Blog.
Real UK money questions, answered properly. No filler.
How to budget when bills rise: a simple 4-step method for UK households
Energy bills, rents and prices can rise faster than pay. Here is a simple four-step way to see what a rise really costs you and decide where the money will come from.
Budget 2026 in plain English: what changed for your money, and what did not
A plain-English summary of the 28 October 2026 Budget for ordinary households: what stayed the same, what changed for savers, and what help is on offer with energy bills.
The £100 energy payment: who gets it, and how to spot the scam texts
The Budget announced a one-off £100 payment for some households in England. Here is who it is for, when it is due, how councils will contact you, and how to spot a scam.
Energy price cap January 2027: what could the rise cost your household?
Ofgem announces the January to March 2027 energy price cap by 25 November. Here are the main forecasts, what each could add to a typical bill, and how to work out the effect on your budget.
Personal Savings Allowance explained: how much savings interest is tax-free in the UK?
How the Personal Savings Allowance and the starting rate for savings work in the UK, how much interest you can earn tax-free, and how many savings that covers at different interest rates.
Savings tax is rising in April 2027: what changes and what it could cost you
The Budget raises tax on savings interest to 24%, 44% and 49% from April 2027. Here is what changes, what stays the same, and a worked example of what it could mean for your savings.
You just got a pay rise. Here's the one habit that decides whether it actually changes anything.
A raise lands, and a year later your outgoings have quietly grown to match it. Here's the habit that stops lifestyle creep before it starts.
Self-employed and your income is never the same two months running? Here's how to actually budget.
Most budgeting advice assumes a steady monthly number. Self-employed income doesn't work like that — here's how to budget per payment instead of per month.
We get paid on completely different days — how do you actually budget as a couple?
One of you gets paid monthly, the other in dribs and drabs across the month. Here's why that breaks most budgeting advice, and the one decision that fixes it.
How much should a self-employed person set aside for tax in the UK?
A practical, no-nonsense starting point for reserving tax as a self-employed person in the UK — Income Tax, National Insurance, and the payments-on-account trap that catches people out in year two.