When Clare Seal faced a difficult financial situation in 2019, she turned to Instagram to make herself accountable, posting anonymously as @myfrugalyear. In under a year, she had grown a following and went on to start The Financial Wellbeing Forum. Clare is also Glamour’s Money Matters columnist and the author of three books.

Tamara Gillan is a successful entrepreneur, founder and CEO of The WealthiHer Network. Her mission is to bring together the UK’s leading financial institutions to work in partnership for the first time to celebrate and support female wealth. As a single mother, Tamara has had to fight for her own success and passionately believes women deserve to be recognised and championed by the financial sector.

When you’re in a financial crisis and seeking help, the first conversation (where you open up about the reality of the situation) can be the hardest. Although this initial conversation might not provide all the solutions overnight, it can be a crucial step in lightening the load, enabling clearer long-term thinking.