A step-by-step guide to money in the UK — no jargon, just clear answers. Start where you are, one clear step at a time — from your first payslip to your first investment.
General information, never pushy sales — and never FCA-regulated advice.
Fresh explainers on the things people actually get stuck on.
Student loan repayments come straight off your payslip, before you even see the money — but how much you pay, and when, depends entirely on which repayment plan you're on.
Your State Pension is the foundation everything else is built on, but most people have no idea how much they'll actually get or how many years of National Insurance it takes to get it.
An overdraft feels like part of your balance, but it is borrowing — often at a higher rate than a credit card. Here is what it really costs and when a cheaper option makes sense.
When an emergency fund, a holiday, a credit card and a pension are all competing for the same spare cash, splitting goals by timeframe makes the choice much easier. Here is a simple order of priority that works for most people.
Building an emergency fund is the hard part — choosing where to keep it should be simple. Here is how easy-access savings accounts, Cash ISAs and Premium Bonds compare.
Ten topics that cover the whole picture, in the order most people need them.
The building blocks: payslips, tax, bank accounts and where your money actually goes.
02Turning vague hopes into a plan with dates, numbers and next steps.
03Simple systems for tracking spending without spreadsheets taking over your life.
04Credit cards, loans, overdrafts and how to pay things off in the right order.
05How much to keep back, where to keep it, and how to build a buffer that works.
06Cash, Stocks & Shares and Lifetime ISAs explained in plain English.
07Workplace pensions, employer matching and why starting early matters so much.
08Index funds, risk, fees and long-term investing without the hype.
09Deposits, mortgage types, affordability and the real cost of buying a home.
10Life cover, income protection and the policies actually worth paying for.
Most of us left school knowing more about quadratic equations than tax codes. Money Made Simple works through UK personal finance in plain English — what each thing is, why it matters and what to do next — without hype, hard-selling or making you feel behind.
It's an independent publication, written by the Money Made Simple Team and free to read.
Money Made Simple gives general information about money in the UK. It is not FCA-regulated financial advice and does not take your personal circumstances into account. The site is free to read because it contains third-party advertising — see our Advertising & Affiliate Disclosure.