Santa Benga and Matt Brown are a UK-based couple preparing for marriage while managing their finances smartly. Alongside their full-time jobs, they run a part-time direct selling business with Oriflame. Their journey shows how discipline, teamwork, and financial awareness can transform money habits.
Santa, 39, works in business development, while Matt, 46, is a careers advisor. They live in Plymouth with their dog, Max. The couple met during a business trip in Rome in April 2023 and quickly became inseparable.
Before meeting, both struggled with debt and overspending. Saving money was difficult, and whatever they saved was quickly spent.
Since becoming a couple, they have changed their mindset. They now focus on:
These habits have helped them clear their debts and reduce financial stress.
Santa and Matt believe trust is key in managing finances. They openly discuss money and understand each other’s financial situation.
They have also set a spending rule. Any purchase above £80 must be discussed first. This helps them stay accountable and avoid unnecessary expenses.
The couple earns a combined monthly income of around £4,700 from their main jobs. In addition, they run a direct selling business with Oriflame.
Their side business brings in between £300 and £600 per month. Their long-term goal is to earn £100,000 annually from this business within the next two years.
Their extra income is being saved for their wedding. The couple plans a small ceremony with around 35 guests in Preston.
Initially, they estimated a budget of £3,000. However, they quickly realized that wedding costs can rise unexpectedly.
Santa and Matt currently rent a four-bedroom semi-detached house for £1,300 per month. They prefer renting over buying a home.
Their reasons include:
They believe renting allows them to invest money elsewhere instead of tying it up in property.
The couple invests regularly instead of holding large cash savings. They contribute £100 per month into investments through Trading212.
Currently, their savings are low due to wedding expenses. However, they prioritize long-term financial growth through investing.
Santa does not currently contribute to a pension. Matt, on the other hand, receives income from his Royal Navy pension after 27 years of service. He also adds £90 per month to his workplace pension.
Despite this, they do not rely solely on pensions for their future. They believe in creating multiple income streams.
Santa and Matt see money as something that flows. They believe challenges can be solved with the right approach.
Their biggest motivation is helping others. This value is deeply connected to their faith and personal beliefs.
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