• Hi, I'm Lorraine

    I have been a professional adviser for more than 20 years, first as a lawyer and then as a financial planner. When returning to work after a career break, I became more curious about how I could help people, but particularly women, like myself. People who had received no financial education growing up and had no good financial role models, to get better with money and enjoy a better life. Whether we like it or not money matters, it affects everything. I wondered how I could help people who on the face of it had good incomes and lifestyles but who felt guilty or ashamed that they were not doing more or achieving more with their money.

     

    I know what it is like to have issues with money, I grew up in a house where there was never enough, and money was a constant source of worry, stress and despair. Education was my way out to a better life but working hard and playing hard came at a cost. Money flowed in, but my husband and I were so busy working and raising our family, we did not have the time or energy to manage or plan what to do with it. Our relationship with money was reactive not proactive. The money was coming in and was going out again just as quickly. Different issues about money from what I experienced as a child, but the same results - stress, guilt and some difficult conversations.

     

    It was only when I gave money my attention and worked on my money mindset and goals as well as money management that my relationship with money changed. Being good at only one of these skills was not enough. Working on all 3 areas consistently helped me create a more solid financial foundation, took away stress and made life better.

     

    I realised that no matter what stage of life you are at or how much you earn, a combination of good money management skills, a good money mindset and clear goals are necessary to provide you with everything you need to create the life you want.

     

    I love coaching my clients who go on to transform many aspects of their life, not just their personal finances, as they feel financially empowered. I was delighted when a recent client said working with me was “the best money I've spent on any professional by some distance." Let me do the same for you.

  • Book a Discovery Call

    You can book a free 20 minutes Discovery Call with me to discuss your initial money concerns.

  • K from Devon

    "I had financial coaching from Lorraine at a time when I was making a very big career transition, moving from a regular salaried income to a portfolio career. I have never been particularly good with money and had accrued some credit card debt and some bad habits. But I knew I needed to change as I moved to my new career. Lorraine helped me get on top of my finances (both personal and business); she helped me look at the cashflow for my business and my longer term goals. It has been absolutely transformational and easily the best money I have ever spent. Within 6 months, I've cleared my debts, am building my savings and have a completely different mindset. It's helped me with my negotiation with my business and set me up for the future. I can't thank Lorraine enough for her steady support, great ideas and her whizzery with spreadsheets!"

     

    Louise from London

    "Have just been going through some of your earlier emails and revisiting the advice. Wanted to thank you for the detail, time and thought you put into each one. I unexpectedly found myself out of contract from June to October which was a financial wake up call. So, following your advice, I have now uploaded my details onto EMMA and completed the Habitudes survey to understand my spending habits. Just wanted to say thanks for being so thorough. I really appreciated it then and even more so now.

    James

    "Great to talk. This is the best money I’ve spent on any professional by some distance, I can already see that. You’ve set me into action completely, I’m updating our action Trello board with tasks, we’ve opened a Starling account and we spent the evening discussing this. Huge thanks for setting out these actions, incredibly helpful. Look forward to the next one."

    Julia

    "Money coaching was something I had recognised I needed badly quite some time ago but had kept putting off in true ostrich fashion until I finally realised how much better it could ultimately make me feel. Lorraine was an absolute pleasure to work with - a winning combination of skill at explaining things and gently but firmly helping me set achievable goals. By getting me to take very doable baby steps towards understanding and changing my money mindset and then progressing onto an easy scheme for management of my finances, I got to feel in control of all things money related for probably the first time ever - and that’s a truly great feeling!"

    Reema

    "Lorraine is a very thoughtful and insightful financial coach. She went above and beyond what I was expecting and approached my goals by first understanding my ‘money personality’ before getting to the numbers. Her advice has been invaluable in allaying a lot of my money worries. Lorraine has a flexible and personable approach which I personally find as one of her best qualities as it makes it easy and comfortable to have detailed discussions with her to gain clarity around financial matters. Thanks Lorraine !"

