You might feel more at ease chatting over a cup of tea, as you go for a walk or at your kitchen table, so you can lay out any paperwork. Try to minimise interruptions; put phones on silent.

Sometimes the hardest part of having a conversation is knowing how to start. Once you’re past the first few seconds, you might be surprised by how easily the conversation flows. If you see a news bulletin relevant to your situation, use this as a springboard to initiate a conversation – it’s a useful way to break the ice and to remember that many people are in the same boat right now.

Try to make sure you go into the discussion with an open mind, being prepared to take in the other person’s point of view. Hearing one another’s standpoint in a respectful way can make the difference between having a constructive conversation versus an unproductive argument.

Try not to have preconceptions about whom you should have these conversations with. You might find it easier to speak to someone who may not be directly impacted by your money worries, like a friend or professional.

Give them a good idea of why this is so important to both you and them. Paint a picture of the type of life you want to live, and how you plan on getting there through your choices with money management.