Hi, I'm Neha.

I grew up in central India, in a small town that even now seems to exist slightly outside of time. My family was working middle class. Money was never discussed - it simply existed as a background condition, sometimes tighter, sometimes less so, quietly shaping every decision.

I lost my mother when I was ten. Losing a parent young does something to the way you relate to security and independence - to the bone-deep certainty that you must be able to stand on your own feet, because you have learned, earlier than most, that the ground can shift without warning.

That's partly why I trained as a Chartered Accountant. I liked mathematics, and I liked that the pass rate was around two percent. I believed it would give me lifelong financial security. I qualified, started working, and then, in 2006, moved to London - pulled by a desire to see the world.

What nobody tells you when you arrive

When you move to a new country there is so much to figure out at once. New home, new job, new culture, new everything. In the middle of all that, the financial system becomes background noise - until, years later, you realise the noise was costing you a lot.

I lost the better part of a decade in tax savings, investment opportunities and financial growth - more than £100,000 of money that was rightfully mine. Not because I was reckless, but because no one had handed me the map.

Financial independence, I've learned, is a skill that must be learnt step by step. That's what Steady Steps Finance is for: to hand you the map I never had.

The garden taught me everything

In my free time I'm a gardener. Nothing impressive - a few pots, a small patch. But it's where I learned the rhythm I now bring to coaching: water steadily, notice quietly, and trust that growth happens in its own time. You can't rush a seed. You can only give it good conditions, and keep showing up.

That's how we work together. Straightforward. Concise. Welcoming. One step at a time - until the path you couldn't see becomes the path you're already on.

A note on what I am and am not

Everything I share is for educational purposes. It is not regulated financial advice, and it is not a substitute for speaking with a solicitor, an IFA or a benefits adviser about your specific circumstances. Where I think you need one of those, I'll say so directly.