Practical guides on pensions, ISAs, tax, and planning your financial future. No jargon, no sponsored content.
Everyone tells you to stick it in an ISA. Hardly anyone explains which one, how much, or why. Here's how ISAs work in the UK, and the steps to open your first one.
PensionsMost people answer with a round number that sounds about right. Here's how to get an actual figure from your own spending, and what to do with it while you're still building the pot.
Net WorthMost people can't state their net worth with any accuracy, usually because they're not sure what counts. Here's what belongs in the number, what belongs against it, and why the total is worth working out.
Financial PlanningDie without a will in England and a court decides who raises your children and how your money gets split, not you. Here's what actually happens, and the handful of decisions that matter once you sit down to write one properly.
Tax PlanningAsk most people the highest tax rate in the UK and they'll say 45%. The real answer, for a chunk of earners between £100k and £125,140, is 60%, sometimes 62%. Here's why, and what to actually do about it.
Net WorthAlmost everyone serious about their finances ends up building a spreadsheet to track their net worth. Five versions and a couple of years in, here's what it gets right, and exactly where it quietly falls apart.
PensionsIf you've had two or three jobs in the last decade, there's a good chance you're sitting on a pension pot you can't describe: no idea of the balance, the charges, or where it's invested. Here's why that matters and how to fix it.
Financial PlanningIf something happened to you tomorrow, could your partner find every account, policy, and password within an hour? Most people can't. Here's what to actually document, how to store it safely, and a checklist to fill in yourself.
Financial PlanningBefore ISAs, pensions, or any investing, there's a boring list of protections most people in the UK skip entirely. Here's what actually matters, the order to do it in, and a few extra things worth knowing if you've moved here from somewhere else.