Free money resources

Your whole money year, planned in one place. Fill in the Set Up tab once and every month fills itself in. Then you just log what you spend, tick off your bills and check in. No formulas to write, no maths to do. Built for real life: • Weekly, fortnightly, four-weekly or monthly pay, and it flags when you've got an extra payday • Budget by calendar month or payday to payday • One spending log that sorts every spend into the right month, easy to use on your phone • Bills, subscriptions and a yearly bills pot, so car insurance doesn't wipe out a whole month • A debt tracker with avalanche or snowball order, 0% deals and a rough debt-free date • Savings goals that tell you how much to put away each month, plus a special occasions planner • A 50/30/20 check for every month and a Year at a Glance dashboard with charts • A money move for every month from our free 12-month guide • A filled-in example month, so you can see exactly how it works How you get it: It's a Google Sheets template, so it works on your laptop and in the free Google Sheets app. After checkout you'll get a link to make your own copy. You'll just need a free Google account. For budgeting and education, not financial advice.

Want to start investing but don't know where to begin? The GRAIN method is our five-step framework to help you start your investing journey with confidence. G – Goal: what you're investing for and when you need it R – Risk: how comfortable you are with ups and downs A – Account: ISA, Lifetime ISA, pension or GIA I – Investments: shares, funds and what you'll pay in fees N – Nurture: how to keep it going month after month What's inside this free 11-page guide: • The four biggest investing myths, busted • Fill-in worksheets for each step, plus a quick risk quiz • A jargon buster with the words you'll come across, in plain English • Your one-page GRAIN plan to pull it all together • A checklist for picking a platform and the trusted websites we rate Download it for free and take your first step. This guide is for education only and isn't financial advice. Investing puts your capital at risk.

Commit to saving for 30 days and watch it add up. The 30-Day Savings Challenge helps you build the habit of saving, whatever your financial situation. Choose your savings level and work towards your goal in 30 days. How it works: • Pick your target: £100, £200 or £300 • Follow the challenge for 30 days • Get weekly accountability emails with motivation, tips and extra resources to keep you on track Whether you're saving for a dream holiday, a new car or building your emergency fund, this challenge gives you the support you need to stay focused and committed 💰