VetYou

09/01/2025

THINK PIECE: Financial Stability Isn’t Luck—It’s Planning.

❓ What do you feel is your biggest financial concern making a career change?

Reflecting on Financial Concerns During Life Transitions
“I am not afraid of storms, for I am learning how to sail my ship.” Louisa May Alcott

Major life changes—whether starting a family, moving abroad, or shifting careers—can be both thrilling and overwhelming. One common thread through all these transitions is the question of financial readiness.

Recent insights from our Community Mastermind at The London Vet Show revealed that nearly 37% of veterinary professionals worry about sustaining their lifestyle amidst fluctuating income.

Others feel uncertain about pricing their services or navigating tax implications when stepping into freelance or consulting roles.
Interestingly, 73% of respondents are new to financial planning for significant changes like these, while 16% have tried but lack confidence in their approach.

This highlights just how unfamiliar financial planning can feel when facing new challenges.

But here’s the truth: financial planning isn’t just about spreadsheets or budgets—it’s about creating a safety net for your aspirations, whether they involve raising a family, exploring new opportunities, or moving to a different country.

Take a moment to reflect on a couple of these that resonate:
💭What’s your biggest financial concern about your upcoming life change?
💭What small step could you take today to feel more prepared and confident? Perhaps you could start by going through a helpful financial healthchecker
💭Are there any unnecessary expenses I can cut to build a financial cushion?
💭What is one financial habit I can start today to make the transition smoother?
💭If I’m worried about pricing my services, what research or advice can I seek to feel more confident?
💭Who in my network could I reach out to for advice or inspiration about managing similar changes? Why not join our free community events next week (see comments)
💭How can I stay focused on progress rather than perfection during this time? Why not book a free call with a financial advisor like Ruth

It’s okay to feel uncertain. The key is to start small—setting financial goals, learning about your options, or seeking advice. Whether your focus is family, location, or career, every action brings you closer to feeling secure and empowered.

Transitions are opportunities for growth, and you’re more prepared than you think to take them on! We are here to help! Join us

DATES FOR YOUR DIARY
Monday 13th "Your First Steps to a Remote Career" with Vets Stay Go Diversify and VetYou https://bit.ly/Unlock-Remote-Follow-Up

Tuesday 14th "Life Changes Ahead: Financial Planning for Family, Moves, and Career Shifts" with Veterinary Woman, VetYou and Ruth Downs IFA https://bit.ly/FaceUpToFinancesSeries

❓What do you feel is your biggest financial concern making a career change?

06/01/2025

Date for your diary!!!

Life changes are ahead!

Whether you're starting a family, moving abroad, or changing careers, financial planning is key to navigating these transitions.

Join us for insights on how to prepare financially and embrace these new chapters with confidence in our VetYou Facing up to Finances session on the 14th.

https://www.subscribepage.com/veterinary_woman_finance_series

14/11/2024

Look who we have found! ON TREND for !

Ruth one of our fab independent financial advisors is here today and about to join our community mastermind with

If you see her go say hi! And take it as a bright pink sign to get help sorting your finances. Let’s start 2025 strong!💪🏽 💷

06/11/2024

We wanted to give one of awesome Financial Advisors Ruth Downs a huge high five and we will be cheering you on virtually!

Ruth will be at too and you can book in for a one on one coffee and cash catch up! Plus she will be at our mastermind too:

Here is what Ruth had to say …

Tonight’s THE night!

It is an absolute honour to be a finalist at the 2024 Women In Financial Advice Awards int he category Woman of the Year – Vulnerable Client Care.

I never thought that doing what i do and offering advice to the deaf and hard of hearing community would get recognised at such prestigious events. I do it because the industry needs to change and make advice more accessible and I will continue to help do this.

Only 16% of financial advisers int he U.K. are women. Read that again. It’s shocking and I will be the first to say, it is NOT easy. I do this because:
A) I love what i do!
B) There is a need for women to be in this industry.

I am very honoured to be a finalist and whether i win or lose tonight, I will continue to strive to make this industry better.

29/10/2024

This is a fair point 👀

If you'd like actual help with your finances from a qualified professional, get in touch to tap into our network of awesome people who get vetmed.

We can't find who to credit for this photo, but we thought it was genius. 🤣

26/10/2024

Anyone 💁‍♀️

You invested a tonne into your education.

