What if your next £100 could change how you feel about money, for good?

Maybe you've tried to get on top of your finances before.

Set up the accounts.

Downloaded the app.

Promised yourself this time would be different.

But then life happened.

A school trip.

A surprise bill.

A few too many taps on the Zara app. And suddenly that sense of control slipped away… again.

Here’s the thing: you don’t need to overhaul your entire life to make progress.

Sometimes it just takes one intentional decision, like what to do with your next £100 — to start shifting things in a powerful way.

This post will show you how to stretch that £100 to cover the things that matter:

✨ Clarity

✨ Momentum

✨ Joy

✨ And a quiet sense of I've got this.

Let’s begin.

1. £20 for Clarity: Know What’s Actually Going On

If money always feels like it’s slipping through your fingers, chances are you’re guessing your way through it.

Spending £20 on something that brings clarity is one of the smartest moves you can make. It might be a simple digital plan, a resource that helps you set up your system, or something like The Calm Money Plan that makes everything feel doable.

Clarity doesn’t have to be complicated.It just has to feel like a breath of fresh air.

2. £30 for Progress: Save or Pay Off Something That Matters

This is where you start to feel the shift.

You could:

• Put £30 towards a holiday fund (yes, that dream trip counts)

• Overpay a bit of debt, just to say, “I’m doing this”

• Start a savings pot for something that feels exciting, not boring (the garden revamp, the new sofa, the dream kitchen)

  
  

It doesn’t have to be huge. It just has to be intentional.

3. £10 for Joy: Spend Something Just for You (Yes, Really)

Money isn’t just for bills and responsibility. You’re allowed to enjoy it.

So choose something small that lifts your mood:

• A coffee and walk in peace

• A book that’s been sitting in your wishlist

• A little treat for the kids or your home

  
  

It’s not “frivolous.” It’s fuel. And when you give yourself permission to enjoy money, you’ll start to build a much healthier relationship with it.

4. £40 for Everyday Flow: Keep Life Running Smoothly

This is your flex money, to make everyday life feel a little easier.

You might use it to:

• Top up groceries

• Create a small buffer so your account isn’t down £0

• Cover upcoming bits like school birthdays or uniforms

  
  

It’s the kind of spending that feels good, because it’s calm. It’s planned. And you’re in charge.

What This Really Teaches You…

It’s not just about the £100. It’s about starting to make purposeful decisions with your money. No guilt, no extremes.

This simple exercise helps you:

• Rebuild trust with yourself

• See what’s possible

• Feel excited instead of overwhelmed

  
  

It’s not magic. But it is powerful.

Ready to Keep the Momentum Going?

If this felt good, wait until you see what happens when you bring this level of intention into your finances every single month.

That’s exactly what The Calm Money Plan helps you do.

It’s a gentle system designed for real family life, helping you:

💛 Save for what matters

💛 Clear debt with a plan that feels doable

💛 Enjoy life now, without losing sight of your big dreams

If you’re ready to feel calm, confident, and in control, this is for you.

And yes, it’s just £17 with code FB20.

Start here → The Calm Money Plan