See Your Finances Clearly

You'll receive a secure upload link after your introductory call. You can export statements as PDFs directly from your online banking, then upload them through the link. The whole process takes around ten minutes and nothing is sent over email.

Yes. Your statements are stored in a password-protected environment, accessed only by me, and deleted within 14 days of your session. I never share your data with third parties. Full details are in the Privacy Policy.

No. The Money Picture is a financial clarity service, not a regulated advice business. I help you understand your own financial picture clearly, using your real transaction data. I don't recommend specific products, manage investments, advise on pensions, or provide debt management guidance. If you need regulated advice, I can point you in the right direction after your session.

Not much. Before we start, you'll share three months of bank and credit card statements covering your main accounts. You don't need to organise them or categorise anything yourself. That's my job. It helps to have a rough sense of what you'd like clarity on, but even that isn't essential.

We meet on a video call. I share my screen and walk you through your personalised dashboard, which I'll have built from your data beforehand. We go through what's coming in, where it's going, and what the patterns look like. There's plenty of time for questions throughout. You'll leave with a copy of the dashboard to keep.

From the point you share your statements, I typically need around five to seven working days to complete the analysis. We then arrange the session at a time that suits you. Start to finish, most people go from first contact to completed session within two weeks.

It's a personalised document built from your actual data. It shows your income, your spending broken down by category, your fixed versus flexible costs, and a clear view of what's left. It's designed to be easy to read and update yourself going forward. It's yours to keep after the session.

That's absolutely fine and very common. Send statements for all the accounts you'd like included. The more complete the picture, the more useful the analysis.

That's entirely up to you. You'll leave with your dashboard and a clear understanding of your situation. Some people use it as a starting point for making changes themselves. Others use it as a basis for conversations with a financial adviser or mortgage broker. There's no follow-up obligation and no ongoing commitment.

This service works well for self-employed people. Irregular income is something we'll factor into the analysis, and understanding your spending picture is arguably more important when your income fluctuates. Just mention this when you get in touch and I'll factor it in from the start.

Yes. If your finances are shared or partially shared, your partner is welcome to join the session. Just let me know when you book so I can factor that into the analysis.

That's one of the most common things people tell me, and it's exactly why this service exists. I've seen a lot of financial data. The goal isn't to assess how well you've done. It's to give you a clear picture so you can move forward with more confidence. There's no lecture, no judgement, and no comparison to anyone else.

Not as a standard part of the service. The session is designed to give you everything you need in one go. If you'd find a follow-up useful, get in touch and we can discuss what that would look like.

If you cancel before I begin the analysis, a full refund is available. Once analysis has started, a partial refund may be offered at my discretion. Full details are in the Terms of Service.

Payment details are shared after your introductory call. I currently accept bank transfer. Once payment is confirmed, I'll send you the secure upload link to share your statements and we'll agree a date for your session.