Here is a letter we received from Sandy, who was supported by Future Pathways. He felt the service was there for him, and has now chosen to end his support. He wanted to share his experience of what support has meant to him.
Please note: this text mentions physical and mental abuse.

I was one of the first ones in the door at Future Pathways. I recall meeting the team, and I had been given Garry as my Support Coordinator. I remember getting a cup of tea with both Garry and Flora. Because of the mental and physical brutality I was exposed to in the secure units, I had developed an underlying diagnosis of severe Complex PTSD. Thanks to Garry and Future Pathways I was able to access counselling to discuss this and come to terms with it.

I felt that the phone was always on when I needed the service, they were always just a call away.

A man in a boat on a lake with cliffs in the background.

As each year progressed, I felt I was getting better and better, the support from Future Pathways helped me in so many various ways. It helped me trust institutions again which I would never have thought possible due to my past.

Now I have reached a point with my Support Coordinator here today, I feel it is now the time to break away from the service. I want to thank you all for the support through a number of challenges, from my physical health decline to help accessing counselling and other supports for my mental wellbeing.

I can’t believe how much I have moved on from being an angry person to the polar opposite. I now feel like each day I am becoming more and more positive. My Spina Bifida could very well be the result of the physical beatings I received in my youth – but again Future Pathways got me in touch with a clinic in Edinburgh which helped with the diagnosis of this. As a result, this allowed for me to prepare and begin to manage my life accordingly.

I mean this with complete sincerity, I don’t think I would have been here now if it was not for Future Pathways. Now it is my time to move on and let someone else get the support which I have been so thankful for.

All the best,

Sandy Sutherland

Roberto shares his photographs with us. Here are his outdoor trips to great locations.

Future Pathways supported Roberto in his goal to have more time out of his busy life. He had thought about his needs and knew that he had a passion for time outdoors. He was keen to make sure he could still go biking and camping in the winter months. This freedom would help his mental health.

But, he knew he did not have the right equipment. So, Future Pathways supported Roberto to get a new tent. This means he can now take time out anytime during the year, even if it is cold. This has helped to boost Roberto’s mental health.

Roberto completes his trips with a good friend. This gives him time to talk with someone who understands him and it allows their friendship to grow. They especially like visiting Orrin Dam and Lochan Fada.

A man on a bike facing away from the viewer. He is looking out over a loch and mountains.

Above: Lochin Fada

Above: Orrin Dam

A man stands with a bike and tent at night time at Loch Vaich.

Above: Loch Vaich

A stone house with a tent outside and a snowy mountain in the background at Loch Vaich.

Above: Loch Vaich

Trevor, one of the people we support, would like to share his book with you. It is called ‘Knocking on the Wall’.

Future Pathways supported Trevor to write his book in 2019. In the book, Trevor describes the different times of his life. He writes about the time with his family and also his life after leaving care. The book includes his time as a child in care homes.

Trevor wanted to share his own record of his time in care. And he wanted to explain the impact it had on his life. Trevor talks in his book about his experiences, thoughts and feelings.

It was important for Trevor to write his book. It gave him the chance to get his thoughts down on paper. He also wanted to make sure other people knew his story and he thought it might help them too.

The book includes some of Trevor’s poems. We have included two of them below.

If you would like a copy of Trevor’s book for free, he is happy to share it over email. You can ask for a copy by emailing Trevor at t.swistchew65@gmail.com or by emailing Future Pathways at engagement@future-pathways.co.uk.

Please note that the book does mention some instances of abuse.

LISTEN

Listen –

When it is dark

The sun is shining

When it is light

The sun is shining –

Always.

FREEDOM?

It is not bars a prison makes

It is what is in your head.

For each constructs within the mind

Their walls and locks and chains.

If you can look just for a while

At the views that you believe

You will start to see it is yourself

Whom you yourself deceive.

Freedom in the true sense

Is the end of all self-illusion.

Walk in love – harm no one.