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    Privacy Policy
     
    Last updated: 16th June 2020
     
    Money Matters Financial Coching,  (“the Company”, “us”, “we”, or “our”), operates the website www.moneymattersfinancialcoaching.co.uk.  We may change or add to this privacy notice, so we encourage you to come back and read it periodically.  Money Matters Financial Coaching is the data controller that resides in Treetops, Waverley Avenue, Fleet.
     
    This privacy notice governs the website Money Matters Financial Coaching informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.  Your privacy is very important to us.
     
    We use your data to provide and improve our site. By using the site, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from Link
     
    DATA WE COLLECT
    While using our site, we may ask you to provide us with certain personal data that can be used to contact or identify you (“Personal Data”). Personal Data may include, but is not limited to:
    ·         Email address
    ·         First name and last name
    ·         Phone number
    ·         Address, State, Province, ZIP/Postal code, City
    For clients who work with the company, we may also collect further, voluntary information to enable us to provide our service in an optimized manner. Some data collected from clients may include:
    ·         Sensitive Information
    ·         Goals and Aspirations
    ·         Business Details
    ·         Health Related Information
     
    Information Collected Automatically
    Like many websites, we and our service providers, such as Facebook, use cookies, web beacons and other technologies to receive and store certain types of information when you interact with us through your computer or mobile device.  Using these technologies helps us recognize you, customize your experience and make relevant marketing messages.  Here are some of the types of information we collect:
     
    ·         Log & Device data. When you visit our site, we may automatically record information (“log data”), including information that your browser sends whenever you visit our site. This log data may include your web address you came from or are going to, your device model, operating system, browser type, unique device identifier, IP address, mobile network carrier, and time zone or location.
     
    ·         Cookie data. We may use “cookies” (a small text file sent by your computer each time you visit our site) or similar technologies to record log data. When we use cookies, we may use “session” cookies (that last until you close your browser) or “persistent” cookies (that last until you or your browser delete them). To help us make e-mails more useful and interesting, we often receive a confirmation when you open e-mail from us if your computer supports such capabilities. You can opt out of receiving emails from us.  Please see the Your Choices section below. 
     
    HOW WE USE YOUR INFORMATION
     
    We may use information that we collect about you to:
     
    ·         Provide our Products and Services. We will use your information to provide our products and services to you.
     
    ·         Understand and improve our products. We will perform research and analysis about your use of, or interest in, our products, services, or content, or products, services or content offered by others. We do this to help make our products better and to develop new products.
     
     
    ·         Communicate with you. We may send you emails about new product features or other news about us or on topics we think would be relevant to you. You may opt out of these at any time.  Visit the Your Choices section below.
    
    ·         Responding to your requests. We will also use your information to respond to your questions or comments.
    
    We may contact you to inform you about changes in our services, our service offering and other important service related notices such as changes to the privacy policy or about security or fraud notices.
    
    We may develop and display content and advertising tailored to your interests on our products and services on our site and on other sites;
    
    We also may use your information to manage our business or perform functions as otherwise described to you at the time of collection.
     
    Sharing and Disclosure
    We do not share your personal information with others except as indicated within this policy or when we inform you and give you an opportunity to opt out of having your personal information shared.
    
    We will share your information in the following ways
    .
    ·         With third party service providers, agents, or contractors.  We use other companies, agents or contractors (“Service Providers”) to perform services on our behalf or to assist us with providing services to you. For example, we may engage Service Providers to process credit card transactions or other payment methods.  Or, we may engage Service Providers to provide services such as marketing, advertising, communications, infrastructure and IT services, to provide customer service, to collect debts, and to analyse and enhance data (including data about users’ interactions with our service). These Service Providers may have access to your personal or other information in order to provide these functions. In addition, some of the information we request may be collected by third party providers on our behalf. We do not authorize them to use or disclose your personal information except in connection with providing their services.
    