Finances matter in vetmed - and our personal finances especially.

If you're in the UK, and you want to connect with a trained, regulated financial profession that has studied to give advice in these topics, get in touch.

We've got a whole portfolio of professionals, as well as countless webinars on everything personal finance.

From income protection to investments, pensions and retirement to budgeting.

We know some awesome financial advisors and accountants that can give you personalised advice.

In the same way that we hope our clients come to us - rather than the well intentioned person with a bucket 👀 - use someone who is trained and regulated to give you advice.

Drop us a line, we are here for you 💁‍♀️

08/10/2024

Veterinary work is physically demanding—what happens if you can’t work tomorrow?

Careers and finances come as a pair

What if you couldn’t work tomorrow?

In a hands-on, demanding job like veterinary medicine, it’s a question we all dread. But your future doesn’t have to be uncertain. We know money is a tough, sometimes taboo topic that can cause serious stress. That’s why we’re here—to make financial advice simple, accessible, and judgment-free.

Catch this awesome podcast with Robyn Lowe from Veterinary Voices UK, Katie Ford Coaching & Consulting, and Ruth Down Financial Advisor as they break down how to take control of your finances.

And don’t miss our free discussion next Monday with Veterinary Woman on how to prepare for the unexpected! You can presubmit questions too. No such thing as a stupid question either!

Listen here: https://spoti.fi/4eBalMS

Join us on Monday here https://www.subscribepage.com/veterinary_woman_finance_series

PS: all of this counts as CPD so make sure to log it :)

03/10/2024

THURSDAY THOUGHTS- Are you prepared for the unexpected?

🩺 We’re always prepared for our pets’ emergencies, but what about ours? 🐾

From horse kicks to car accidents, we face real risks daily in our profession.

Which of the following have you got in place? Share in the comments below with the numbers

1) Income Protection Insurance - Provides a regular income if you are unable to work due to illness or injury.

2) Critical Illness Cover - Pays a tax-free lump sum if you are diagnosed with a specified serious illness

3) Private Health Insurance - Covers the cost of private healthcare, speeding up access to treatments or surgeries if you become ill or injured

4) Life Insurance - Provides a lump sum to your dependents if you pass away during the term of the policy

5) Home Protector - Pays for your mortgage or rent for 12 months if you are unable to work due to an accident, sickness

6) Emergency Savings Fund - 3-6 months of expenses saved as a personal buffer for unexpected events

7) Other - let us know!

💡 We recommend insurance for pet care – so why not for ourselves?

It’s time to protect the person in the mirror. We know it can feel like a mine field and quite overwhelming so join us for a free discussion on just this on the 14th October too. We are here to help you gain clarity and confidence for your financial future.

See you on the 14th? Hope so https://www.subscribepage.com/veterinary_woman_finance_series

23/08/2024

Who can you thank or leave a review for today?

It's easy for us to remember in HD the less than ideal clients or the lost luggage at the airport. The way we can change this is by amplifying the good stuff.

Who can you thank or write a review for today? A business? A service you used recently? A friend? A colleague?
It will take you 5 minutes and probably make their DAY.

Thank you to the community members who drop VetYou a line, it means a lot and this is why we exist, to empower you to build the financial future you deserve.

PS: Fancy some negotiation tips? Why not schedule some CPD time and watch back one of our many negotiation replays on our YouTube Channel https://youtu.be/yJ6w3uOIvSA?si=aY9XTg8jqLJ2CYCo

20/08/2024

Tip of the Day - Language Changes!

If the word budget gets on your goat then switching language can really help you get on track when it comes to finances. A simple tip with big positives.

Are there words you use in your role or personal finances that you have switched out for better effect? Let us know.

16/08/2024

Financial Bingo!

Have you taken action on any of these in the last month?
What else might help you to take action on before the month of August is out?
Let us know and share below

Why not conduct a Financial Health Check Up?
When you become a free VetYou community member you gain access to our resources. Here is your Financial Questionnaire to help you conduct a Financial Health Check, complete with a recording from Financial Advisor Ruth to help you run through it!

https://www.subscribepage.com/vetyou_financialhealthcheck

13/08/2024

Tip of the day - Slow Cooker Club!

Who here is in the slow cooker club? If so share your recipes below and let's make a veterinary cooking corner of recommendations.

