We’re on a mission to provide an affordable channel to boost your mental health. So, each week, we’re checking in with our community to see how they’re working on their mental health and their goal towards happiness. We invited to Jessica Skene, Financial Coach, to help us some tips and advice on coping with money stress.


Q: “I have decided to go back to study recently but that means I will work fewer days in a week to pay off my mortgage, so the money stress is probably the thing that gives me the most stress of all. So, how can I manage my financial better and reduce the stress?” – United Kingdom


A: “I am not sure if you have started studying already, but if not, I would suggest that you save up as much cash as possible in advance to have an Emergency Fund of at least £2,000 or ideally if possible, 3-6 months of expenses. This will give you some peace of mind that you can cover any unexpected financial emergencies.

Secondly, I would also enough you to consider reducing your study workload and doing your study at a slower pace and working more so that this doesn’t impede your finances so much. Most importantly, so you can pay for your course fees as you go with cash rather than racking up student debt which can be crippling to your future self.

Thirdly, I would suggest that you create a budget for yourself for your current scenario and your ‘studying budget’ and work out what you have to pay your bills and live off. This will give you a plan so you know what you have to spend on what budget category and can alleviate any unknowns about your finances.” – Jessica Skene, Financial Coach



Jessica Skene aka Minimise With Me is a financial coach. If you find it hard to cope with money stress, reach out to Jessica via Instagram.

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