Pearls & Perils




Financial abuse or economic abuse is often a type of abuse that is associated with couples, but it can occur within other relationships within the family such as a parent and child or vice versa, within a friendship dynamic; it can also occur outside of the home in secular and religious organisations.


The Care Act 2014 describes ‘financial abuse’ as a type of abuse which includes having money or other property stolen, being defrauded, being put under pressure in relation to money or other property and having money or other property misused.

Financial abuse is often carried out in a very subtle and manipulative way, in many cases victims do not realise that they are being taken advantage of. It can be difficult for victims to identify the signs of abuse when they are in a close relationship with the perpetrator who may be someone that they trust. The perpetrator(s) may be charming, friendly but may have underlying controlling tendencies or narcissistic tendencies.


Types of financial abuse:

  • Controlling someone’s purchases or access to their money

  • Borrowing money and not giving it back

  • Someone taking or misusing someone else’s money or belongings for their own gain

  • Stealing money or belongings

  • Forcing someone to give access to their personal financial information such as passwords or access to accounts

  • Forcing or manipulating someone to sell their home or assets.

  • Tricking or putting pressure on someone to make bad investments

  • Forcing someone to make changes in wills, property, or inheritance

  • Taking pension payments or other benefits away from someone

  • Religious organisations: manipulating members to give money above their means, promising that God will bless or repay them.


It is important to note that financial abuse can happen to anyone not solely to people that society would consider as vulnerable. People that are vulnerable or may be at a vulnerable stage in their lives due to their mental state, significant life event, age, physical health or learning difficulties may be more prone to becoming a victim of financial abuse.


If you are currently experiencing financial abuse or know someone who is, you do not have to suffer in silence there are resources and organisations who are able to support you. If you have any questions that you'd like to ask me private feel free to email me on info@pearlsandperils.com.



Organisations and helplines:

Surviving economic abuse

National domestic abuse helpline

Victim support

Citizens advice bureau






Bath is a beautiful city located in the county of Somerset. There are a lot of picturesque views and lots to explore around the city. It's the perfect place for a couples getaway or a family trip.


Travel: It takes just under 2 hours via train from London Victoria station and just over 3 hours via coach from Victoria coach station. We opted to take the coach as it was a lot cheaper and wasn't much of a difference in terms of travel time.


It was my second time visiting Bath as I visited for the first time in September 2020 for 2 nights for my Wedding anniversary. We decided to stay at the Apex hotel once again as we had a positive stay last year, it is a 4* hotel located a few minutes walk from the city centre.


We had a very pleasant stay our room was modern, comfortable we also had a bath and a separate shower which suited both of our preferences. The hotel has a gym, pool, sauna and a steam room, we utilised the pool, sauna and the steam room during our stay and had no issues with any of the facilities.


We had breakfast included in our booking you are given the option of a choice of one hot breakfast option and the freedom to serve yourself at the continental bar which had pastries, fruit, fruit juices etc. There was a variety of breakfast options suitable for different diets and the food was great too, the staff were friendly and we didn't encounter any issues with the service of the staff.


We did a lot of exploring around the city which is easy to do so on foot. We visited the Roman baths which was a really interesting tour I'd definitely recommend. We also spent our time relaxing at the hotel, visiting a mixture of cafes and restaurants.


Our budget for our trip was £1,000.


Here's a breakdown of what we spent:

  • Apex hotel (3 nights inc. breakfast): £664 *(I will be getting 5% cashback with this booking via airtime rewards and will get 1814 honey gold points once my purchase is verified which will allow me to get a £10 voucher).*

  • Coach tickets x2: £21.60

  • Roman Baths x2: £34 (prices vary depending on the month)

  • Victoria falls Mini golf: £11 (was really impressed with the price, it was definitely value for money)


Eating out:

  • Sainsbury's: 3.80

  • Tesco: £2.10

  • KFC: £5.46

  • Chinese takeaway x1: £18 (pricey but food was average)

  • Fish & chips x1: £9.50

  • Society cafe: £9.80 (x2 drinks and a muffin)

  • Chez Dominque: £60 (inc. tip) we both ordered the Onglet steak which we tried for the first time it was cooked very well and very flavoursome. The service was great and staff were friendly.

  • The Ivy: £65.81 (inc. tip) we both enjoyed our food and the service was great.

  • Creams: £7.95

  • Friends takeaway (kebab): £4.99 (reasonably priced and tasted good)

  • Mrs Potts chocolate house: £10.20 (x2 hot chocolates) a little pricey but definitely worth visiting

  • Papaw cha (bubble tea): £4.90

  • Sweet little things tea house and bakery: £18.05

  • Pizza hut delivery: £16.82


Total spend: £967.98

If your budget is a little tighter there are plenty of ways that you could reduce your spend by opting for a 3* hotel, air bnb or eating out a lot less than we did (lol we wanted to treat ourselves).


To view more pictures and videos of our trip head over to my Instagram page @YourFinancePT


Referral links:

  1. Airtime rewards: You can download via https://airtimerewards.app.link/friend if you use my code CUVKDFG6 you'll get a bonus once you sign up, it is free and once you set yourself up there's nothing you need to do as the app will automatically track your purchases for you and reward you cash back on eligible purchases.

  2. Honey online browser extension: sign up using my referral code to get access to discounts when shopping online http://joinhoney.com/ref/pson80t




This is a question I’m frequently asked, and my answer is usually the same. There are a lot of conflicting opinions online that suggest that if you are in debt, you should solely focus on clearing your debt and postpone saving until you are debt free. While I understand the logic behind this, I believe that focusing all of your efforts on clearing your debt and having no savings or reserves in place can leave you susceptible to falling into further debt in the event of an emergency.


Over the last year I’ve coached over 100 people, a pattern I’ve found amongst some of my clients who are in debt was that prior to getting into debt they either had no savings or a minimal amount- when a need arose, they did not have sufficient funds to cover it and resorted to credit cards and loans.


In my opinion if you are currently in debt you should focus on clearing your debt but also aim to build up an emergency fund that you can utilise should an urgent need arise. This would provide you with an added level of security and peace of mind. I’d suggest working towards saving up 1 months’ worth of your expenses in an easy access savings account as a starting point. Once you’ve cleared your debt or reduced it significantly you can then decide whether to continue to build your emergency fund to cover 3 months’ worth of your expenses and so on.


If you live in the UK and are struggling with debt you can access free debt advise via the following charities: 1) Stepchange: https://www.stepchange.org/

2) Debt advise foundation: https://www.debtadvicefoundation.org/

3) National debtline: https://www.nationaldebtline.org/


If you’re ready to break bad finance habits, change your mindset when it comes to money and learn how to effectively manage your finances book in a Finance 101 one to one session.


Your Finance P.T