The way we relate to and manage our money is directly connected to our mental wellbeing. Financial worries increase our levels of stress and even result in a reduction in  employee productivity and increase in absenteeism. Yet many organisations still do not offer financial education for employees.

Even small pieces of advice can make a difference – whether it is encouraging your employee to add up the weekly cost of all the latte’s they buy on the way to work, or to consider bringing a packed lunch instead of just buying processed food…right on up to the big considerations such as pensions advice.

Most of us aren’t trained or qualified or even want to broach this subject with our teams…. so we have come up with a creative challenge to assist you to get your teams thinking about how they would like to live their lives from a financial point of view.

So today we challenge your employees to make a vision board. 

A vision board is a sacred place that displays what you want in life. It is a physical representation of a goal or goals that you’re aiming to achieve (e.g. buying a house, a holiday etc) and when you hang it in a space where you see it daily, your vision board brings your goals and aspirations to life.

Adam Chatterly


Phill Holdsworth
Co-Founder & Director, AurumGold Limited

Phill launched AurumGold along with his wife, Penny, two years ago to help businesses improve the wellbeing of their workforce. With twenty-one years’ experience within the finance industry, Phill soon found he was being asked to address the financial wellbeing of employees.

Financial wellbeing is a growing concern for employers with more than 25 million UK employees worrying about money. This is costing the UK employer more than £120 billion every year through stress related absenteeism, presenteeism, lower productivity and employee churn.

AurumGold’s service has been sort by a wide array of organisations such as county councils, family law firms, care and residential homes, colleges, government departments and companies in manufacturing, IT and Finance. In essence, wherever people are employed there will inevitably be money worries of some kind.

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Statistic One

Did you know that employees are more focussed on finding ways to meet their current needs than saving for the future (PWC, 2018)


Statistic Two

The Close Brothers, in their 2018 research, discovered that more than 25 million UK employees (88%) were worrying about money, and this costs UK employers more than £120billion each year in lost revenue.


Statistic Three

The majority of employees define freedom as free from stress and worry about money and expenses (PWC, 2018)


Statistic Four

53% of employees ignored a health care concern due to money worries (theolsongroup,2018)


Statistic Five

50% of staff use at least 45 minutes of working time focussed on personal financial concerns


Statistic Six

43% of UK employees aged under 35 feel that they will never have everything they want in life due to financial restraints




piggy2If you think that budgeting and saving money is hard, think again! These days, there are so many easy ways to save and there’s a real movement now, to purchase more consciously, so here are some easy wins to save some cash.

Start an at home piggy bank. Emptying your pockets into a piggy bank every day is a great habit to get into to save money. Sure it may seem childish, but storing your change away can really add up an it’s the visual and physical aspect of the money that is so important, something that is increasingly missing in today’s society as we pay by simply tapping our cards.

Get savvy with coupons and codes. Coupons and the use of discount codes are a great way to save money on food shopping and everyday items. Spend at certain super markets and then with the use of loyalty cards and points, treat the kids to a theme park day out!

Carpool to work with a friend. Carpooling saves money on petrol plus it’s also good for the environment.

Eat a few vegetarian meals every week. Good quality meat can be expensive to buy, so why not try a #meatfreemonday. Make a vegetarian lasagne for example, or make your usual dishes with a plant based alternative. We’re spoilt for choice these days!

Turn off your lights. We as a society have become much better at conserving energy, but it’s always helpful to have a reminder to turn off the kitchen lights when you’re out of the room and remember not all light bulbs are created equal.

Shop at charity shops. You’ll be helping a cause and will be bagging yourself some bargains too. Be it some new pieces for your wardrobe or décor for your home in general.  You’d be surprised at the high quality of items that people donate. Perhaps exchange clothes with friends/team – a fun recycling exercise, good for the environment and your pocket!

Grow a vegetable/herb garden. Growing your own vegetables means less money spent at the supermarket, it’s a pleasurable activity and kids just love the whole process! Home grown always tastes so much better than shop bought and there are no pesticides and no plastic wrapping.

Take lunch to work. A bought daily lunch can really become expensive over time as can your daily coffee, so invest in a reusable cup and take hot drinks from home.

Buy used cars. If you’re in the market for a new car, buying a car that’s only one or two years old is a much better investment than a brand new one. They simply don’t depreciate as quickly.

Give up alcohol. A glass of wine can definitely be nice at the end of a long workday, but alcohol is quite expensive, and going without it or cutting down at least, can save some people an enormous amount throughout the year. Plus it’ll be good for your health.

At home movie night. Winter is the perfect season to watch your favourite movie in the comfort of your own home. Popcorn of course!


Anne Boden founded Starling with a clear goal: to build a bank that would help you manage your money, all from one app. Thirty years ago, Anne pioneered the UK’s first same-day payment service that transformed electronic money. Today, that same ambition to use technology to transform banking inspires our work at Starling. Anne’s ambition has brought together a team building the best current accounts - intuitive, secure and 100% digital.

Starling Bank is a digital, mobile-only challenger bank based in the United Kingdom, operating current accounts, and business banking. Headquartered in London, Starling Bank is a licensed and regulated bank, founded by former Allied Irish Banks COO, Anne Boden, in January 2014. Since its founding, it has received over $300m of funding. The company received its banking licence from the Prudential Regulation Authority and the Financial Conduct Authority in July 2016.


The personal account

The original – and the bank account that won us Best British Bank and Best Current Account 2019! Get spending insights, work towards saving goals, split the bill, get paid interest and control your flexible overdraft with a slider in-app.

The business account

We think business accounts should be straightforward, free and fast – so that’s exactly what we’ve built. Voted Best Business Banking Provider 2019. No fuss, no monthly fees, no three week waits; just a smarter-than-average business account you can apply for in minutes and use from your mobile or desktop.

The euro account

Got a good thing going with Europe? If you’ve got financial commitments overseas, you can now hold send and receive euros for free with a Starling euro account.

The joint account

Simplify shared spending, manage monthly bills or save for something great. As long as you’re both with Starling, you can set yours up from your sofa together in less than five minutes.

Sounds interesting? See their site: