Here’s a summary of what you learnt:

• 1. Create a Budget

  Before doing anything with your money, you need to understand what you have and where it goes. Budgeting is the foundation for managing debt, saving, and investing.

  • Calculate your total monthly income.
  • List and deduct all your essential bills (rent, utilities, etc.).
  • Divide your money into ‘spending pots’ and ‘goal pots’ (like saving for a holiday or emergency fund).
  • Make sure your budget balances—if not, cut back or look to increase your income.
  • Track your actual spending against your budget every month.
  Learn how to build a budget

• 2. Manage Debt Wisely

  From credit cards to mortgages, managing debt well is critical. Some debts are helpful, others harmful — we help you handle both wisely.

  • Having some debt is okay—as long as you can manage it.
  • Favour ‘good’ debt (like a student loan or mortgage) over ‘bad’ debt (like expensive credit cards).
  • Always have a plan for paying it off, especially if you’re using credit for rewards—clear the balance in full every month.
  • Only borrow what you need—don’t overstretch, as your circumstances could change.
  • Watch out for high-interest debt—it can spiral quickly.
  • Keep an eye on your credit score to spot problems early.
  Learn to manage your debt

• 3. Start Saving

  Get into the habit of saving for big expenses and emergencies. We'll help you build a reliable savings routine that sticks.

  • Saving helps you cover bigger future expenses without relying on debt.
  • Set up different savings pots—always include an emergency fund plus pots for your short-term goals (like a holiday or new car).
  • Automate your savings with a standing order so you don’t have to think about it.
  • Make sure you’re using the best savings account for your needs.
  Learn more about saving

• 4. Invest for the long term

  Investing helps you grow your money over time. We'll demystify the basics and show you how to get started with confidence.

  • Investing grows your wealth over time and protects against inflation (think pensions or stocks and shares ISAs).
  • Make sure you’re ready to invest: do you have an emergency fund, will you need the money soon, and how much risk are you comfortable with?
  • Choose a suitable investment platform.
  • Open your account and deposit some money to get started.
  • Pick your investments—funds are a good starting point if you’re unsure.
  • Invest regularly—even small amounts add up over time.
  • Review your investments every so often to stay on course.
  Learn more about investing

• 5. Insure against key risks

  Insurance protects you from financial shocks like illness, theft, or damage. Learn what cover matters and why it’s worth it.

  • Insurance protects you from major financial shocks you might not see coming.
  • There are lots of types of insurance—work out what you really need versus what you can afford.
  • Most people have car or travel insurance, but don’t forget about important cover for your finances like income protection, life insurance, or critical illness cover.
  • Take time to think about which insurances make sense for your situation.
  Learn more about insurance