    Analytics: Specifically for analytics providers, we use Google Analytics Google Analytics which is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
    
    You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: http://www.google.com/intl/en/policies/privacy/  Google also recommends installing the Google Analytics Opt-out Browser Add-on – https://tools.google.com/dlpage/gaoptout – for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.
     
    Advertising:
    We may use third-party Service Providers to show advertisements, which may include targeted advertisements on a third party site after you have visited our website.  We and the third party service providers use cookies to inform, optimize, measure performance serve ads based on your previous visits to our site. 
    
    Please note at this time, we do not recognize automated browser signals regarding tracking mechanisms, which may include “do not track” instructions.
    
    We work with Google AdSense & DoubleClick Cookie Google, as a third party vendor, uses cookies to serve ads on our site. Google’s use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Service or other websites on the Internet. You may opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the Google Ads Settings web page: http://www.google.com/ads/preferences/
     
    Facebook: You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950
    To opt-out from Facebook’s interest-based ads follow these instructions from Facebook: https://www.facebook.com/help/568137493302217
    To see more about Facebook’s participation in the Digital Advertising Alliance please visit the Choices section of this notice. 
    For more information on the privacy practices of Facebook, please visit Facebook’s Data Policy: https://www.facebook.com/privacy/explanation
    
    Payment Providers: We may provide paid products and/or services within the site. When we do, we use third-party services for payment processing (e.g. payment processors).  We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their own privacy notice. The payment processors we work with adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.
     
    The payment processors we work with are:
    Stripe – Please view their privacy policy here
    Paypal – Please view their privacy policy here
    
    ·         To comply with legal process or to protect Money Matters Financial Coaching.  If we believe that disclosure is reasonably necessary to comply with a law, regulation, legal or governmental request; to enforce applicable terms of use, including investigation of potential violations thereof; to protect the safety, rights, or property of the public, any person, or Money Matters Financial Coaching as required by law; or to detect, prevent, or otherwise address, security or technical issues or illegal or suspected illegal activities (including fraud).
    
    ·         Business Transfers. 
    We may engage in a merger, acquisition, bankruptcy, dissolution, reorganization, or similar transaction or proceeding that involves the transfer of the information described in this Policy.  In such transitions, customer information is typically one of the business assets that is transferred or acquired by a third party. In the unlikely event that we or substantially all of our assets are acquired or enter a court proceeding, you acknowledge that such transfers may occur and that your personal information can continue to be used as set forth in this privacy policy.
     
    Links to Other Sites
     
    We may have links on our site to other sites that we do not operate.  If you click on a third party link, you will be taken directly to that site which is governed by its own privacy notice.  We strongly encourage you to read that privacy notice.  We do not control that site and assume no responsibility for the content, policies or its practices.
    
    Retention
     
    Money Matters Financial Coaching will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Notice. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
    Money Matters Financial Coaching will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.
     
    Choices and Individual Rights:
     
    We aim to take reasonable steps so you can correct, amend, delete or limit the use of your Personal Data.
    
    You have the following choices:
    
    ·         E-mail. As described above, if you do not wish to receive promotional e-mails from us, you may opt out at any time.  
    ·         Your browser’s help function should contain instructions on how to set your computer to accept all cookies, to notify you when a cookie is issued, or to not receive cookies at any time.
    
    ·         You can opt out of online targeted advertising by opting out within the advertisement itself or by visiting Digital Advertising Alliance, http://www.aboutads.info/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/.  You can also opt out of the Digital Advertising Alliance using your mobile device settings.
    
    Your rights under certain circumstances:
    To access and receive a copy of the Personal Data we hold about you.
    To rectify any Personal Data held about you that is inaccurate
    To request the deletion of Personal Data held about you
    You have the right to data portability for the information you have provided to us. You can request to obtain a copy of this information in a commonly used electronic format so that you can manage and move it.  We will need to verify your identity before being able to respond to such requests.  Please contact us at info@moneymattersfinancialcoaching.co.uk
     
    Security
    We believe we use reasonable administrative, logical, physical and managerial measures to safeguard your personal information against loss, theft and unauthorized access, use and modification. Unfortunately, no measures can be guaranteed to provide 100% security. Accordingly, we cannot guarantee the security of your information.
     
