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FIREside chat with David: The personal finance coach

Quirk Team
August 20, 2020
FIREside chat with David: The personal finance coach

Hi! Can you introduce yourself?

Hi, my names David, I'm 26 and live in South-East London. I launched @thepersonalfinancecoach in November 2019 and am a personal finance coach helping people to master their money.

What personality type did you get? Did you find the results to be accurate? 

I think the quiz is pretty spot on. When I'm in the personal finance zone I am certainly the one to check out all the comparison sites and make sure that my money is working as hard as possible for me! If my money isn't in its correct place, it won't be out of place for long!

David took the Quirk Money personality test and received the Optimizer personality type.

What inspired you to start? For completely new readers, what is the “tl;dr” of your brand?

I've always had a passion for personal finance, and during last year I decided to take the plunge and start talking about it online and seeing how I could help others.

Now I talk about all aspects of personal finance as well as offering 1-2-1 coaching sessions to help people whip their personal finances into shape.
Infographic of all the components that make up a credit score like debt level, missed payments, bankruptcy, hard searches, electoral roll, credit utilisation, personal information and county court judgements.

What is your relationship with personal finance? - If applicable, how has that defined your current pursuits? What changes have you made that have helped? How has it changed over time?

My relationship with personal finance is very goal oriented. I like to set myself both long term and short-term goals and make sure my budget reflects that accordingly. If I don't have a goal it can be hard for me to know where my money needs to go!

What are some things that worked for you for maintaining balance and managing your spending?

I always set aside a little bit of money each month to spend on whatever I want as well as saving a little for the same reason. That way I have a little bit of freedom, because you never know what life may throw at you in any given month.

What’s the worst money advice you’ve ever received?

The worst money advice I ever received was to worry about your credit score. That's not the important part - focus on your credit history instead.

What do you most enjoy spending on? Or any guilty pleasure you can share. 

Food. Always appreciate food.

How often do you check your finances?

Current account at least once a day probably, all my other accounts at least once a week.

What’s your stack?

One Current account, the 'Spending Tracker' App, and one savings account. I learnt early on that personal finance doesn't need to be complicated. Keep it simple.

For someone who is starting completely new to personal finance, how would they get started? What specific tips would you have for newbies?

Track your income and expenses, set a clear goal, clear all your debt - do all of these three things and you won't go far wrong!

Follow David on Instagram

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