Welcome to LD Coaching and Consultancy Limited

Calm, practical money support from lived experience. A safe, non-judgemental space to reduce money stress, build confidence, and feel clearer about your financial future.
Whether retirement feels far away or close, you’ll gain clarity, control, and peace of mind about your financial future.
For many people, money and retirement worries are closely connected. You may be asking:
✔ Will I ever be able to retire?
✔ What if I’m still paying off debt?
✔ Have I left it too late?
These are real, valid concerns. Together, we look at both your current reality and your future goals, helping you make choices that support both stability now and confidence later.


If money feels heavy, confusing, or constantly on your mind, you’re not failing, you’re human.
Whether you’re dealing with debt, struggling to stay afloat, or quietly worrying about retirement, you don’t have to work this out alone.
I support people to move from money stress to financial clarity, using practical money management, thoughtful
If money feels heavy, confusing, or constantly on your mind, you’re not failing, you’re human.
Whether you’re dealing with debt, struggling to stay afloat, or quietly worrying about retirement, you don’t have to work this out alone.
I support people to move from money stress to financial clarity, using practical money management, thoughtful retirement planning, and lived experience of clearing debt and retiring early.

This isn’t generic financial advice or quick fixes.
I’ve lived through financial difficulty myself. I know the stress, the avoidance, and the fear that the future might never feel secure. I also know what it takes to change that, step by step.
My work combines:
✔ Clear, practical money management
✔ Calm, realistic support with debt
✔ Retiremen
This isn’t generic financial advice or quick fixes.
I’ve lived through financial difficulty myself. I know the stress, the avoidance, and the fear that the future might never feel secure. I also know what it takes to change that, step by step.
My work combines:
✔ Clear, practical money management
✔ Calm, realistic support with debt
✔ Retirement planning that starts where you are
✔ Coaching that builds confidence, not pressure
This is guidance from someone who understands both the numbers and the emotions behind them.

✨ A clearer picture of your money
✨ Reduced stress and overwhelm
✨ Confidence in everyday decisions
✨ A realistic path towards retirement
✨ Support that respects your pace and situation
Progress, not perfection.

🔹 Free discovery call
A safe, supportive conversation about where you are and what you need.
🔹 Personalised support
Practical steps, explained clearly, tailored to you.
🔹 Growing confidence
Clarity builds over time, and so does trust in yourself.
No judgement. No jargon. No pressure.

If you’re ready to feel calmer about money and clearer about your future, this is a good place to begin.