Three example results.
What the three modules deliver – as you get them in planix.
Idea, concept test, founding plan.
This is how you see it in planix: read, tick off tasks, download.
Develop the ideaYour idea Budget coaching for young families
Young families in Norwich pay once for 3 kitchen-table sessions in which their budget takes shape.
- Company
- Money Calm Norfolk
- Project
- Budget coaching for young families in Norwich
- As of
- 10.10.2026
1At a glance
Experience in finance administration and four helped families are in place, and money often gets tight for young families. Still open are the embarrassment in the first session and whether families pay £175.
| For whom | Young families with children under ten in Norwich and the surrounding area |
| Problem | By the 20th we are overdrawn, and nobody knows exactly where the money went. |
| Solution | 3 sessions at home: map spending, set a budget, adjust after 3 months |
| Price | £175 per family for 3 sessions, paid once |
| Stage | 4 families helped for free · no paying customers |
2Value proposition and target customer
You know every month where your money goes, and keep up the budget yourselves afterwards.
Who buys first
| Who | Parents who have just had a child in Norwich; alongside them families with a mortgage |
| Situation | One income drops, childcare and fixed costs rise |
| Frustration today | Arguments about money, bills left lying, no overview of spending |
| Buys through | Nurseries and schools, evening sessions |
3Problem and alternatives
With the first child one income often drops, and childcare and fixed costs rise. By the 20th the money has run out, but nobody knows exactly where it went. Bills are left lying, and talking about money ends in arguments.
| Budgeting app | Keeping it up takes discipline, given up after a few weeks |
| Free money help | Waiting times, aimed at debt, a hurdle to ask |
| Making your own overview | No comparison, no check after a few months |
| Kitchen-table coaching | Budget with a template, adjusted after 3 months – not yet tested |
4Business model
The family books 3 sessions at home and pays £175 once. The first session maps spending, the second sets the budget, and after 3 months comes the adjustment. The family keeps the template.
| Price excl. VAT | £175 |
| Cost per sale | £25 |
| Left per sale | approx. £150 (86%) |
Calculation from your figures: travel to 3 sessions £20, printing the template £5 per family, no VAT below the £90,000 registration threshold.
5Business Model Canvas
Fields marked as a suggestion or open are the ones you confirm in your next conversations.
Nurseries, council debt help for emergencies
suggestionMapping spending, setting a budget, adjusting
statedExperience in finance administration, own template
statedOverview of the money, a budget without outside help
statedFirst session without judgement, evening sessions
suggestionChoose the route to families
openYoung families with children under ten in Norwich
statedTravel, printing the template
suggestion£175 per family, paid once
stated6What is still open
The idea rests on 4 assumptions. The first to check is whether families with tight money pay £175.
First. Families with tight money pay £175 even though budgeting apps are free. So far there is only your calculation, which is not proof. Check: offer 3 sessions to 8 families, target 2 bookings.
First. Families show their spending to someone they do not know. So far there is no approach for the first session. Check: first session by video with 3 families, target 3 show their bank statements.
Then. Families keep up the template themselves. So far only you use it. Check: have 3 families keep the template for 4 weeks, target 2 fill it in every week.
Later. You manage the sessions on 2 evenings a week. So far the time per family has not been measured. Check: track the time for the first 3 sessions, target under 2 hours per session.
Already in place
- Trained in finance administration
- Template for tracking created
- Price for 3 sessions set
Fictional examples People and companies are fictional. The authorities, thresholds and deadlines are real.
Questions
Usually yes – you can be employed and self-employed at the same time. Whether you need your employer’s consent, or may not compete with them, is in your employment contract. Read it before you start.
Yes, once you earn more than £1,000 from self-employment in a tax year (6 April to 5 April). You register for Self Assessment by 5 October after the end of that tax year. You need your National Insurance number for it.
As much as you have. In «Develop the idea» you state how much time and budget you have – planix plans with it. You can pause and continue at any time.
Only once your taxable turnover over the last 12 months passes £90,000. Below that, registering is voluntary – for example to reclaim VAT on your costs.
Develop the idea free, Test the idea free, Found your company free – no subscription.
When your business covers your living costs – you decide. «Business & financial planning Pro» calculates the numbers: is the profit enough for your household?
Because registration, thresholds and deadlines differ from country to country. The example is therefore a UK case, and planix writes your own documents for the UK too – with HMRC, Self Assessment and VAT.
No. They are simulated target persons, marked as such in the document. Real conversations follow with the questions in chapter 4.
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