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Can anyone help me with money? 3 ways to get help with your money right now.

Can anyone help me with money could be about day to day cash flow, mounting debt or no savings for life events.

Whatever is causing you to ask, can anyone help me with money? Needs to be addressed with a bit of planning and calmness.  

Panic breeds panic and can send you on a wild goose chase looking for risky ways to make more money quickly. Money worries can leave you vulnerable to people wanting to take your money but not helping you.

In this situation, you need a financial ally to help you navigate your financial worries and help guide you out of the dark.

Read on to hear 3 ways you can get help with money.

Can anyone help me with money?
Yes please help me!

I have no money and need help

The first person that can help you immediately is yourself.

Doing it yourself is not half as much fun as doing it with someone else, but it sounds like needs must.

The first thing you can do is acknowledge the problem, i.e. I have no money and want to do something about it.

1. Do it yourself

Figure out what is going on with your money

Where is it all going? Not where you think it is going but where it is actually going.

A straightforward but effective way to track your money is to use the Japanese method of Kakeibo.

Start budgeting

The Kakeibo method of budgeting is all about tracking what comes in and goes out.

The vital part here is that you take control of your finances by making conscious decisions over where you want your money to go—then seeing if you can do better next month.

The Kakeibo method has four main pillars

  1. How much money do you have?
  2. How much would you like to save?
  3. How much do you spend?
  4. How can you make things better?

Kakeibo budgeting separates your money into four distinct categories

  1. Expenses on living
  2. Culture and education
  3. Entertainment
  4. Others

You get to decide the ratio between categories, but you need to keep within your income or money.

You track this process with a couple of notebooks

  1. To track your income and plan your spending needs and wants.
  2. The other to track day to day expenses. And it means every penny spent.

Everything to do with earning and spending your money gets put in one or other of the books.

At the end of each month, you do your calculations in the first book to see how you got on. It’s not a pass or fail process. If you don’t manage to save anything one month, you look for ways to improve next month and so on. Each month you are getting better and better at managing your money.

If the above sounds a bit like hard work, then you can try a banking app. These apps, free and paid for, will track all your expenditure and tell you whats going on. Not as hands-on but better than hands-off.

Know your numbers

With an app or the Kakeibo method, you should now know where it is all going.

But do you know how much is coming in and from where?

  • Are you getting the right amount?
  • How much tax are you paying?
  • What other deductions are happening, and are they the right amount, i.e. pension?

What’s the difference between what you earn and what you spend?

Creating a gap between your income and expenditure can start the process of building savings. But it can only begin once you know what is going on.  

One way to reframe your money is to try and save first and then spend what’s left.

Do you have any debt?

Debt can be an incredible drain on your income if you carry a lot of debt, especially if it is costly.

Expensive debt is often associated with credit and store cards, car loans and payday loans. This is the type of debt; if not handled carefully can lead to serious problems.

  • How much is it in total?
  • What rates of interest are you paying
  • Are you paying the minimum needed, and could you pay more?

If you are in a debt crisis

There are a few good sources of help if you are in a debt crisis:

·       Step change

·       Money advice service

·       Christians against poverty

Can anyone help me with money
That's a load off my shoulders

2. Do it with someone else

Another option for you to get money help is with a money coach / financial coach.

This is where someone will work with you to understand the role of money in your life and how you can use it to achieve what you really want.

Money coaches work with you on:

The key to working with a financial coach is they can use all their skills to help you use all your skills to make money work for you.

The coaching process is a guided process providing education, insight and guidance about your options and the potential advantages and disadvantages of various actions.

Let’s face it; not many of us have had any training or education in money. Many of us just started earning it and spending it, and that was the induction over.

Now is a great time to have money achieve what you want it to for you to have a great life now and in the future.

A money coach is your financial ally helping you navigate the maze of life and money to achieve your goals.

A money coach will give you the skills and confidence to manage your own money and potentially help you create an income source from the things you love, are good at, have experience in, and someone will pay you for.

 This is creating the business of you, helping you create and build wealth for yourself.

3. Have someone do it for you

The third way you can get money is through a financial advisor.

This is where you more or less hand it over to someone else to do it all for you. Manage your money, invest your money and keep you on track.

A financial advisor is licensed to sell financial products that you may need—things like mortgages, insurances and some tax-efficient savings vehicles for high earners.

Generally, financial advisors are there to support those that already have significant wealth. A lot of financial advisors only really work with people who have at least £100k in assets.

They don’t generally work with people below this, as given the fees they need to charge, it doesn’t make it viable for them or you.

So a financial advisor is typically for people who already have significant wealth.

Who else could help me with money?

There are number of free sources of help with money, including

Can anyone help me with money?

Just be careful about where you get any “advice” from.

Poor sources of help with money may well include

  • Your mate down the pub (when you can go again) who is actually broke themselves.
  • Youtube day/crypto/dropshipping etc. traders
  • Anyone who is offering to make you rich with not much effort and overnight.

Summary: Can anyone help me with money?

If you have money worries and your anxiety is growing, there are a few places where you can get help with your money.

  1. Do it yourself – get control of your spending and start planning your money.
  2. Financial coachingfind a coach that can help guide you through managing and using your money to achieve what you want most.
  3. A financial advisor – able to help those who already have some wealth
  4. On the internet, free money services will give you more information about managing your money from day to day.

Anyway, those are my thoughts on can anyone help me with money. Let me know yours in the comments below.

Good luck out there.

Are you tired of living paycheque to paycheque? Never able to save? Sick of being in debt? Have no retirement savings?  

Are you confused about money and all the financial options out there? Feel like you will never be able to save enough for a house, career change or retirement?

Would you like to?

Let us help you make the most of your money now while building a financially free future.

Our financial coaching will give you the support, guidance, and accountability you need to succeed with money.

Start building your ideal life now because waiting will only make it more expensive and painful to achieve.

Plan, build and enjoy your money.

Taking you from crisis to financial happiness.

Contact us here for a free chat about Financial planning for 40 year olds and what options you might have for creating wealth in every area of your life.


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I need help managing my money: 12 t...
I need help managing my money: 12 tips on how to manage your money when you’re broke

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