A very warm welcome to you!
I’m Cat Plummer, a certified financial empowerment coach on a one-woman mission to free you from money worry. Through my tried and tested 90-day coaching programme, I can help you change how you feel about your finances, break destructive habits and kickstart your journey to absolute financial empowerment.
My story
My own journey started when I (first!) got into debt. I left home at 17. I was young, hedonistic and spending frivolously without thinking about my future. By the age of 22 I’d accrued quite the collection of unpaid credit cards. Not good at all. I wanted to leave my job, go travelling and get back into full-time education to become a teacher, but before I could even think about doing any of this, I had to get out of debt.
I made a strict spendings and savings plan and, although it took time and a lot of self-restraint and discipline, I finally managed to clear the debt and save enough money to go travelling and start university.
In debt – again!
Fast forward a few years and I’d graduated from university and qualified as a teacher. Being a student is expensive business, and although I worked hard at my job throughout my studies, I came out the other side in debt yet again. This time though, I knew what I had to do.
With a new plan in place, my partner and I made the necessary changes to our lifestyle and scrimped and saved until we eventually cleared the debt. We didn’t stop there. With our new money mindset we managed to save up for our wedding, escape for an exotic honeymoon and buy our first home together in December 2016!
Inspiration to help others
Financial stress is a universal experience, but it’s also slightly different for everyone. For me it was trial and error. I muddled through and eventually changed my mindset, learned the tricks and developed the habits I needed to manage my money more effectively. What I wished I had at the time was a mentor. Not an independent financial advisor (known as an IFA) – I wasn’t interested in being sold any particular debt products, I just wanted someone who’d done it all before; someone who could understand me and my situation and guide me through those difficult times in a supportive but upfront way. I know now that it would have been a much quicker, easier journey if I had.
In 2017 I trained with the inimitable Simonne Gnessen of Wise Monkey Financial Coaching and proudly become a certified financial coach myself. This equipped me with the skills to:
- Coach people towards a healthier, happier relationship with money.
- Help people find practical solutions to their financial challenges.
- Provide tools and resources to help change people’s spending and saving behaviour.
Did you know I’m also a money blogger?
My beloved blog Penny Wise Life Rich is my way of sharing my experience and knowledge with the world – I absolutely love being part of our wonderful, supportive money blogging community, so please feel very welcome to check it out for free recipes, tips and ideas.
What next?
So there we have it! A little about my own money story. Please sign up to my newsletter to be one of the first to get new tips, news and resources. Otherwise, hit the button below if you want to share your own story or you have any questions. I’d love to hear from you!