We have been working with Angus. He has a very interesting hobby. He takes photos using a drone. Then he changes the images so that they look like paintings. Here are four examples of Angus’s work, and a few words from him about how it is done.

“It all started because I wanted other people to come and film the cricket field near where I live in Canada. I found myself saying ‘somebody should’. Every time I find myself saying ‘somebody should’, then usually that is a signal to say, ‘you’ll have to do it yourself’. And then when lockdown happened, I thought, well, here is an opportunity to get a drone and learn to fly it. Future Pathways helped me to get some training and certification.

At first, I thought that if I could combine beautiful landscapes with classical music, it would make some spectacular videos. Because it is a very different perspective when you are 100ft up in the air. And then I started to create some still images by taking parts out of the drone videos.

Then, because I was interested in old travel posters, I learned how to remaster images and how to blow them up large. And then from that, I figured out how to transform pictures digitally.

So, by combining all these things, I managed to create a type of art which I was not originally able to do.

I love taking the drone on holiday with me too, particularly to France. Every three metres, there’s something extraordinary to film!”

A statue of a figure overlooking green fields and a blue hill with a blue and yellow sky. Notre Dame de Camarès in the Sud Aveyron, France.

Above: Notre Dame de Camarès in the Sud Aveyron, France

A village in green fields beside a river with a mountain behind it. Mont-Saint-Hilaire and the river Richelieu, Québec

Above: Mont-Saint-Hilaire and the river Richelieu, Québec

A village with green fields and a blue mountain in the background. Camarès, Le Balcon du Monde, France.

Above: Camarès, Le Balcon du Monde, France.

A brown hillside with green grass and green trees against a blue sky with white wispy clouds.  Le Rougier de Camarès, France

Above: Le Rougier de Camarès, France.

Angus has taken his love of art and vintage posters and created an online shop, shipping his prints all round the world. If you would like to have a look, the website is www.iwantitonmywall.com
At Future Pathways, we take a trauma-informed approach in our work with people. We know from feedback that people value this approach. 

People tell us it is important that they:

  • feel safe
  • can trust a service or provider
  • have choices about what support looks like
  • can work alongside a service
  • can influence their own support

So, we encourage services we work with to have a trauma-informed approach too.

Below, we give a short introduction to trauma and give a few pointers about things you can keep in mind when working with someone affected by trauma. 

If you would like to find out more, download our short guide to Trauma Informed Practice.
What is trauma?

Trauma is when a person experiences something as physically or emotionally harmful or life threatening. Trauma can come from an event, a series of events or an ongoing situation. Not everyone will be affected in the same way.

How might trauma affect people?

Trauma can have a lasting effect on people’s mental, physical and emotional wellbeing and can leave people with a sense that they are not safe in some situations or around some people.

Trauma can affect people in different ways at different times. It can also affect someone a long time after an incident has happened.

Trauma can cause people to feel distressed or fearful. Some people may find it harder to trust people or may struggle to manage emotions. For others, trauma can mean a person might find it harder to look after themselves or they may also live with disabilities or health conditions. Everyone experiences trauma differently.

