Guides
Money questions, answered in plain English
Longer reads for the big decisions — no jargon, no sales pitch. Each guide walks through the idea, a worked example, and the free calculator that does the maths for you.
How much do you actually need to retire?
The 4% rule, the 25× shortcut, and how spending, age, inflation and pensions change your number — with a worked example.
Read guide → 02Snowball vs avalanche: the fastest way out of debt
How each payoff method works, which clears debt cheapest, which keeps you motivated, and a step-by-step plan to start today.
Read guide → 03Investing for beginners: the boring way that works
Why cash quietly loses, how compounding and index funds work, the fees that silently cost a fortune, and five steps to start.
Read guide → 04How to stop inflation eating your savings
Why "safe" cash quietly loses, what that costs over 20 years, where inflation helps you, and a five-move defence plan.
Read guide → 05How to build your first budget (and stick to it)
The 50/30/20 rule, finding your real numbers, and the payday automation that replaces willpower entirely.
Read guide →Prefer to just run the numbers?
Every guide is backed by a free calculator. Jump straight to the desk.
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