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By Clare Seal - Clare is a financial coach, writer, and podcaster. In 2019, she began documenting her journey to pay off more than £27,000 of debt and has since built a supportive and inclusive platform to help people improve their relationship with money. She is the author of two books: Real Life Money and Five Steps to Financial Wellbeing.

From the experts From the experts

How negative self-talk can cost you financial success

29 January 2026

A staggering 45% of people believe "people like me don't become wealthy." Confidence Coach Tiwalola Adebayo explains how to overcome negative self-beliefs and achieve financial success with the 3C framework.

It's important you know

Capital at risk. All investing should be for the longer term. The value of your investments can go up and down, and you may get back less than you invest. Tax treatment depends on individual circumstances and may be subject to change in the future.

A 25% government penalty applies if you withdraw money from a Lifetime ISA for any reason other than buying your first home (up to £450,000) or for retirement, and you may get back less than you paid into your Lifetime ISA.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Payments you make into your pension won’t be accessible until the minimum pension age (currently 55, increasing to age 57 from 2028). Tax treatment depends on individual circumstances and may be subject to change in the future.

For Business Saver: T&Cs apply. Max one withdrawal per day.