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No. 13
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No. 1319 lessons
Follow your money from payslip to pension with real 2026/27 UK figures. Learn why moving into a higher tax band doesn’t re-tax the pay below it, which debt to pay first, how interest compounds against you and for you, and what ISAs, workplace pensions and the State Pension are really worth. Each lesson works through a real household decision and shows where free guidance takes over.
Recommended orderLessons build on earlier ideas. Follow the numbers as you read.
See where your pay goes before it reaches your account: tax bands, your tax code, National Insurance and student loan deductions.
10 steps
Work out what you own minus what you owe on a given date, and see why a big salary and a full bank account are different things.
9 steps
Find the lowest point your balance reaches before payday, give every pound one job, and automate only what the dates support.
9 stepsBuilds on The Net Worth Snapshot
Rebuild an energy charge from units, rates and days, and tell a change in price, usage or payment apart.
12 stepsBuilds on Money Has a Date
Size a cash reserve from the costs you can’t stop, start with a buffer you can fund, and keep it where a recession can’t shrink it.
11 stepsBuilds on Money Has a Date
Put debts in order by what happens if you miss them, then by rate, and see how a purchase can lose its value before its loan is paid.
8 stepsBuilds on Sizing Your Emergency Fund
Follow one card balance month by month to see where each payment goes, why paying a little more helps so much, and why the minimum crawls.
9 stepsBuilds on Which Debt Comes First?
See how each mortgage payment splits between interest and the loan, what an overpayment really saves, and what happens when a fixed rate ends.
12 stepsBuilds on The Mechanics of Compound Debt
Learn what lenders actually see, what moves it, and how to check and correct your file before you apply for credit.
12 stepsBuilds on Which Debt Comes First?
See why a student loan behaves like a tax on earnings, when its balance matters, and who actually saves money by paying extra.
10 stepsBuilds on Decoding the Payslip, The Mechanics of Compound Debt
See what growth on growth does to a sum over decades, use the Rule of 72, and read any growth figure for the assumptions behind it.
8 stepsBuilds on The Mechanics of Compound Debt
See why money in cash loses ground, what tracking a whole market buys you, what spreading your money can’t do, and what a charge costs over time.
10 stepsBuilds on The Mechanics of Compound Growth, Sizing Your Emergency Fund
Separate the investment from the tax wrapper around it, and compare what ISAs, Lifetime ISAs and pensions give you and cost you in access.
11 stepsBuilds on What Is an Index Fund?
See the three taps that fill a workplace pension, what opting out really returns to you, and how to weigh a match against a debt.
10 stepsBuilds on Decoding the Payslip, The UK Wrapper System (ISAs & Pensions)
Find the hidden 60% Income Tax band and the Child Benefit taper, and use the course’s dated 2026/27 figures with their conditions.
12 stepsBuilds on Decoding the Payslip, Capturing the Pension Match
Size the money gap that death or a long illness would leave before choosing any cover, and check the legal arrangements behind it.
11 stepsBuilds on Sizing Your Emergency Fund
Turn the spending you’ll need into a pension pot target: count the State Pension first, then use a 4% assumption with its limits.
11 stepsBuilds on The Mechanics of Compound Growth, Capturing the Pension Match
See why the order of good and bad years matters once you start withdrawing, who carries which risk in an annuity or drawdown, and how withdrawals are taxed.
10 stepsBuilds on How Big a Pot Is Enough?
Follow one pay rise through the whole plan: what it’s really worth, what a rent rise takes, and where the rest should go first.
11 stepsBuilds on Decoding the Payslip, Money Has a Date, Capturing the Pension Match