Things to keep in mind:
  • It can be difficult or stressful to have a stranger in the home. The person you visit might choose to have a friend, relative or support worker there on the day to help them manage that stress. It is important that people know they are safe. You may know that you don’t pose a threat or risk to someone else but that person will not know this and may choose to keep a distance from you, maybe even asking the friend, relative or support worker to talk to you for them.
  • Some projects might require a group of people to come into the person’s home. The person you visit might prefer to know how many people they can expect and who they are. Where possible, keeping the number of people in the group as low as possible can help the person feel safe in their home. It is helpful to be clear about who will be there and when they will be there.
  • If you arrange to meet someone on a certain day or time, you should try to keep the appointment. This also means not arriving late or early. It can be difficult for people to let a new person into their personal space, so being consistent is important. If you can’t make it, give the person as much notice as possible. If you’re unable to give advance notice, please do make a courtesy call on the day you were due to meet (as limited or no communication could cause considerable distress).
  • It is important to respect people’s privacy. This means not talking about the details of work you have completed or are completing for Future Pathways clients to anyone who is not involved in the work. Keeping this information confidential builds trust with people.
  • It is important that people feel safe enough to make choices that are right for them. Make sure that when the person makes decisions, these are respected.
  • Allowing additional time for someone to make a decision can be helpful as decision making can be difficult for some people.
  • Boundaries and predictability are important for everyone but even more so for people who have experienced trauma. Please do not discuss your past experiences with the person. It is also important that the relationship is kept professional and that you don’t attempt to make contact with the person other than about issues related to the job.
First Psychology
Professor Ewan Gillon is Clinical Director of First Psychology. Formed in 2009, First Psychology now offers many different psychology and counselling services, for a wide range of clients. It operates from 13 consulting venues across Scotland and northern England, with nearly 50 rooms and 150 practitioners.  
 
How did First Psychology begin? 
 

It evolved from my own counselling and therapy practice, which I started around 2001. The ethos behind it was very much to offer a service that was very client-centred, and able to understand the needs of people in different situations in their lives. I was very keen for it to be very transparent, to provide lots of information, and to not be too diagnostic and or expert-led.  

A man looks into the camera and smiles.
“I wanted to allow each client to find what they need, so that I could offer them different types of therapies and different approaches.”

Initially I worked a lot with men trying to encourage men to consider therapy and to engage more with their mental health. That grew and evolved to eventually become First Psychology, with the same kind of ethos, philosophy and approach. It was initially based in Edinburgh; since then, we’ve expanded throughout Scotland, and are now moving into northern England. 

We still very much focus on working with clients and trying to find the best things for clients. Our philosophy is what we call pluralistic’: that means we’ve got different types of practitioners in our organisation. We’re very much a therapy organisationpeople from counselling and psychotherapy backgrounds, people from cognitive behavioural therapy and other specialist types of therapy, and also some psychologists. And what we try and do is find the right clinician for every client. We’ve got a services team who help our clients to find what they need.  

We’re a fairly broad group of people now: we have around 150 clinicians working across our organisation. We try to take advantage of that by having lots of training inhouse. We’ve got a lot of professional and clinical leadership inhouse, in areas such as children and families, couples, and trauma. 

How do you work out what type of therapy is going to be right for each person?  

We start by speaking to the person themselves, or to someone who knows them well. People want different things. Some people want to talk about their experiences, and just have a place to feel heard, and to be valued and validated. Others are looking for techniques and strategies to help them manage particular difficult experiences they might have. So, we talk to the person themselves, and they are the decisionmaker 

Then we can say, ‘These are the people we have available who do the kind of things that you are looking for’, and we might suggest that the person meets with a particular clinician. In that initial session the clinician can figure out whether what they do and how they work is going to be helpful for the client. 

The client gets a chance to decide whether they like the person, and whether they feel that they can talk to them and they’re going to meet their needs.”

It’s very much a discussion about the next steps, rather than starting anything. You might establish what that particular clinician can offer, and agree a plan or a process of therapy. 

If it doesn’t work in that first sessionfor example, if the clinician feels that a different approach might be better, or that the client needs something other than therapy – then we help the client find that other thing themselves. We might advise the client, ‘This is where I think you should go, or we might refer them to someone else at First Psychology.

Is that approachof having lots of different types of services availablequite unusual?  

Yes, it is. What you tend to find is that a lot of services are either clinicianled or theory-led. Either the clinician has got a particular interest, or there’s a particular philosophy that the people who run the service believe in, and that’s basically what you get. Whereas, we think that clients themselves should be making decisions about what they need, in discussion with clinicians.  

It’s not the client simply sayingI want that and getting it. If someone wants something that we think is not actually going to be helpful to that person, or it’s not something that we feel can offer, we’d have a conversation 

So certainly we’re quite unusual. I think that’s why we’ve grown over the years: we’ve innovated and changed in response to demands from people. 

