Most of us don’t talk about debt, we live in FOFO – Fear of Finding Out; something Clare Seal did until, £27k in debt, she turned financial rock bottom into rocket fuel for change, not just for herself but tens of thousands of others.

In this episode, Clare opens up to Melanie about how her desire to fit in led to mounting debt and how reflecting on the impact of ADHD helped her redefine her relationship with money. She shares the practical steps and mindset shifts that helped her climb out of debt and how she now empowers others as a Financial Wellbeing Coach and bestselling author.

Clare’s strategies—on talking to the bank, using budgeting apps, understanding hedonic adaptation, and shifting from net-worth to self-worth—are pure gold. Her journey to discovering her own Enoughness offers powerful insights for anyone searching for their financial “just right.”

Because rich or poor, if you’re messy with money, the issues stick around until you face them head-on.

Guest: @clareseal

Books

Real Life Money by Clare Seal

Five Steps to Financial Wellbeing by Clare Seal

Mentioned in this episode

Draw Your Future by Patti Dobrowokski TedxRainier

ADHD Tax – by Monzo Bank & You Gov

Methods for paying debt

Avalanche vs Snowball Method

Money management apps

Snoop – helps track spending, set budgets, cut bills and control finances

Jam Doughnut – cashback app for deals in real time

Wealthify – money management keep track of investments, ISAs, pension

The Enoughness with Melanie Rickey.

Produced and edited by Steve Hankey.

Podcast Artwork by Rachel Macintosh & Orla Drury.

The podcast is recorded at 1 Warwick in Soho, a welcoming club for members and visitors alike, and the home of The Enoughness with Melanie Rickey.

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