Hayley Charlton

HAYLEY UNFILTERED

The Financial Rebuild

Nine no-shame money areas. Clear steps. Trusted picks. Built to take action fast.

Start with Banking Or jump to Bills

Ad/affiliate links. I only recommend what I use or would use. Rates & eligibility change — check details.

Everyday Banking

Better interest, cleaner flow, fewer leaks.

Easy-access saver

Top Easy-Access Saver

Open in minutes. Name it “Emergencies”. Automate payday +1.

Open account → Compare rates

FSCS & rate rules apply. Last checked: {{DATE}}

Switch bonus

Switch Bonus

Get paid to move your current account. Simple eligibility checks.

See bonuses →
No-fee travel card

No-Fee Travel Card

Spend abroad with £0 FX fees; use for trips and online stores.

Get card →
Budget app

Auto-Pots App

Route money into bills / groceries / other automatically.

Try the app →

Cheaper Bills

Broadband, mobile, energy — biggest easy cuts.

Broadband deals

Broadband Switch

Check total 12-month cost (not just promo). Keep a screenshot.

Compare deals →

Watch CPI+X% clauses. {{DATE}}

Energy alerts

Energy Alerts

Get notified when fixes or caps move — decide quickly.

Set alerts →

Credit & Debt Toolkit

Stop interest; protect your file; clear with a date.

Soft eligibility check

Soft-Check Eligibility

See likely 0% offers without hurting your score.

Check now →
0% balance transfer cards

0% Balance Transfer

Pick lowest fee and long-enough promo; set fixed DD.

See cards →

Only apply if you can clear on time. {{DATE}}

Free debt advice

Free Debt Help

If you’re behind on priority bills, get help first.

Get advice →

Cover that Fits

Right cover, no fluff — home, car, travel, pet.

Home insurance

Home Insurance

Pick an excess you can afford; review limits yearly.

Get quotes →
Car insurance

Car Insurance

Compare early (often 20–26 days pre-renewal).

Get quotes →
Travel insurance

Travel Insurance

Buy when you book, not day-before departure.

Find cover →

Cashback & Codes

Stack small wins on things you’ll buy anyway.

Cashback extension

Cashback Extension

Activate on checkout pages automatically.

Install →

Travel & Getting Around

Reduce costs before you go — protect the trip.

Hotel deals

Hotel Deals

Free cancellation filters; compare total stay price.

Find hotels →
Breakdown cover

Breakdown Cover

UK/Europe options; check exclusions & callout caps.

See cover →
Fuel price app

Cheaper Fuel App

Plan stops; avoid motorway price spikes.

Get app →

Home & Mortgage Moves

Plan fixes, compare rates, trim running costs.

Home bill-cut tips

Bill-Cut Checklist

LEDs, draught fixes, smart thermostat first.

Read tips →

Smart Shopping

Compare, set alerts, consider refurbs.

Price tracker

Price Tracker

Alerts on dips. Only buy when the price is right.

Create alert →

Income Boosts

Benefits, side income, and simple wins.

Benefits checker

Benefits Checker

Takes 5–10 mins; many miss support they’re due.

Check now →
Side income ideas

Side-Income Ideas

One thing you can do weekly beats big plans.

See ideas →
Savings calculator

Savings Calculator

Find easy cuts; turn them into auto-saves.

Try it →

Just Landed

Fresh money moves — fast reads, real wins.

How I choose picks

Simple method. UK-first. No fluff.

Reviewed {{DATE}}

Clear wins only

One standout action per section so you can move fast.

Balance & choice

Where helpful, I add a non-affiliate compare alongside my pick.

Up-to-date

Rates checked when markets move and on a monthly sweep.

Safety before “savings”

If you’re behind on priority bills or debt, free help comes first.

Some links are ad/affiliate. I only recommend what I use or would use. See the full criteria →

The Weekend Is Calling

One tidy tip + one worthwhile deal — the stuff you’ll actually use.

Zero spam. Unsubscribe anytime.

Heads up: Some links are affiliate links — I may earn a commission at no extra cost to you. I only recommend what I use, have used, or genuinely trust. • If you're behind on priority bills or debt, get free support via National Debtline. • Education, not personalised advice. Last checked: {{DATE}}.
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Get the free tools

Quick prompts, calm scripts, zero fluff.

