Let me tell you a little bit about me. I’m Phill Ridgway – aka Your Personal Money Coach.

First and foremost though i’m a dad to my wonderful 2 boys, a husband to 1 amazing wife. I’m also passionate about travelling and being outdoors skiing, running, mountain walking, camping and so on, and I suppose I read too many money blogs…. Oh, and i’m also a member of Cheshire Search & Rescue which is run by volunteers and 100% funded by donations, so if you’re feeling generous…….

I’m from a small family (so I thought) and was extremely fortunate to be adopted when I was a baby. My adoptive parents lost their only child when he was just 3.5 years old, which completely devastated them, but led them to deciding to adopt me!

I also remember my dad being great with money, and my mother who is 91 still lives completely independently in her own home – isn’t that amazing! It’s getting harder for her though so 3 years ago we decided to move our family back to the UK from the USA to support her.

My parents worked hard, like most, and things weren’t easy by a long shot, but they were also professional dancers and operated a very successful dance school called “The Ridgway’s School of Dancing” for about 35 years.  This allowed them to save a bit more and make a better life for their family.

They also tried to teach me some financial lessons in my tender years, but unfortunately I didn’t always listen to them – it turned out I should have!

They never believed in in debt so they never had any, instead choosing to live a life where they only spent what they could afford, after saving up, and what they couldn’t afford they wouldn’t buy.

After spending 7 years in the British Army years I trained become a financial planner which took me to all corners of the globe working with expats. However, a few years ago after 24 years advising, I had an incredibly strong calling which completely changed my life. I felt the need to help people with their money in a very different way, so instead of advising and selling investments, I transitioned to spend my time helping, teaching and coaching people about the essential steps needed to get out of debt and work towards building financial freedom.

It was a dream come true because I realised that this incredible moment that was going to change my life forever. I had also been questioning who I was and what my purpose was. I had debt myself following a bad relationship some 12 years ago which took me many, many years to pay it all back, but I did, and every penny of it! I realised at that point how others must feel, and the disconnect that debt often causes in families. I learned the hard way but had found my true purpose and finally knew how good it felt to be financially free and to be working toward my own goals and dreams.

My family will always come first, as should yours, but then something even more amazing happened in December 2016. I met my sister who never knew I existed! She was very young when I was adopted, and had no recollection of what happened all this years ago. I discovered that my birth mother had passed but here was my sister, living only a few miles from me! My life just changed forever….

I’ll teach you how to achieve financial freedom, step by step, at your pace, and in your world with your family. How you create your own dreams will be up to you, but you have to set achievable, realistic goals and take control of your future with commitment, purpose and intention.

When you set yourself free from debt you can make your dreams a reality and enjoy the amazing feeling that comes with it.

I’m hugely passionate about helping people destroy their debts and finding financial freedom.

Now its your turn! What are you waiting for?……