I have a question for you.

For every £10 that comes into your personal bank account, do you know how that £10 will be used?

  Having all your money in one bank account is like having your family’s clothes in one drawer ... it would be very untidy and cause havoc. But so many people do this … in fact, I used to! I put all my salary in one account and then worried about paying bills during the month in case there wasn’t enough at the end of the month because I’d spent too much on a new kitchen appliance or a weekend away.

Because I didn’t PLAN .

I would watch the mortgage and utilities direct debits dribble out over the month, then cross my fingers and hope there would be enough to go out for date night at the end of it!

Too often, there wasn’t.  

I found an easy solution …  

I began to manage my personal finances like I do my business finances.  


Are you wedged in that proverbial stress bucket, wondering why, yet again, you have less money left than you should this month? It’s more common than you think and easy to fix!

And I want to share it with you in one 90-minute course that will make you wonder why nobody told you this before! And wonder how you can now do most of the things you ‘thought’ you could do but couldn’t – because you didn’t have as much money in the coffers as you

thought you should … ☹ Things like holidays, or that new serene and ‘oh so quiet’

Garden Office you’ve been dreaming of!

Don’t worry; it’s not a magic trick, and I won’t ask you to transfer your bank account to mine so I can demonstrate …  

Using a simple formula that will help you see how much disposable income you ACTUALLY have, not what you THINK you have. So you can pay for treats, holidays, even your tax bill if you’re self-employed… without them jumping out and slapping you in the face when you’re not expecting them.

Join me on my workshop


PUT YOUR PERSONAL FINANCIAL FITNESS FIRST

ON THE 15th of April 2024 @ 10 am

£95+VAT

…and help your bank account breathe easy again!

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Tracy Irwin

Your host, Tracy Irwin, is The Time Freedom Alchemist, an award-winning business owner, qualified coach, mentor, speaker and best-selling author.

How Tracy has helped other clients ...

Ashley Leeds


As a business coach myself, I know the benefit of working with someone to keep you in check. Tracy is that person. I'm a busy guy with so many things grabbing my attention and with my disposition to help people, my business has grown, but more by luck than engineering.

With over 30 years of sales experience, you'd think I'd have that part of my business nailed. Sadly not.

But working with Tracy has helped me to overcome my barriers to being a sales guy in my business which has seen a step change in not only my attitude but my new sales and pipeline. We have also implemented a new sales process and my funnel is properly focussed with awesome calls to action.

Tracy is patient but thoughtful with her questions and she pushes me when I need a kick and is there for me when I need an idea or a nudge.

Since working with Tracy, my business has grown, my prices increased and I am confident that the prep that we have put in will see me smashing my goals.

On top of that, with her awesome ideas for being super smart with time I am finding I have more time in my business and I have learnt to say no.

Working with Tracy has definitely had a transformation for me. Even my friend noticed the way that I was talking about my business and the new spring in my step.

Tracy is awesome. If you get a chance to work with her, grab it with both hands and you'll not regret it.

Antoine Marsden


Tracy is the lighthouse that will show you the rocks when you are likely to run aground but will also keep you safe when you are tired and weary from looking over the finances in your business. She helps you to expand your thinking and gives you scope to visualise how you want your business to look and she will help you make it reality.

I can honestly say I have never met an accountant who will add such huge value outside of doing the numbers for a business. She is thoughtful, kind, flexible, forgiving and nurturing but she will pull you up when you need it and tell you things that you might not want to hear, but have to.

She is a fantastic person inside and out, and I can't see me working with another accountant Don't hesitate to hire her for your business or to help you manage your own finances. She's the best investment you will make.