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Practical Money Guides
The 50/30/20 Budget Rule
Spend 50% of your take-home pay on needs (rent, food, bills), 30% on wants (eating out, subscriptions), and save 20%. It's a simple starting point for anyone who's never budgeted before.
Emergency Fund First
Before investing or overpaying your mortgage, build a buffer of 3–6 months of essential expenses in an easy-access savings account. This protects you from unexpected job loss or bills.
Best savings ratesCheck Your Direct Debits
The average UK adult wastes £624 a year on subscriptions they no longer use. Log into your bank app and review every direct debit — cancel anything you haven't used in the last month.
Know Your Benefits
Billions of pounds in benefits go unclaimed in the UK every year. Use the official benefits calculator on GOV.UK to check what you're entitled to — it takes about 10 minutes.
Benefits calculatorPension: Don't Leave Money Behind
If your employer offers pension matching, always contribute at least enough to get the full employer contribution. Turning it down is effectively handing back part of your salary.
Check Your Credit Report
Your credit report affects your ability to get a mortgage, loan or even a mobile phone contract. Check it for free with Experian, Equifax or TransUnion — errors are more common than you'd think.
Free credit checks