How many times have we heard the phrase "I can't afford it."?
There are plenty of on-line tools to help you construct a household budget and we recommend that everyone - especially the children in the family, get used to measuring what's going on.
Where we come in is family counselling, during which we demonstrate what the financial consequences would be of any decision. This paves the way for collective understanding that links action to outcome in the specific circumstances in which you find yourself.
When we have run the numbers, it is often absolutely astonishing what cumulative differences can be made to the family's fortune by prudent husbandry and far sighted planning; and we are not talking about a few thousand pounds here or there, we are talking about well funded long retirement, houses for children, and enduring independence.
Ask us how to help you and your family. We'll steer you away from "I can't" to "How can I" afford this. "What do I need to do to make it work?" Just by looking at matters from a different perspective, adjusting the context a bit, and making the commitment to take action, you can bring about the desired change you desire. This will be a liberating and enriching experience that will stay with you for ever.