BLOG: Let’s Talk Money
By Lindsey Reed, Money Management Trainer at TISA
For many of us in the UK, talking about money still feels uncomfortable. In fact, the Money and Pensions Service (MaPS) found that 81% of UK adults avoid discussing their finances, and around a quarter prefer to keep their money matters entirely private. While this may be rooted in cultural norms, it’s a habit that can hold us back.
Compare that with other cultures, such as China, where open discussions about pay, savings, or financial goals are seen as practical, even empowering. Here in Britain, however, we often view money as a “taboo” subject, one that sits awkwardly between politeness and privacy. A recent YouGov study revealed that half of Baby Boomers think it’s rude to talk about money, while only 17% of Gen Z agree. Times are changing, but not quickly enough.
That’s why Talk Money Week, led by MaPS, is so important. It’s a national conversation designed to normalise talking about money. The more we talk, the more confident and informed we become. Whether it’s budgeting, tackling debt, planning for retirement, or teaching the next generation, sharing knowledge and experiences helps everyone make better financial decisions.
Here are the themes for each day of Talk Money Week (3–7 November) with a few ideas for questions you can ask to start meaningful conversations.
Monday 3rd November – Personal finance, budgeting & the cost of living
Rising costs affect us all differently, but few people talk openly about how they’re coping. Sharing tips or challenges can make a real difference.
Conversation starters:
- “What’s one small budgeting trick that’s really helped you recently?”
- “Do you use any apps or tools to track spending that you can recommend?”
- “Have you found any clever ways to save on day-to-day costs?”
Tuesday 4th November – Debt, money & mental health
Money worries can take a toll on wellbeing, yet they’re often the hardest to voice. Talking about them helps break the cycle of stress and silence.
Conversation starters:
- “When things feel financially tough, what helps you cope or stay positive?”
- “Have you ever spoken to anyone about money stress, what was that like?”
- “How can we make it easier to talk about money struggles without judgement?”
Wednesday 5th November – Pensions
Many people delay thinking about pensions until later in life. Discussing them with friends or colleagues can be surprisingly useful.
Conversation starters:
- “When did you first start thinking seriously about your pension?”
- “What’s one thing you wish you’d known earlier about saving for retirement?”
- “Have you ever compared notes with others on how they’re planning for the future?”
Thursday 6th November – Children and young people’s financial capability
Money habits form early. Talking openly with children and teenagers helps them build confidence and understanding.
Conversation starters:
- “What’s one money lesson you wish you’d learned earlier and how could we share that with young people?”
- “How do you talk about saving or spending with your children or students?”
- “What’s a good way to explain the value of money to kids today?”
Friday 7th November – Jobs and working life
Work and money go hand in hand, yet salary, benefits and career choices can still feel like off-limits topics. Open discussion helps level the playing field.
Conversation starters:
- “What advice would you give someone starting out about managing money at work?”
- “How can workplaces make it easier for people to talk about financial wellbeing?”
- “What lessons have you learned during your career about navigating salary and benefits conversations?”
A final thought
Money talk doesn’t have to be awkward; it can be empowering. By sharing our stories, we not only improve our own financial wellbeing but also support those around us. This Talk Money Week, let’s take one small step towards changing the conversation.
At TISA, we’re committed to helping organisations create a culture of openness and confidence around money. Through our Money Management workshops, we support employers and their people to build stronger financial understanding, tackle money worries, and develop practical skills for everyday life. This means a happier, more confident and productive workforce.
Because when we talk about money, we open the door to better understanding, better planning, and better futures for everyone.