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SimpleMoney:
The UK Personal
Finance Guide

Everything you need to know about saving, investing, mortgages, pensions, ISAs and tax — explained in honest, plain English. No jargon. No waffle. Just the stuff that actually makes a difference.

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FREE
The UK Personal
Finance Guide
Christian Pearson

💚 This guide is completely free. If you find it useful, buying us a coffee helps keep SimpleMoney.live running for everyone — and we'd really appreciate it!

What's inside
10 chapters. Everything covered.

From understanding your money for the first time to building long-term wealth — this guide covers the complete picture of UK personal finance.

Intro
Why this guide exists
How to use this guide and what to expect — a plain-talking introduction.
Ch 1
Understanding Your Money
Net worth, income, expenditure, inflation and the financial foundations framework.
Ch 2
Budgeting
The 50/30/20 rule, how to build a budget that works, and the emergency fund.
Ch 3
Savings
Types of savings accounts, AER explained, finding the best rates and FSCS protection.
Ch 4
ISAs
Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs, Junior ISAs and how to use them.
Ch 5
Mortgages
LTV, fixed vs tracker, stamp duty, first-time buyer schemes and remortgaging.
Ch 6
Debt
Avalanche vs snowball, balance transfers, student loans and smart repayment strategies.
Ch 7
Investing
Compound growth, index funds, diversification and the ISA investment strategy.
Ch 8
Pensions
State pension, workplace pensions, auto-enrolment and how much you really need.
Ch 9
Insurance
Life insurance, income protection, buildings & contents — what you actually need.
Ch 10
Tax
Income tax, CGT, pension relief and the commonly overlooked reliefs most people miss.
Final
Your Action Plan
A practical this-week, this-month, this-year action plan to put it all into practice.
Who is this for?
Anyone who wants to feel in control of their money.
🌱
Complete beginners
Never thought much about money before? This is the perfect starting point — no assumed knowledge.
🏠
First-time buyers
Saving for a deposit? Confused by mortgages? Chapters 3 and 5 were written for you.
👨‍👩‍👧
Young families
Juggling a mortgage, childcare and trying to save? This guide helps you find the right priorities.
💼
People approaching retirement
Wondering if your pension is on track? Chapters 8 and 10 cover everything you need to know.
About the author
Written by someone who built this site for you
👤
Christian Pearson
Founder, SimpleMoney.live
I built SimpleMoney.live because I believe everyone deserves access to clear, honest financial information — not just people who can afford a financial adviser. This guide is everything I wish someone had explained to me clearly and simply. It is written in plain English, focused entirely on the UK, and designed to be genuinely useful rather than impressive-sounding. I hope it helps.
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