Building Financial Confidence for 2026 – Amber’s Journey

Amber became a Customer Service Adviser at Quilter after attending a Money Ready Young Adult session funded by The Quilter Foundation. The financial education session equipped Amber to understand how to thrive financially as well as helping her to gain the tools and confidence to then apply for and interview for a role at Quilter, which, happily, she aced!

Here Amber shares her tips for making your money make sense in 2026.

What small, achievable, changes would you recommend a person make to reset their attitude to money?

Budgeting! Making sure you are aware of where your money needs to go, where it is going and how you can reduce your unnecessary outgoings.

When making a purchase for leisure or a treat for yourself, think it over twice. Consider whether it’s something you really need, and is something you will still want or use in a week. Give this some thought and then sleep on it. Do you feel the same or more uncertain the next day? Make purchases when you know something is needed, or you can comfortably afford to without stress.

What goals have you set yourself and your money for 2026?

My goals are to make sure I am getting the most out of my money that I possibly can.

I now check I have no unused subscriptions and am getting the best possible deals that I can on services and general shopping. I’ve also built the habit of taking public transport to reduce my outgoings and created a clear budget with a minimum amount I save each month (and sticking to this!). On top of that, I challenge myself to save even more by cutting back on unnecessary spending, and it all adds up.

These are all tips I picked up when I attended a Money Ready session at the Quilter offices before I gained my job at the organisation.

Find out more about Money Ready’s Young Adult financial education programmes.

Read our full New Year money reset guide to start 2026 on the right foot.