You said that earlier in your career you were focused on getting men into therapy. Do you think that there’s still some stigma about that, or find that a lot of people – not just men – are resistant to the idea?  

Yes, I think that’s absolutely the case. And I think that there are different types of experiences people have, and different reasons why they might feel apprehensive or unsure about whether therapy is something they want to pursue. Obviously, people may have had bad experiences with authority in the past, and they might in some ways imagine that therapy involves authority.  

“There may be some stigma around speaking to people about your problems: people feeling that they may be judged, or that other people might see them as not being able to cope, or something like that.”

And, to be honest, there are just natural anxieties about entering into something like therapy, which may feel very unknown and very uncertain because it’s not something you do every day. So, it’s naturally an activity that is going to be hard for people to start. It’s not an easy thing to do. 

How do you try to address these sorts of obstacles? 

Over the years we’ve tried different ways of being as open as we can to different types of experiences that people have had, and really thinking through what it is like for someone coming for therapy. In our service team we have an ‘every contact counts philosophy. So, if someone phones up but they don’t book a session, we see that as a good thing, not a bad thing. We want to help. And if someone says, ‘Look, I just want information, that’s fine. We’re not trying to force anyone to do anything, because we want to help people begin in their own minds to break down the barriers.  

Not everyone will come to therapy, not everyone is going to be helped by therapy. I mean, it’s a process that I think generally can be pretty helpful, but there may be other things that are equally helpful to someone in a particular set of circumstances. So, again, it comes back to this philosophy of being very clientcentred, and wanting to help people find what they need for themselves.  

“It’s about understanding that coming for therapy is difficult.”

So we provide information and support, we answer questions, we’re very open and transparent, we offer sessions at different times in the day in different locations, we offer telephone and remote sessions… all of these things making it as possible as it can be for different people to access the service in the way that works for them. 

In many ways your philosophy, values and approach are all similar to those of Future Pathways. 

Yes, I think so. I think we share a real emphasis on clientcenteredness in our way of working.  

Obviously, one difference is that First Psychology is a business. We’re independent: we function and we make our living from doing therapy, which is a good thing because it enables us to do it in the way that we really believe in, rather than being beholden to other organisations and so on. The downside, of course, is that we have to charge, and that’s something that we try our best to manage  

But, I certainly think, having worked with Future Pathways, that there is a lot of overlap in the way that we work. Ultimately, I think we’ve both got the same thing at heart, which is that it matters to us that people are helped and given the support that they themselves feel is helpful to them, rather than imposing something on them. 

“For people who have had difficult experiences in their lives, having power and control and feeling that they are valued and listened to is of immense importance.”

And that is absolutely how we would see every single client who comes through our door.  

We’d like to develop our relationship with Future Pathways, and we can see the opportunity for that. And obviously, as we get to know each other better, we’re really responsive and open to any feedback and support that we get from Future Pathways and the people they support. It’s a relationship that’s growing, and that I hope will continue to grow. 

Our registration line runs through the year. You can phone us for free on 0808 164 2005. Our lines are open Monday to Friday, 10am to 4pm.
Sometimes, we close the registration line at key dates during the year, for example holidays. The Registration Line will be closed on the following dates in 2024:
  • Friday 29 March – Friday 5 April inclusive (1 week 1 day)

The line will close at 4pm on Thursday 28 March and reopen at 10am on Monday 8 April.  

  • Monday 8 July – Friday 12 July inclusive (1 week)

The line will close at 4pm on Friday 5 July and reopen on Monday 15 July.  

  • Monday 14 October – Friday 18 October inclusive (1 week)

The line will close at 4pm on Friday 11 October and reopen on Monday 21 October.  

  • Monday 23 December to Friday 3 January inclusive (2 weeks)

The line will close at 4pm on Friday 20 December 2024 and reopen on Monday 6 January 2025. 

