five conversations to have this Talk Money Week 

Talk Money Week, taking place on November 3-7, encourages us to do something that we might not always feel comfortable doing – have conversations about money.  

And despite the nature of the job, chartered accountants aren’t any different when it comes to stigma around money talk. The expectation to be knowledgeable, responsible, and to have your finances sorted is more than a little overwhelming and can often make it harder for those who work in finance to talk about it. 

Here's five conversation prompts to get you – and those around you – talking about your finances. Whether you’re talking to a friend, partner, relative, or just being honest with yourself, breaking down barriers and removing stigma starts by having the awkward talks. 

“How confident you are with next month’s bills?”  

It’s easy to assume everyone’s managing fine, but that’s not always the case. Sharing your own experience first, for example, “I’ve noticed my energy bill has gone up again”, can make it easier for others to open up, too. 

This might seem like a simple exchange, but honest talks like this help break the silence and reminds both of you that you’re not alone in feeling the pressure. 

If the conversation reveals real worry about heating or household costs, remember that help is available. caba’s grants can support ICAEW members and their families with heating costs, essential repairs, and everyday bills. 

“What’s the best and worst piece of money advice you’ve ever had?” 

This one’s a lighter way to talk about finances without it feeling too serious. You might share something you were told growing up, or a piece of advice that worked (or didn’t). It acts a reminder that everyone’s approach to money is different, and that no one gets it right every time. 

“Have you sorted out your home repairs or heating for winter yet?”  

Practical questions like this are often the easiest to ask, especially with friends, neighbours, or older relatives. It’s really a conversation about care, not just money. 

They might be able to share some cost-saving hacks with you, or perhaps you could point them in the direction of caba’s energy grant and financial support, if they’re eligible. 

For many, that small nudge can make a big difference in comfort, safety, and peace of mind over the colder months. 

“If something changed (income drop, illness, caring for someone), how would your finances cope?”  

Life can change suddenly, and even the most financially savvy people can find themselves unprepared. Having these conversations with a partner or friend can help you think about what support networks or plans you might already have, and where you might need extra help. 

If you do find yourself feeling unprepared, or in need of financial support, caba is here to help ICAEW members and their families with grants and practical help when things feel a little uncertain. 

“Do you know where you’d go for free help or advice if money got tight?” 

So many people don’t know where to turn until they’re already in crisis – or don’t feel as though they can get help – and talks like this can help break the stigma. 

If they’re eligible, you can explain that explain that caba offers confidential, free support to ICAEW members, and their close family. Many people in the ICAEW community don’t realise they can access caba’s services, raising awareness helps reassure them that support is always there. 

Worried? Talk to us!  

We know having these conversations with someone you know, especially if you’re not used to talking about money, can be difficult. And while we at caba can’t offer financial advice, we can listen to your concerns and signpost you to relevant support and information to help you through it. 

Get in touch with us today, and see how we can help you.