeling overwhelmed by credit card debt and unable to save anything each month. Six months later, she'd paid off £4,200 in debt and built a £800 emergency fund. The key wasn't earning more money — it was redirecting what she already had.
"I thought I needed to cut out everything fun to get my finances on track. Instead, Caspian showed me how to budget for the things I enjoy while still hitting my savings goals. It completely changed my perspective."
Start Your Budget StrategySuccess Stories from Real Clients
The Subscription Audit
Marcus discovered he was paying for 11 different subscriptions he'd forgotten about. Canceling just seven of them freed up £89 per month — enough to start his emergency fund without changing anything else about his lifestyle.
House Deposit Reality Check
Sarah wanted to save £20,000 for a house deposit in two years while paying off student loans. We created a plan that prioritized high-interest debt first, then automatically saved the interest payments she was no longer making.
Small Business Budget
James runs a freelance design business but struggled with irregular income. We built a budget based on his lowest-earning months and created a system for saving surplus from good months to cover lean periods.
Debt Snowball Success
Linda had four different credit cards and felt paralyzed about where to start. Using the debt avalanche method, she focused on the highest-interest card first and paid off all four within 18 months.