Real money talk from the kitchen table
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We help you extract maximum value from the systems that already exist — by reverse-engineering the maths, not by telling you to spend less.
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Articles & Guides
Index Funds vs Active Funds: The Case for Boring Investing
The majority of actively managed funds underperform their benchmark index over any 10-year period. The evidence isn't new — but the implications are worth revisiting.
50/30/20 vs Zero-Based Budgeting: Which One Actually Works?
Both methods have strong advocates. The right one depends on what you're trying to solve — not which system sounds more disciplined.
The Energy Tariff Trap: Why Loyalty Costs You More Than You Think
Energy suppliers aren't legally obliged to move you onto a better deal when your fixed term ends. Switching takes 15 minutes and could save hundreds of pounds a year.
What Is Salary Sacrifice — And Why Your Employer Probably Wants You to Use It
Salary sacrifice reduces your gross pay before tax and National Insurance — meaning both you and your employer pay less. Here's how the maths actually works.
How the UK Tax System Actually Works: A Plain-English Guide
Income tax, National Insurance, Personal Allowance, tax codes — the basics that your employer's payslip assumes you already know.
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Salary Sacrifice Employer Search
Find out if your employer offers a salary sacrifice car scheme — and run the numbers on what you'd actually save.