Opening a UK bank account can feel frustrating when you’re new to the country — especially if you’re asked for a utility bill that you simply don’t have yet. The good news is: it is still possible to open a UK bank account without a utility bill. This guide explains how, what documents you can […]
You often hear “inflation is rising” or “interest rates are high”, but what impact does that have on your savings? This guide explains inflation and interest rates in simple terms, how they interact, and why they matter for anyone trying to save money in the UK. What Is Inflation? Inflation is the rate at which
Inflation, Interest Rates, and Your Savings: What UK Savers Need to Know (2026) Read More »
Everyone’s savings journey is different — but looking at the numbers can help you understand how typical savings vary as people get older in the UK. These figures also show why starting to save sooner rather than later is such a powerful financial advantage. 📊 Average Savings in the UK by Age (2026) According to
What Is the Average Savings Amount in the UK by Age? (2026) Read More »
Starting university often means managing money independently for the first time. At some point, many students ask: Should I get a credit card? The honest answer is: it depends on how you plan to use it. Credit cards can be helpful tools — but they can also cause long-term financial stress if misunderstood. This guide
Should Students Use Credit Cards? A Practical UK Guide (2026) Read More »
Spending money isn’t the problem — how you spend matters. Used properly, debit and credit cards can help you stay organised, track spending, and even earn small benefits. Used poorly, they can lead to overdrafts, debt, and stress. This guide explains how to practise bright spending — spending intentionally and responsibly — using debit and
Bright Spending: How to Use Debit and Credit Cards Wisely in the UK (2026) Read More »
Credit scores are often talked about — but rarely explained properly. Many people worry about their credit score without understanding what it is, how it works in the UK, or what actually affects it. This guide explains credit scores in simple terms, without jargon or fear. What Is a Credit Score? A credit score is
How Credit Scores Work in the UK (Beginner Guide 2026) Read More »
Credit cards are often misunderstood. Some people avoid them completely. Others use them without fully understanding how interest works — and end up paying far more than expected. This guide explains credit cards in simple terms, including how they differ from debit cards, how interest works if you only pay the minimum, and the real
Credit Cards Explained: Debit Cards, Interest, Pros & Cons (Beginner Guide 2026) Read More »
Everyone makes money mistakes — especially at the beginning. The problem isn’t making mistakes.The problem is making the same expensive mistakes for years without realising it. This article highlights the most common money mistakes young people make and how to avoid them before they become habits. 1️⃣ Thinking Saving Can Wait Many people believe: “I’ll
Money Mistakes Young People Make (And How to Avoid Them Early) Read More »
Many people believe they should wait until they earn “real money” before saving. In reality, when you start saving matters far more than how much you save. Starting at 18 — even with small amounts — can put you far ahead of someone who starts later with more money. This article explains why, in a
Why Starting to Save at 18 Beats Saving More at 30 Read More »
Managing money can feel confusing at first, especially when people start talking about interest. But interest is actually one of the most important ideas to understand if you want to save smarter and avoid unnecessary debt. In this guide, we’ll explain simple interest, compound interest, and the power of interest in plain English — no
What Is Interest? Simple Interest, Compound Interest & Why It Matters Read More »
