Black Country Money Matters CIC

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Black Country Money Matters CIC

Money Mindset, Money Management and Financial Well-Being for the Black Country, West Midlands.

26/08/2026

People rarely want the thing they ask for...

When a female founder tells me she wants a "better bookkeeping system" or "new cash flow software," I know she isn't actually looking for software.

What she really wants is to wake up on Monday morning without a knot in her stomach.

She wants to know that her personal mortgage is safe, that HMRC is taken care of, and that she can look her family in the eye and say: "My business is thriving, and I am paying myself properly."

It’s never about the spreadsheet; it’s about the emotional safety, confidence, and freedom beneath it.

19/08/2026

Success doesn't always look the way social media tells you it should...

Online business culture is obsessed with celebrating "6-figure launches" and "multi-100k turnover."

But as an accountant, I can tell you a secret: Turnover is vanity; profit is sanity; cash flow is peace of mind.

A business turning over £200k with high stress, zero cash reserves, and an unpaid owner is not a success.

A business generating £80k that pays its owner a guaranteed, comfortable salary, covers its tax effortlessly, and allows for 6 weeks of holiday a year is a thriving, lifestyle-first asset.

Let’s stop celebrating busyness and start honouring true financial peace.

12/08/2026

Everything changed the day I realised...

During my years as a Corporate Management Accountant, I believed that financial success was purely about spreadsheets, algorithms, and tax compliance. I thought if the math worked, the person behind the business would naturally feel secure.

Then I began coaching female leaders and saw a recurring pattern: brilliant women generating fantastic revenue who were still paralysed by the fear of failure and tax-bill dread.

That was my turning point.

I realised you cannot fix a money mindset problem with a spreadsheet alone.

True financial independence requires bridging practical accounting mechanics with deep mindset transformation.

When I combined accountancy with NLP and TimeLine Therapy, my clients stopped surviving and started thriving.

05/08/2026

The biggest thing keeping people stuck isn't what they think...

When your business turnover hits £50k, £100k, or more, it is natural to assume that financial anxiety will vanish. But if every pound lands in one main bank account, higher revenue simply leads to bigger tax surprises and higher-level panic.

As a Management Accountant and Mindset Coach, I can tell you that your thoughts drive your emotions, your emotions drive your actions, and your actions create your bank balance. Belief → Thought → Emotion → Action → Result.

When you shift your internal money story and separate your cash into clear, automated pots (Tax, Operations, CEO Salary, Profit), the background noise stops.

Stress is rarely a math problem. It is a mindset and systems problem.

You cannot out-hustle a shaky foundation.

04/08/2026

If you answered 'Yes', please know there is zero shame here.

It just means your business has outgrown its current structure.

Real peace comes from giving your revenue steady boundaries.

What was the moment you realised that earning more wasn't automatically bringing you peace of mind?

31/07/2026

Where are you investing your money in your business?

My image had changed a lot on the last 18 months, long, dark blonde hair to short blue hair.

I needed some updated photos, so I spent the morning with Simon & got some great & fun pics at Banktock Park in Wolverhampton.

More & more people are interested in the person behind the business, so showing yourself off to your audience is a must!

I knew I needed to invest to make this more relevant to who I am & how I look right now.

You will see them popping up on my socials soon!

What was the last thing you invested in, was it a want or a need?

19/07/2026

Hair cut & colour long overdue!

What do you think?

17/07/2026

Stop playing guessing games with your Start Up Finances.

Most founders commit "accidental business su***de" right at birth by copying their cheapest competitor's prices, hoping there’s profit left over at the end of the month.

Profit is just an accounting metric on a piece of paper. Cash in the bank is reality.

If you’re ready to move from financial anxiety to absolute clarity, join me for a value-packed, 1-hour workshop designed specifically for early-stage business owners.

In just 60 minutes, you’ll learn how to:

- Price for Profit: Stop guessing and start pricing sustainably.

- Master Cash Flow: Calculate your true business runway so you never run out of oxygen.

- Demystify VAT: Understand the rolling 12-month threshold rule before it catches you by surprise.

- Cure the "January Panic": Implement a stress-free system to prepare for your Self-Assessment.

No dry textbook lectures. No confusing jargon.

Just actionable steps and a downloadable financial blueprint checklist to take home.

Date: 27th July
Time: 7pm
Location: Online (Google Meet)

I've partnered with GoodHub for tickets to so I am able to get Gift Aid.

All ticket sales are donations to my CIC!

11/07/2026

What financial stress are you under right now?

I’m currently going through a remortgage process. I fixed my rate at 1.74% 5 years ago…

I was chatting with my broker this week, and the best rate I can get is 4.7%, which would double my monthly mortgage payments.

I am not stressed about this; I have been aware that my payments will go up because the interest rates are not the same as they were.

My husband and I have planned and prepared for this.

Cash flow planning is important in all areas of your life, not just in business.

What are you stressing about right now?

What's your plan?

If you feel like you need to talk to someone about your situation, please feel free to DM me, and I will support you in any way I can.

28/06/2026

TEDx Wolverhampton 2026 is over!

It’s been two years since I did my talk in 2024!

Yesterdays talks were so incredible, so many big ideas, so many big stories & vulrunability.

I shared in my talk my journey through believing my worth was directly linked to how much money I had.

I know I'm not the only one who has felt this way.

Working through the practicality of your business cashflow as a post VAT registration is the easy bit, the hard part is the behaviour shift that is needed around your money management.

VAT collected is not yours…

Find out more about my story in my TEDx!

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