Money guides
Money, explained in plain English
No jargon, no filler, no pretending things are simpler than they are. Just clear answers to the questions people actually search for.
Universal Credit explainedEvery element, the 55% taper, the abolished two-child limit — and whether extra hours pay.National Insurance explainedThe rates, what you’re actually buying, and the Child Benefit trap that costs pension years.Student loan repaymentsPlans 1, 2, 4 and 5 — and why overpaying is usually the wrong move.How much to pay into a pensionWhat a contribution really costs your take-home, and the half-your-age rule.What does my tax code mean?1257L, BR, 0T, K codes and emergency codes — and the one to actually check.Salary sacrifice, explained properlyPensions, electric cars, and when sacrificing is a bad idea.The 60% tax trapWhy £100k–£125,140 is taxed so brutally, and the move that fixes it.Self-employed taxWhat to set aside, what you can claim, and the January shock nobody warns you about.What is a good salary in the UK?A more useful test than any national average.