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How good are you at managing your finances? Do you find yourself spending money on things you don't need and never use? Does talking or just thinking about money make you feel uncomfortable, guilty, afraid or even overwhelmed?

If so, you might benefit from money coaching.

Coaching is not about someone selling you a financial product. There's no therapy, preaching or moralising involved.

It's about looking at deep-rooted attitudes to money, understanding your feelings and fears, setting realistic goals and meeting them.

How does it work? Once you decide coaching is right for you, there will be an initial meeting. You will be asked questions and can also raise any financial issues you choose.

Within seven days you will be sent a detailed report, with suggestions on what to do next and how to go about doing it.

Over the next few months, you will receive four hourly phone sessions with your coach to talk about how you are getting on, bring up fresh issues and choose new goals.

For more details on money coaching, contact us here: .

Please note: debt-restructuring and help with creditors is available, free, from your local Citizens' Advice Bureau (details in the Yellow Pages).

If you need financial advice on pensions, investments and similar areas, we have lists of suitable advisers who can help.