Money Basics, without the lecture.
Budgeting, saving, interest, credit and debt — 7 short chapters (36 minutes total) that make everything else on this site make sense.
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- 01Chapter 01/BeginnerContinue here
Where your money actually goes
A budget is a plan, not a punishment
Split every payday into three buckets so you always know what is spendable.
5 min read - 02Chapter 02/Beginner
Your safety cushion
The boring account that makes investing possible
Why three to six months of costs in cash is the thing that keeps you invested.
5 min read - 03Chapter 03/Beginner
Interest works both ways
The snowball that either feeds you or eats you
Compounding explained with numbers small enough to picture.
6 min read - 04Chapter 04/Beginner
Credit without the trap
Borrowing is a tool, not a personality test
How credit scoring works in Europe and the UK, and how to keep yours healthy.
5 min read - 05Chapter 05/Beginner
Paying off debt in the right order
Avalanche, snowball, and which one you'll stick to
Two proven methods, and why the one you finish beats the one that's optimal.
5 min read - 06Chapter 06/Beginner
Match the money to the timeline
Cash for soon, markets for later
The one rule that decides whether money belongs in savings or investments.
5 min read - 07Chapter 07/Beginner
Put it on autopilot
A system beats motivation every time
Turn your plan into four standing orders and a yearly check-in.
5 min read
Illustrative figures · Regulation: FCA / ESMA · Education, not financial advice.