Your Personal Finance Curriculum
A structured guide through the articles, tools, and books you need to take control of your money. Explore any chapter that interests you.
Foundations
Get your financial house in order before you start building wealth.
What you'll learn
- How to track your income and expenses
- What your take-home pay really is after tax, NI, and pension
- How to build an emergency fund and automate your finances
- A decision framework for what to do with your money, step by step
Budgeting 101
ArticleLearn the basics of tracking income and expenses to understand where your money goes.
How to Build a UK Budget
ArticleA step-by-step builder with sample household budgets, sinking funds, and a savings-rate target you can actually defend.
Take-Home Pay Calculator
See exactly what lands in your account each month after tax, NI, and pension.
Read the guide →
Emergency Fund UK
ArticleHow much you really need (3, 6, or 12 months), where to keep it, and why it is leverage rather than just a safety net.
Savings Rate UK
ArticleWhy your savings rate is the single biggest determinant of when you reach financial independence - and how to raise it.
Lifestyle Inflation UK
ArticleWhy pay rises get absorbed within months and how to defend your savings rate using the rule of 'save half'.
Automate Finances UK
ArticleA four-account setup (bills, spending, emergency, investing) and the standing orders that put your money on autopilot every month.
Automate Your Finances (Book Review)
ArticleA UK review of Ramit Sethi's I Will Teach You To Be Rich and his 6-week automation plan adapted for ISAs, SIPPs, and British bank accounts.
UK Personal Finance Flowchart
Follow the decision tree for what to do with your money, step by step.
Read the guide →
The Hidden Tax on Silence
ArticleThe cost of convenience and how inaction traps you in bad financial products. A foundational mindset piece.
What to Do When You Inherit Money
ArticleA step-by-step UK timeline for managing an inheritance - from parking the cash to investing it.
Best Savings Account UK 2026
ArticleEasy access vs fixed bonds vs Cash ISAs, the Personal Savings Allowance, and how to actually beat inflation on cash.
Credit Score UK
ArticleThe three credit reference agencies, what actually moves a score, and how to improve damaged credit in 3-12 months.
Workplace Pension Auto-Enrolment
ArticleThe 8% minimum, why opting out is a mistake, and how to maximise the employer match.
Enjoying the content?
If this site has been useful, a coffee goes a long way.