Money, explained simply
Plain-English guides to investing, ISAs, the stock market and personal finance — written for young people in the UK. No jargon, no hype, no financial advice.
Tax for Young Investors: Allowances Every UK Beginner Should Know
Capital gains, dividends, the Personal Savings Allowance — tax sounds scary but the basics are simple, and ISAs make most of it disappear. Here’s what a new UK investor actually needs to know.
Why an Emergency Fund Comes Before Investing (And How to Build One)
Before you invest a single pound, build a buffer. Here’s why an emergency fund is the foundation of every financial plan, how big yours should be, and where to keep it.
Budgeting That Actually Works: The 50/30/20 Rule for Gen Z
A budget isn’t about saying no to everything — it’s about deciding where your money goes before it disappears. Here’s the simplest framework that survives real life, payday to payday.
The First-Time Buyer’s Guide: Deposits, Mortgages and Stamp Duty
Buying your first home feels impossible until you break it into pieces. Here’s the full picture — saving a deposit, how mortgages work, stamp duty relief, and the schemes that help young buyers.
Risk and Diversification: Don’t Put All Your Eggs in One Basket
Every investment carries risk — the trick is managing it, not avoiding it. Here’s what investment risk really means and how diversification quietly does the heavy lifting in a good portfolio.
Crypto Basics for UK Beginners: Hype, Risk, and the FCA Rules
Crypto is everywhere on your feed — but what is it really, how is it regulated in the UK, and how do you learn about it without getting burned? A calm, FCA-aware beginner’s guide.
The Lifetime ISA: Free Government Money Towards Your First Home
Save up to £4,000 a year and the government adds 25% on top — up to £1,000 free every year. Here’s how the Lifetime ISA works, the rules and penalties, and whether it fits your first-home plan.
Index Funds and ETFs Explained (And Why Beginners Love Them)
Index funds and ETFs let you own hundreds of companies in a single, low-cost purchase. Here’s how they work, the difference between them, and why they’re the default for most new investors.
The FTSE 100 Explained: What It Is and Why It Matters
You hear about "the Footsie" on the news every day. Here’s what the FTSE 100 actually measures, who’s in it, how it differs from the FTSE 250, and whether you should care.
Stocks & Shares ISA vs Cash ISA: Which One Is Right for You?
Both are tax-free, but they do very different jobs. We break down risk, returns, time horizons, and when each type of ISA actually makes sense for a young UK saver.
How to Start Investing With Just £100 (A UK Beginner’s Guide)
You don’t need thousands to start investing. Here’s exactly how to go from £100 to your first diversified portfolio — the account, the platform, the fund, and the mindset.
Compound Interest: Your Secret Weapon for Building Wealth
Einstein allegedly called it the eighth wonder of the world. Here’s why compound interest is the single most powerful idea in personal finance — and why starting at 18 beats starting at 30.
What Is an ISA? A Plain-English Guide for Beginners
ISAs are the UK’s best-kept saving and investing secret — a tax-free wrapper anyone over 18 can use. Here’s every type explained, the £20,000 allowance, and how to pick your first one.
Put the theory into practice
Free interactive courses, calculators, and a £10,000 virtual trading simulator — no risk, no card required.