Practical advice on saving money, budgeting, building financial confidence, and improving your long-term financial habits. Ideal for anyone looking to strengthen their personal finances.
The festive season should feel warm, cosy and full of connection, yet for many families it has quietly become one of the most expensive times of the year. Gifts often take up the biggest part of the December budget, especially when you try to buy for everyone and still keep
As we step into a new year, many people start thinking about improving their financial wellbeing. Setting goals is a positive first move, yet research suggests that many New Year resolutions do not last beyond February. Often, this happens because the goals are vague, difficult to measure or hard to
Many young professionals today find themselves relying on credit to bridge monthly gaps. A third of UK 25-34-year-olds now have “negative wealth”, debts exceeding assets, with average net debt over £8,000. Younger adults often juggle tighter budgets (rent, student loans, bills) and report using overdrafts or loans just to make
Black Friday is a chance to grab great Black Friday deals, but it can also tempt us into overspending. For young professionals on tight budgets, it pays to shop mindBlack Friday is a chance to grab great Black Friday deals, but it can also tempt us into overspending. For young
Buy Now, Pay Later (BNPL) has surged in popularity among young people in the UK, becoming a go-to way to shop online without paying the full cost upfront. In fact, BNPL is now the second most common form of borrowing among young Brits, second only to credit cards. As more
Social media platforms are playing an outsized role in how young people in the UK learn about money. In fact, a recent Santander UK study found that around one-third of 18 to 21 year olds now turn to social media finfluencers for financial guidance. These influencers share videos on TikTok,
Premium Bonds are one of the UK’s most popular savings products. They are backed by the government, offer the thrill of monthly prize draws, and any winnings are tax free. But are Premium Bonds really a good investment? Or could your money work harder elsewhere?In this guide, we explain how
According to the FCA Financial Lives Survey, over 40% of UK adults aged 20–29 have less than £1,000 in savings, and many have none at all. This lack of financial safety net can make it harder to cope with emergencies or take advantage of future opportunities.As part of UK Savings
Only 26 per cent of young adults in the UK recall receiving any form of financial education in school (source). And yet, they’re expected to navigate rent, bills, taxes, credit, and savings without that foundational knowledge. So why do so many young people struggle to budget? The answer is not