Transform Your Finances in 12 Months

Twelve Months, Twelve Moves

What's inside

01The Money Reality Check+

List your income and expenses, then review the last 3 months of bank statements.

02The Budget That Fits+

Split spending with the 50/30/20 rule and set up separate savings pots for each goal.

03Your Rainy Day Fund+

Open an easy-access savings account and start a pot for real emergencies only.

04Debt Detox+

List every debt you have and pay it down using the avalanche or snowball method.

05The Subscription Purge+

Cancel subscriptions you don't use, and renegotiate bills like phone and broadband.

06Your First Investment+

Learn the basics, pick your account and start small with money you can leave for five years or more.

07The Income Boost+

Boost your income with a side hustle, a pay rise, or selling things you don't need.

08The Insurance Health Check+

Shop around and switch providers for cheaper life, home and car insurance.

09Credit Score Glow-Up+

Check your credit report for errors and keep your credit utilisation below 30%.

10The Big Goals Plan+

Set clear financial goals and break them down into smaller, trackable milestones.

11The Money MOT+

Book a money date, compare where you are now with month one and celebrate your wins.

12The Future-You Plan+

Check in on your pension and think about writing a will. Future you will thank you.

Four Moves Worth Getting Right

The Money Reality Check

Know your income, spending and debts before you make a plan.

Your Rainy Day Fund

Boiler broke? That's what it's for. Build a pot for real emergencies.

Your First Investment

Time in the market beats timing it. Start small and think long term.

Credit Score Glow-Up

A better credit score means cheaper borrowing and more options.