If you are finding things hard, you can contact one of the following services:
The Samaritans

The Samaritans offer a safe place for you to talk any time you like. You can talk in your own way about whatever is going on. They have a helpline, email service, letter service and a self-help app.

Helpline open 24 hours a day, 365 days a year.
Phone for free on 116123 

www.samaritans.org

Breathing Space

Breathing Space is a free and confidential phone service for anyone in Scotland over the age of 16 who is feeling low, depressed or anxious.

Open 6pm to 2am Monday to Thursday, and 6pm to 6am Friday to Sunday.
Phone for free on 0800 83 85 87 

www.breathingspace.scot

Shout

Shout is a free, confidential, text messaging support service for anyone who is finding it difficult to cope.

Text SHOUT to 85258

giveusashout.org

John heard about Future Pathways through a community service that his GP referred him to. John had experienced ebbs and flows in his circumstances, career, and health throughout his life. He had previously accessed other services, but he did not feel they were able to make a real difference in his life.  

It took time for John to feel ready to seek support, and he had to wait many months for support to start. Although John understood why the waiting list was necessary, it was difficult to be on hold. 

Since starting to access support from his Support Coordinator, Future Pathways has felt different to the other services John has accessed in the past. 

“They were able to do what they said they would do. Future Pathways has the resources, time, and relationships with other services to actually make a tangible difference.

For example, when John spoke with his Support Coordinator about his difficulty with sleeping, his Support Coordinator helped him explore why this was and supported him to purchase a new bed. 

“It might seem small, but Future Pathways let me choose and order it. At first, I selected the cheapest option possible. But my Support Coordinator explained that we could get something better, something that would meet my needs. I feel the difference every time I go to bed.” 

When John was struggling to pay energy bills, Future Pathways linked him up with a charity which helped him apply for a grant to alleviate this pressure

“It was huge. Future Pathways have been able to help with things I never thought they could help with. A lot of other services I have worked with could only listen. Nobody was able to do something. Future Pathways really did make a tangible difference in my life. 

Future Pathways also enabled John to access ongoing support with his mental health. Now, John can speak to someone regularly about how he is coping and explore how he can take care of his mental health. Accessing mental health support has made a longterm difference to John’s life.  

“Before I accessed this support, I didn’t know why I couldn’t function. They helped me figure it out for myself. And I am still figuring it out. But now, I am on that journey. 

Now, John feels he understands himself and his mental health better, and he has access to the support he needs to move forward in his life. John is more linked up with his GP and is starting to engage with the Scottish Child Abuse Inquiry. Accessing support through Future Pathways has helped John to learn more about himself, prioritise his mental health and make positive changes to his life.  

It really was lifechanging. It is night and day compared with what my life was like. Now, I have someone on my side. Future Pathways helped me turn my life around. I started caring about myself, because someone else was caring about me.”
We are excited to announce that Future Pathways will be hosting a live webinar about how we evaluate our service.

Created in collaboration with Matter of Focus, the webinar will take place on Zoom 12.30-1.30pm on Thursday 8 February 2024. 

The event is free and you can register to attend here.

This webinar is all about how we have worked in partnership with Matter of Focus to learn more about our impact and tell a story about the difference we make.

In this webinar we will share more about:

  • How we took a collaborative evaluation approach to developing our impact report.
  • How combining our own evaluation with independent input enhanced our evaluation.
  • How you can integrate self-evaluation into your approach to learning and improvement.

We have worked with Matter of Focus as a learning partner since 2018. Their approach and software help us evaluate our relational, trauma-informed approach, and consider how we make a difference within a complex and evolving context.

The webinar will be hosted by Dr Simon Bradstreet (Principal Evaluation Consultant, Matter of Focus), Flora Henderson (Alliance Manager, In Care Survivors Alliance) and Louise Hall (Impact and Evaluation Lead, Future Pathways).

Join us

Register for this webinar to find out more about how we have worked in partnership with Matter of Focus to understand our impact and tell a robust story about the difference we make. There will also be the opportunity to ask questions and a recording of the webinar will be shared with all those who register after the event.