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    Your Reset Starts Here

    Sometimes the smallest step is the one that makes life feel lighter.

    • Words when you freeze: simple scripts for tough moments.
    • Quiet the noise: quick prompts that bring clarity fast.
    • Reset on the go: grounding exercises you can use anywhere.

    These aren’t about pushing harder—they’re about giving yourself space. Space to breathe. Space to reset. Space to remember you don’t have to carry it all alone.

    Too Much Noise – The 3AM Club

    For the women whose minds race when the world goes quiet.

    • Truth at 3AM: The thoughts you can’t silence when the world is asleep.
    • Flux & Worry: The in-between spaces where nothing feels steady.
    • Safe Belonging: Words that remind you you’re not alone in the dark.

    If you’ve ever felt wide awake at 3AM — carrying too much, thinking too fast — this is for you.

    Read more about this book →

    Real talk for real days!

    Get honest, unfiltered insights straight to your inbox — no fluff, no pressure, just the kind of clarity that hits when you need it most.
    ​You in?

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      Start your way back...

      This isn’t about pushing through. It’s about finding your way back — to calm, to clarity, to yourself.

      • Step 1: Pause the spiral — simple resets that ground you in the moment.
      • Step 2: Rebuild steady boundaries — no guilt, no apology, just solid ground.
      • Step 3: Create space for you — practical tools to make life lighter, not heavier.

      This is where burnout starts to lift. Small steps. Real shifts. A way back that actually lasts.

      Let’s Find Your Turning Point

      No more pushing through. No more white-knuckling it. Here’s where it shifts:

      • Truth 1: Forcing it isn’t working — and it never will.
      • Truth 2: Motivation fades. Clarity and tools don’t.
      • Truth 3: You don’t need more hustle. You need a plan that sticks.

      This is your reset point — no fluff, no overwhelm. Just clear language, calm tools, and next steps you can use today.

      What You’ll Get Inside Done Pretending

      No fluff. A clear 6-module path + practical toolkits you’ll actually use.

      Core Modules

      Raised in Fear — Why You Feel This Way

      Make sense of survival modes (fawn, freeze, fight/flight), self-blame, and your nervous system—so change feels possible.

      Module 1

      The Rules You Learned to Survive

      Spot the “be nice, be useful, be quiet” rules, perfectionism, and over-functioning—then start unhooking them.

      Module 2

      Boundaries That Hold

      Language that works under pressure: clear lines, practice responses, and consequences that don’t wobble.

      Module 3

      The Red-Flag Decoder

      Recognise love-bombing, DARVO, guilt hooks, and subtle control—plus how to respond without over-explaining.

      Module 4

      Emergency Calm Kit

      3-minute resets for spirals: breath cues, grounding prompts, and “body brakes” you can use anywhere.

      Module 5

      Reclaiming Energy & Agency

      Close loops, cut energy leaks, and set one brave priority each week—so life starts to be yours again.

      Module 6

      Downloadable Toolkits

      Boundary Scripts Library

      Copy-and-use scripts for “No”, “Not right now”, and “That doesn’t work for me”—for family, partners, work, and friends.

      Scripts & Templates

      Conversation Planner

      One-page map for your line, your words, and your exit—so hard talks don’t spiral.

      One-Pager

      Guilt Reframe Prompts

      Short prompts that unhook “I’m the problem” and replace it with clarity and choice.

      Prompt Pack

      Weekly Reset Checklist

      10-minute review to reset, reclaim energy, and choose one next right thing.

      Checklist

      Boundary Map

      Simple visual: your Yes / No / Maybe zones and responses when lines are crossed.

      Visual Map

      Hard-Day Audio

      Short audio pep-talks for the “I can’t” moments—so you don’t white-knuckle alone.

      Audio Support

      Done Pretending™

      You’ve carried it all, kept it together, and smiled through the cracks.
      Done Pretending is where the mask comes off — and you finally get tools that stick.

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        Where You Reign™ Waitlist

        A private space for women who are done performing and explaining — women ready to reclaim their power.

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          1:1 Coaching — Priority List

          If you’re done being walked over and want hands-on help.

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