Innocent – Imagine Tony Robbins out of a job

Wouldn’t it be amazing if every motivational message we received made us jump in and take the action needed to achieve our goals?

We would hear, listen, contemplate and act – every time.

“If you can dream it you can do it” – Yeah! Let’s go!

The world would be filled with amazing high achievers like Richard Branson and Elon Musk, athletes like Usain Bolt and Mo Farah. All of us walking round smiling at each other looking fit and healthy. Everyone rich with gorgeous homes and flash cars and work balance lifestyles that support having as much free time as possible – time is so much more valuable than money, right?

Imagine Tony Robbins out of a job!

Motivational material is everywhere – books, films, magazines, YouTube videos, even newsletters! So how come I see so many people with the latest MAKE THE CHANGE book tucked under their arm that are still overweight, skint, unhappy, and very frustrated! Follow them home and you would find bookshelves groaning under the weight of many more, well thumbed, books of encouragement.

What’s happening – or not happening? What’s stopping us from taking control of our lives and reaching our goals?

My name is Fanny Snaith and I’m a money coach. I work with high achieving professionals and business owners who earn well but have little to show for it. I help ease their daily struggle with money management, but more importantly, help them to understand how their emotional relationship with money massively impacts, not only their income – but the whole of their financial world.

My clients are often the very people who are reading these wonderful motivational ideas and methodologies. They get fired up to power forward into bright new mindsets, only to find that they feel stuck, held back by something that they can’t really put their finger on.

Their behaviour around money puzzles them, because they are clever professional, qualified people.

Does this sound familiar? Have you tried budgeting, or saving that only lasts a few weeks before it is sabotaged by some unexpected event or other?

You pay off your credit card, only to get in debt again? You might feel overwhelmed by money generally – but you know you want more of it!

Alternatively, you may be an under spender? Making do with what you have, hoarding money in a “so safe” account that pays so little interest that you are losing money when taking inflation into account.
Weird isn’t it?

I know that if we are to achieve the awesome mindset (around money) we are longing for, we must understand our behaviour and beliefs and then take steps to change.

“For things to change, you have to change.” Jim Rohn

I have a brilliant money coaching tool kit. One of my favourite tools is the Eight Money Types. A set of eight characters who all have different behaviours and beliefs around money who we can identify ourselves with and then evaluate our relationship with money. The 8 Money Types offers a simple way to identify and evaluate our relationship with money. With this understanding you can then learn how to make conscious money choices which results in you being MUCH better with money on every level.

Let me give you an example. When I started working with Tom he had £15k of debts that had been building up over ten years. His credit score was shot to bits as he was defaulting on his mortgage and credit cards regularly. He told me that he had unopened bank statements that arrived months ago. He read many books to kickstart him into action but then… took no action. He feels ashamed that he is not saving as he earns just over £60k. To the outside world, Tom seems happy and full of life, on the inside Tom is worries about money all the time. He is looking everywhere for rescue – a helping hand to make decisions for him and sort out his money mess.

He was very unhappy with his financial situation. He felt hopeless and powerless.

I introduced him to the Eight Money Types and when he heard the description of The Innocent he jumped up and said “That’s me!”.

The description read:
The Innocent takes the ostrich approach to money – living in denial, acting that all is ok whilst putting their head in the sand to avoid the reality of their finances. Easily overwhelmed by financial information The Innocent relies on others for advice and opinions. They are like children when it comes to money – trusting but not yet able to judge or discern other people’s motives or behaviour. The Innocent’s goal is to feel safe. The Innocent is much like Dorothy in the Wizard of Oz. Dorothy’s learning is that the power lies within her and not the Wizard. When she learns this, she can find herself anywhere.

Tom said that he didn’t want to be like The Innocent and asked me how he could change – and find his Warrior (the Money Type of action).

Tom thought that The Innocent needed knowledge and confidence to find his power to succeed financially. Tom accepted that he needed this help too. By disassociating himself from his traits and behaviour around money and seeing them externalised in The Innocent, it made it so much easier for him to see solutions and move him forward.
So, we began discovering and questioning his beliefs around money – finding out if they were true or just unhelpful thoughts that he continued to think. I taught him money management skills. We gave every pound he had a purpose, which brought his money alive.

Very soon, he gained the confidence to open envelopes and start taking charge of his financial life. Our work continued, and he is now living within his means and building a portfolio of varied investments.
There are 7 other money types that I will be describing in future newsletters so keep reading weekly and see if a Money Type comes up that describes you around money!

So next time you feast on that motivational message that does not seem to work, dig a bit deeper and wonder why. If you would like to find out more about the money types and money coaching now, head over to and take the Money Type Quiz.

If you would like to be part of a supportive, solution focused Facebook group that is designed to look after you and your money please do feel free to join Loving Me, Loving My Money.