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Understanding your money in the UK

Money in the UK

Where your money comes from

Weekly and monthly payments

The cost of living in the UK

Check your understanding: making money last

Making a simple budget

What is a budget?

Money coming in

Money going out

A simple budget template

Needs and wants

Check your understanding: spending what you have

Budgeting tools

Pen and paper

Google Sheets or Excel

The Goodbudget app

Using AI to help with budgeting

Check your understanding: choosing a tool

Using AI to help manage your money

AI can help you manage on less

What can I make with what I have?

Plan a week of meals on a budget

Find cheaper alternatives

Understanding letters and documents

Help with your budget

Check your understanding: using AI for a cheap meal

Saving, even on very little

Why saving matters

How to start saving on a low income

Where to save

Saving apps

Shopping on a budget

Check your understanding: starting to save

Banking, benefits and Universal Credit

What is Universal Credit?

Universal Credit and bank accounts

Reporting changes to the government

Child Benefit

Check your understanding: applying for Universal Credit

Things to avoid

Payday loans

Doorstep lenders

Loan sharks

High-fee money transfer services

Rent-to-own stores

Check your understanding: spotting a money trap

Where to get help

Citizens Advice

MoneySavingExpert.com

StepChange Debt Charity

Cardiff & Vale Credit Union

Local refugee support organisations

Check your understanding: a letter you don't understand

What to do in a financial emergency

You are not alone

Budgeting Advance (if you receive Universal Credit)

Waiting for your first Universal Credit payment

Food banks

Emergency funds from local organisations

What not to do in a financial emergency

Check your understanding: a financial emergency

A practical, plain-English guide to managing your money in the UK. Learn how money
works here, how to build a simple budget, how to save even on a very low income, and
where to get free help when you need it.

Managing Your Money in the UK

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