If you need a helping hand with your own Financial Health Check Up, here is your Financial Questionnaire to help you complete with a recording from Financial Advisor Ruth to help you run through it! We are here to help you get your head out of the sand or keep you on financial track.

https://www.subscribepage.com/vetyou_financialhealthcheck

09/08/2024

Fancy a date?

This is such a simple hack that really helps. 15 minutes in your calendar weekly. Why not add it to Fridays and join us. The VetYou team: Katie Ford, Ebony Escalona and Matt Dobbs meet on Friday mornings as a team so make sure to shoot across any questions or queries so that we can help.

What dates do you already have in your calendar to help your finances? Share with the community so we can all benefit from these reminders.

Make a Date For a Financial Health Check Up: When you become a VetYou community member you gain access to our resources. Here is your Financial Questionnaire to help you conduct a Financial Health Check, complete with a recording from Financial Advisor Ruth to help you run through it!

https://www.subscribepage.com/vetyou_financialhealthcheck

06/08/2024

Tip of the Day - Set up a standing order to your savings, no matter how small.

Who is already on this? Give us a thumbs up 👍
Is this on your to do list? Give us a monkey 🙈
Can't do this right now? Give us a lightbulb 💡
Have another way? Give us a heart ❤️

We love to compile your tips to help others and open up the conversation on money. What would be your financial tip? Please share below.
www.vetyou.co.uk

PS: if you are struggling financially please reach out to Vetlife and other organisations who may be able to help. You are not alone in this blip. Drop us a DM and we can signpost.

02/08/2024

As professionals ourselves, we know the importance of seeking advice, right?

There is no shame in seeking advice for our finances too. In fact, it can be an absolute game changer. Sure, google is great for stuff as are our family and friends but real financial triage, diagnostic and support come from those trained in that field. And we have found a golden professional in Ruth.

Book a free call with Ruth who gets "vet".

https://calendly.com/vetyouruth

Ruth is an experienced financial adviser with a difference. Genuine, friendly, and all-round animal lover. Ruth has helped over 450 veterinary professionals create financial plans that not only helped their financial well-being but mental well-being which is important now more than ever. No jargon, just straight-talking friendly advice.

30/07/2024

Tip of the Day

Don't leave your car insurance renewal until the last minute!
Go check your renewal dates peeps and add them into your diary :)

See you tonight for our Live Discussion Series with Veterinary Woman: Breaking Money Taboos: Master Your Mindset and Budget Like a Pro with Katie Ford Coaching & Consulting

https://www.subscribepage.com/veterinary_woman_finance_series

26/07/2024

What advice would you give your younger self regarding finances?

As summer ushers in a new wave of graduates into our profession, we extend our heartfelt congratulations to the newcomers and the teams that have guided them to this significant milestone. Transitioning into professional life brings with it numerous questions, one of the most pressing being: How do we balance quality of life now versus securing our future?

Reflecting on this, what advice would you give your younger self about finances?
We would love to compile your gems and add them to our resource hub for new grads and students https://www.subscribepage.com/vetyouresources

PS: Luna still loves Ebony's old football shirt from over 15 years post graduation :)
University of Liverpool Veterinary Alumni Association

25/07/2024

Let's be honest – budgeting might not always seem like the most thrilling of topics.

We've all had that moment of stubborn resistance when someone suggests we should be more 'mindful' of our spending. (Cue defiant Pingu...)

But here's the thing: taking control of your finances doesn't have to be a chore.

It can actually be empowering, especially when you have the right support and resources.

That's why we're thrilled to announce our collaboration with Veterinary Woman for their upcoming event series, Facing Up To Finances, empowering veterinary women to take control of finances.

These sessions are designed to make financial planning feel less daunting and more doable, no matter where you are in your career.

Whether you're a new grad, practice owner, or anywhere in between, there's something for everyone.

And the best part? You'll be joining a community of like-minded professionals who understand the unique financial challenges we face in veterinary medicine.

Ready to learn how to harness the power of budgeting, step past limiting beliefs and re-write your money stories?

Head over to the link to learn more and register. Let's tackle this together!



Remember, while we aim to educate and support, individual financial advice should come from a qualified professional. But don't worry – we can help connect you with vetted experts who understand our industry!