Protect focus and performance by reducing financial pressure from big personal spends

Upgrading to the latest iPhone. Booking a family holiday in Mauritius. Finally getting that ergonomic home office setup. Renovating the 70s-style bathroom you’ve been tolerating for years. These are the moments people look forward to.

But they can also be filled with stress. A big spend can throw someone’s budget off balance for months, creating a constant low-level worry about money that never fully switches off.

Why this matters for you

When your people aren’t managing big purchases well, they’re probably carrying financial stress into work with them, which in turn affects their focus and ability to work effectively every day.

Financial stress is a silent productivity drain

Our Financial Stress Report found that:

4 in 5 people experience physical symptoms linked to financial stress
Nearly 80% say they regularly think about money when they’re trying to relax or sleep.
30% say money regularly causes tension in their relationships

Your employees aren’t falling apart, yet. They’re holding it together. Quietly. But it’s costing them energy, rest and focus.

Big purchases can tip the balance from “coping” to “struggling.” When that happens, it’s not just their personal life that feels it. You will too, through lower focus, shorter patience, and slower decision-making.

A simple tool that changes how people spend

One of the tools that form part of the Financial Freedom Programme is the Wealthbit Big Purchases & Smart Spending Workbook. It’s a step-by-step guide that helps employees decide what’s worth buying now, what can wait, and how to pay for it without blowing up their long-term plans.

Instead of making a big purchase in the heat of the moment, they learn to balance wants and needs, plan ahead, and keep the rest of their finances on track.

Why surface-level fixes don’t work

In most companies, money is the unspoken topic. People make financial trade-offs they’d never mention in a one-on-one with their team lead. And because it’s invisible, leaders assume all is fine.

Many well-intentioned employers try to help with a webinar here or a budget template there. The problem is, financial stress isn’t an information problem, it’s a systems problem. Without practical tools like this workbook, personalised guidance and ongoing support, nothing changes for long.

Turning awareness into action

That’s why we built the Financial Freedom Programme. A system designed with behavioural science and built to work in the real world.

It helps your team:

✅ See where they really stand - often for the first time
▶️ Make progress without shame
💪 Stick with it over time

When people feel in control of their money, they plan better, focus better and stick around longer.

How to tell if you’re really helping your team

Ask yourself:

Awareness

Do you know how many people in your company are carrying financial stress
Do you understand what that stress looks like day to day?

Tools

Does your team have support that helps them take real action, not just generic advice?
Can they track their progress over time?

Consistency

Is financial wellbeing a once-off perk or part of a system?
Do you measure whether your support is actually working?

Wealthbit’s Financial Stress Survey Tool is a simple, anonymous way to check in with your team and uncover how financial stress may be affecting their ability to show up at work.

The payoff for your business

When you give your team the tools to take control of their money, you’re not just improving their lives. You’re unlocking better thinking, more loyalty and stronger long-term planning across your business.

The Financial Freedom Programme combines:

🎯 Workshops and tools that normalise the conversation and shift behaviour
🧠 One-on-one coaching to make the plan real
📲 App-based guidance that fits into life
📊 Company-level insights so you know what’s really going on

With the right support and open conversations, big purchases feel more manageable and your team can bring their best to both their work and their lives.