Stretch your salary further.
Practical UK budgeting — what good looks like at £25k, £40k and £60k, plus tools for energy bills, council tax bands and benefits you might be missing.
Guides
Published guides in this section — free to read.
How to budget in the UK in 2026: a complete guide
A complete 2026 UK budgeting guide: the 50/30/20 rule adapted for British costs, worked examples for £25k and £35k salaries, and how to cut your biggest bills.
Read the guide →The £5-a-day rule — how pocket change becomes £500k by retirement
A daily coffee costs £5. Skip the daily coffee and put £5/day into a Stocks & Shares ISA from 18 to 65 — you end up with around £800,000. Here's the maths.
Read the guide →Guides we're working on
These are being researched and written now — check back, or subscribe below to be told when they go live.
50 ways to save money in the UK 2026
Painless savings on energy, supermarket shops, subscriptions, banking and travel.
How to budget on a £25k starter salary
Two worked monthly budgets on the same take-home pay — one lower-rent city, one high-rent area.
Universal Credit explained
Who can claim, how much you get, and how the taper actually works.
Council Tax reduction — am I eligible?
Discounts, exemptions and how to challenge your band.
Free childcare in England — 2026 update
The 15 and 30 free hours scheme, eligibility and how to apply.