A step-by-step guide to money in the UK — no jargon, just clear answers. Start where you are, one clear step at a time — from your first payslip to your first investment.
General information, never pushy sales — and never FCA-regulated advice.
Fresh explainers on the things people actually get stuck on.
Your ISA allowance doesn't roll over — whatever you don't use by 5 April is gone for good. Here's how the £20,000 limit works and why using it every year matters.
Third party only isn't always the cheapest option — sometimes fully comprehensive cover costs less. Here's what each level of car insurance covers and how to pay less for the right one.
Student loan repayments come straight off your payslip, before you even see the money — but how much you pay, and when, depends entirely on which repayment plan you're on.
Your State Pension is the foundation everything else is built on, but most people have no idea how much they'll actually get or how many years of National Insurance it takes to get it.
An overdraft feels like part of your balance, but it is borrowing — often at a higher rate than a credit card. Here is what it really costs and when a cheaper option makes sense.
Ten topics that cover the whole picture, in the order most people need them.
The building blocks: payslips, tax, bank accounts and where your money actually goes.
02Turning vague hopes into a plan with dates, numbers and next steps.
03Simple systems for tracking spending without spreadsheets taking over your life.
04Credit cards, loans, overdrafts and how to pay things off in the right order.
05How much to keep back, where to keep it, and how to build a buffer that works.
06Cash, Stocks & Shares and Lifetime ISAs explained in plain English.
07Workplace pensions, employer matching and why starting early matters so much.
08Index funds, risk, fees and long-term investing without the hype.
09Deposits, mortgage types, affordability and the real cost of buying a home.
10Life cover, income protection and the policies actually worth paying for.
Most of us left school knowing more about quadratic equations than tax codes. Money Made Simple works through UK personal finance in plain English — what each thing is, why it matters and what to do next — without hype, hard-selling or making you feel behind.
It's an independent publication, written by the Money Made Simple Team and free to read.
Money Made Simple gives general information about money in the UK. It is not FCA-regulated financial advice and does not take your personal circumstances into account. The site is free to read because it contains third-party advertising — see our Advertising & Affiliate Disclosure.