Online, Zoom

12.30-1.30pm

Thursday 8 February 2023

Our partnership with Matter of Focus

At key stages in our journey, Matter of Focus helped us build our knowledge and understanding by acting as an independent learning partner. In 2023, Matter of Focus helped us review our evidence and learn more about people’s experience of the service through a series of discussions. This enabled us to develop our most recent impact report, Stepping Stones.

Growiser Financial Coaching
A white man with a shaved head stares straight into the camera and smiles with an open mouth, He is wearing a red t-shirt and there are trees in the background.
Graham Wells is a financial coach and the founder of GroWiser. He started his career in the ‘regulated advice’ part of the financial sector, but then moved away from the sale of financial products and into coaching. In that role he helps people to develop the beliefs and behaviours that will enable them to build a better financial future. 
In essence, what is financial coaching?  

It’s not somebody telling you what to do with your money.  

It’s all about behavioural change, and recognising emotions and thought patterns that don’t serve us well. The key thing is the concept of empowerment, and working in a way that’s nonjudgmental. I think that often when people seek support, they’re fearful that they will not be knowledgeable enough, or that they’ll come across as being stupid. But working with a financial coach is an absolutely nonjudgmental process. It’s about empowerment of the individual, not about bamboozling people with technical jargon or telling people what they’ve done wrong and what they should do differently in the future. 

How did you first get involved in financial services?

When I left school, aged 17, I had no idea what I wanted to do, so I got a job in the local bank until I decided what I wanted to do. I was still there 23 years later. During part of that time I trained as a financial advisor within the bank, including gaining the regulated Diploma in Financial Services, and I would advise customers on investments, pensions and insurance, that type of thing. 

This is going back more than 20 years ago now. The financial services industry was still really quite salesorientated. I stayed in that environment for about six years, and then realised, ‘There’s something just not suited to me here, there’s something not right about this. So I moved into training.  

I spent several years training financial advisors, and also learning about how people learn the widerpart of learning and developmentwhich I found really fascinating. Eventually I found myself in a supervisory role: I would accompany wealth managers when they went out to see clients. So that gave me exposure to a wide range of different types of advisor and different types of clients.

The combination of that experience as an advisor, a trainer and a supervisor really gave me a deep understanding of how limited the whole financial services sector is. What I mean by that is that less than 10% of the population have a financial advisor, and it tends to be only the wealthiest 10%. Also, it often creates a situation where clients become dependent on their advisor to tell them what to do and how to look after their money.  

I learned that while it can be good to give people knowledge, the other half of the battle is application of that knowledge and how people change their behaviours and their habits.  

And that’s what led me to think: ‘Wouldn’t it be nice if I could blend learning and development somehow with technical financial knowledge, to actually help people who need it the most?’ So about eight years ago I trained as a financial coach. At that time, to my knowledge, there was only one other financial coach in the whole of the UK, based down in Brighton. Since then it’s accelerated at quite some pace.  

“Working with a financial coach is an absolutely nonjudgmental process. It’s about empowerment of the individual.” 
What are the main things that financial coaching covers? 

I focus on both the daytoday practicalities of money and also the emotions that people have around their money, and the behaviours that that leads to.  

The practicalities of money might just be the basics, like setting up an emergency fund and budgeting, and working out what’s important. What things give you most satisfaction in return for the money you spend on them? This helps people to develop better financial habits. Or it could be helping people to understand their pensions, for example, or learning how to invest money for the first time 

So that’s all quite practical. The other side is behavioural. Sometimes the real work here is not even to do with money: it’s helping people to recognise how they build new habits and new mindsets. This can also touch on the emotions of money. A lot of our financial habits and behaviours stem right back to childhood. There’s one study that says most of our financial attitudes are formed by age seven, so sometimes there can be quite a lot to unpack for people there. They may have beliefs like – you’ve heard some of the famous phrases money is the root of all evil, or ‘money doesn’t grow on trees, or ‘money makes the world go round. These sort of belief patterns do not always serve people in the best way. 

