Clare Seal is the creator of the @myfrugalyear Instagram community, financial coach and author of Real Life Money (Hachette 2020) and Five Steps to Financial Wellbeing (Hachette 2022). She works to demystify and reduce shame around personal finances, discussing how mindset, privilege and circumstances contribute to our financial lives and emotional wellbeing, giving guidance on how we can resolve money worries for good. The @myfrugalyear Instagram community was founded in March 2019, and has grown a following of over 100,000 people. It mixes practical financial tips with mental health and emotional wellbeing content.