    Our policy on children’s information
    Our site is not directed to children under 16. If you learn that your minor child has provided us with personal information without your consent, please contact us.
     
    Changes to the Policy
    We may change this policy from time to time, and if we do make changes, we’ll post any changes on this page. If you continue to visit our site after those changes are in effect, you agree to the revised policy. If the changes are significant, we may provide more prominent notice or get your consent on the new policy.
     
    Contacting Us
    If you have any questions or comments about this policy, please contact us at info@moneymattersfinancialcoaching.co.uk
     
     
    Cookies Policy
     
    Last updated: 16th June 2020
     
    Money Matters Financial Coaching (“us”, “we”, or “our”) uses cookies on the Website www.moneymattersfinancialcoaching.co.uk (the “Service”). By using the Service, you consent to the use of cookies.
     
    Our Cookies Policy explains what cookies are, how we use cookies, how third-parties we may partner with may use cookies on the Service, your choices regarding cookies and further information about cookies.
     
    What are cookies
     
    Cookies are small pieces of text sent to your web browser by a website you visit. A cookie file is stored in your web browser and allows the Service or a third-party to recognize you and make your next visit easier and the Service more useful to you.
     
    Cookies can be “persistent” or “session” cookies. Persistent cookies remain on your personal computer or mobile device when you go offline, while session cookies are deleted as soon as you close your web browser.
     
    How Money matters Financial coaching uses cookies
     
    When you use and access the Service, we may place a number of cookies files in your web browser.
     
    We use cookies for the following purposes:
     
    ·         To enable certain functions of the Service
     
    ·         To provide analytics
    We use both session and persistent cookies on the Service and we use different types of cookies to run the Service:
     
    ·         Essential cookies. We may use cookies to remember information that changes the way the Service behaves or looks, such as a user’s language preference on the Service.
     
    ·         Analytics cookies. We may use analytics cookies to track information how the Service is used so that we can make improvements. We may also use analytics cookies to test new advertisements, pages, features or new functionality of the Service to see how our users react to them.
     
    Third-party cookies
     
    In addition to our own cookies, we may also use various third-parties cookies to report usage statistics of the Service, deliver advertisements on and through the Service, and so on.
     
    What are your choices regarding cookies
     
    If you’d like to delete cookies or instruct your web browser to delete or refuse cookies, please visit the help pages of your web browser.
     
    Please note, however, that if you delete cookies or refuse to accept them, you might not be able to use all of the features we offer, you may not be able to store your preferences, and some of our pages might not display properly.
     
    ·         For the Chrome web browser, please visit this page from Google: https://support.google.com/accounts/answer/32050
     
    ·         For the Internet Explorer web browser, please visit this page from Microsoft: http://support.microsoft.com/kb/278835
     
    ·         For the Firefox web browser, please visit this page from Mozilla: https://support.mozilla.org/en-US/kb/delete-cookies-remove-info-websites-stored
     
    ·         For the Safari web browser, please visit this page from Apple: https://support.apple.com/kb/PH21411?locale=en_US
     
    ·         For any other web browser, please visit your web browser’s official web pages.
     
    Where can you find more information about cookies
     
    You can learn more about cookies and the following third-party websites:
     
    ·         AllAboutCookies: http://www.allaboutcookies.org/
    ·         Network Advertising Initiative: http://www.networkadvertising.org/
     
    Disclaimer:
     
    This policy may be changed at any time at Money Matters Financial Coaching discretion. If we should update this policy, we will post the updates to this page on our Website.
     
    This policy was last updated: 16th June 2020
     
    If you have any questions or concerns regarding our privacy policy please direct them to info@moneymattersfinancialcoaching.co.uk You may also send a letter to:
    Treetops, Waverley Avenue, Fleet, GU51 4NW