Financial Education

In 2025, the average UK household spends £65/month on subscriptions – from streaming services to meal kits – yet 72% underestimate this cost by £200+ annually, according to a Which? investigation. What began as convenient “£10 here, £15 there” sign-ups now rivals mortgage payments for many. As personal finance guru Martin Lewis warns: “The death by a thousand […]

Every January, millions of Brits pledge to “save more”, “invest smarter”, or “clear debt”, yet a 2025 Financial Conduct Authority (FCA) survey reveals that 82% abandon these goals within six weeks. The issue isn’t lack of intent – it’s flawed strategy. As behavioural economist Professor Richard Thaler notes: “Self-control is a limited resource. Designing systems that outsmart […]

In 2023, the UK’s banking sector financed £15.6 billion in fossil fuel projects, equivalent to the annual carbon emissions of 8 million cars, as reported by the Rainforest Action Network. Yet, a 2024 survey by the Green Finance Institute found that 71% of Brits want their money to support environmental causes—they just don’t know how. As ethical banker […]

In 2023, the Money and Pensions Service revealed that 40% of UK adults have less than £1,000 in savings, leaving millions vulnerable to unexpected costs like boiler breakdowns or sudden job loss. As personal finance author Clare Seal writes in Real Life Money: “An emergency fund isn’t a luxury – it’s a basic necessity, like a seatbelt for […]

In the UK, 62% of adults prioritise cash savings over investments, according to a 2024 study by the Money and Pensions Service. Yet, with inflation averaging 6.7% in 2023 (Bank of England data), relying solely on savings accounts paying 3-5% interest risks losing purchasing power over time. As Dame Helena Morrissey, founder of the 30% Club, observes: “Saving […]

In the UK, 47% of adults don’t know their credit score, according to a 2023 Experian report. Yet, this three-digit number – typically ranging from 0 to 999 – can mean the difference between securing a mortgage at 4% or being rejected outright. As Martin Lewis of MoneySavingExpert bluntly puts it: “A poor credit score isn’t […]

Every January, millions vow to get their finances in order, yet a 2023 survey by NerdWallet found that 80% abandon their budget by March. The issue isn’t a lack of willpower but flawed methods. As financial advisor Elizabeth Warren writes in All Your Worth: “A budget isn’t a straitjacket – it’s a map for making choices you’re free […]