What inspires people to look for financial coaching? 

More and more people are beginning to search for this type of help. Some clients that come directly to me havent heard of the term financial coaching, but they’re typing similar things into Google and finding me that way. The starting point is that they’re recognising that their financial behaviours are not serving them well.  

Other people that get in touch with me are working with a financial advisor but something doesn’t feel quite right about it. They want to feel more empowered and more in control, or they maybe feel that they’re paying an awful lot in fees and they’re not quite sure what the value is that they’re getting from that.  

I learned that while it can be good to give people knowledge, the other half of the battle is application of that knowledge and how people change their behaviours and their habits. 
What sorts of things do you usually help those people with? 

The key point there really is recognising that the coaching element is all about empowering individuals, and it’s very much forward looking. (I guess that fits well with the name ‘Future Pathways, doesn’t it?) The way in which I work is not about telling people what to do or advising them. So it lends itself well to the ethos of other partners that work with Future Pathways. We have a very supportive, empowering way of working but importantlyit’s not therapy. It’s not looking backwards and trying to fix problems from the past. It’s very much about looking to the future, and I think that way of working resonated for certain people Future Pathways are working with. 

A large part of it can actually just be daytoday money management. To be honest, that’s probably something that most of the population would benefit from. It’s about understanding daytoday budgeting. Most of the work happens outside of the sessions. I give people homework tasks, like listing their various sources of income and also listing where the money goes. That can be a real eye opener. Some people find that they actually had no idea how much they had coming in or going out.  

And that exercise alone can be so illuminating: it’s enough to raise awareness and change behaviours, to make people feel motivated to improve things 

An awful lot of people that have built up pension benefits over the years are unaware of this – they just don’t know that it’s there. So that can be quite a source of reassurance just to know that something is there. For others it can be thinking about more effective ways to repay debt, and for others it can be just exploring a little bit more about where their thoughts and feelings come from around money, particularly if they are in the process for the Redress Scheme. The thought of receiving a large lump sum of money that they’re not used to can be really upsetting. So reassurance around how they might approach that decision making process.  

There must be real emotional benefits for people after they’ve got more in control of their finances? 

Absolutely, and I know this from personal experience. Even though I worked in the bank, nobody there taught me how to look after my money, so I was perpetually in debt right through my twenties. And the feeling of relief after finding a way out of that was quite remarkable. So imagine people in that position through their twenties, thirties and forties, and even into their fiftiesthe sense of relief and finding a way out of that is tremendous. 

Graham’s 5-step approach for financial wellness 
Savour your spending.

Be intentional with how you spend your time and money. Spend in line with your values and don’t forget your future self. 

Protect the people around you.

Prepare for the unexpected and build peace of mind for you and your loved ones. 

Eliminate your debt.

Find the most effective strategy for using and repaying debt. Know the difference between ‘good’ and ‘bad debt.

Nurture your wealth.

Realise that to be ‘wealthy’ is different to being ‘rich’ and includes looking after your whole life, not just your money. 

Design your future.

Be intentional and create a plan for how you’d like to spend your time as you get older. Don’t leave it to others to define your life path. 

Check out our other Meet the Partner interviews:
Centred

Working across the Highlands, Centred support people with their mental health, in their own homes and in the Recovery Centre in Inverness. Read more here.

Dan Ross

Discover how Dan Ross helps people to reframe their thinking and find new perspectives on challenges. Read more here.

Sarah Smith at Lightbulb

We chat to Sarah Smith, founder of lightbulb.coach, to discover more about how she helps people to build their confidence and self esteem. Read more here.

Cellfeld

Cellfield help people people to improve their reading skills and are one of our support providers. Read more here.

Book Whisperers

Find out more about The Book Whisperers, a community of people that helps writers of all kinds to self-publish their work. Read more here.