Ray BuxRay Bux

MONEY COACHING

Make Every Pound Count

Get clear budget plans, debt help, and savings steps for your home or small firm. See cash flow, cut waste, and plan the next move.

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Money-planning kitchen scene with savings jar, envelopes, calculator, keys and groceries by rainy window light.

TOPICS

Money guides that fit real life

Set weekly money limits that fit real life.

Overhead flatlay of a charcoal budget binder, fern, and ceramic dish on pale stone.

GUIDE

Budget Plans

Set weekly money limits that fit real life.

Debt-help folder with pen and linen on pale wood in soft side light

TIPS

Debt Help

Make cards, loans, and bills easier to handle.

Three savings jars with coins on a stone tray beside a ceramic dish and folded linen cloth.

GUIDE

Savings Pots

Build small pots for tax, bills, and events.

Cash tin, receipt bands, stapled folder and brass tray on a concrete workbench.

TRENDS

Small Firm Cash

Track money in and out before it gets tight.

client rating

4.8/5

client rating

UK client reviews

164

UK client reviews

to build a steady plan

12 weeks

to build a steady plan

The Map

Community

Customer notes

Verified

“My weekly budget finally makes sense, and I know what to do next.”

H

Hannah Price

Homeowner, Kent

Verified

“The debt review gave me a clear plan and took the fear out of letters.”

A

Adeel Rahman

Café owner, Birmingham

Verified

“Cash flow was the part I kept avoiding. Now I check it every Friday.”

J

Jodie Ellis

Freelance designer, Bristol

SPOTLIGHT

Fresh reads and money checks

A calm look at rent, bills, and pay day gaps.

Rain-speckled London kitchen with sealed envelopes, a navy mug, and a closed notebook by the window.

Spotlight

London Budget Review

A calm look at rent, bills, and pay day gaps.

Hall console with wallet, bank card, mug and phone handset ready for a debt advice call.
02Guide

01 First Debt Call

What to bring when you ask for debt advice.

Utility corner with unplugged plugs, shut phone, grocery tote, and sealed envelopes on a pale oak counter.
03Guide

02 Save On Bills

Simple checks for energy, phone, and food spend.

Overhead cash-flow items on a pale workbench with a till tin and ledger tray.

For firms

Cash Flow Map

A clean view for sole traders and micro firms.

A navy tote, cash tin and biscuit tin on a Manchester kitchen table with kettle steam.
05Region

Manchester Money Tips

Local notes for families and small shops.

Rainy Birmingham café table with three quote folders, keys, and a steaming cup.
06Region

Birmingham Credit Guide

How to compare loan costs without guesswork.

Three sealed envelopes in a stone dish beside an emerald tray on a cool concrete ledge.
07Guide

Savings for Tax Time

Keep future bills out of daily spending.

Coins, ledger, calculator and cup on a stone sideboard in soft evening light.
08TIPS

Month-End Money Check

Five numbers to read before the new month starts.

Journal

From the journal

Questions

Money help, answered

Quick answers before visitors choose a product, service, or next step.

01What does Ray Bux help with?+

We help with budgets, debt steps, savings plans, loan checks, and cash flow reviews for homes and small firms.

02Do you work with small businesses?+

Yes. We look at cash in, cash out, bills, and pay dates so day-to-day money feels easier to track.

03Can you help with debt?+

Yes. We give plain debt advice, list the next steps, and help you set a plan you can stick to.

04Do you offer one-to-one coaching?+

Yes. We review your money, sort the priorities, and leave you with clear actions for the next month.

05Is your work UK based?+

Yes. Ray Bux serves UK clients with money help shaped around local bills, credit, and business needs.

06How do I start?+

Send a note or book a call. We will ask a few simple questions and point you to the right next step.

Weekly money notes

Get one short email each week with budget tips, debt checks, and savings ideas for UK homes and small firms.