STEP 1 · YOUR MONEY HEALTH SCORE

How healthy is your money?

Take our free 3-minute UK Money Health Score to see where you stand and what to work on next.

Get my Money Health Score →Or take the 5-minute Money MOT →

WHAT DO YOU WANT TO IMPROVE?

Save moneyCut costs and keep more Make moneyBuild realistic extra income Clear debtMake a repayment plan Grow moneyBuild savings for later

No sign-up for toolsOptional saved figures stay on your deviceUK-focused informationClear assumptions, not promises

WHAT WOULD HELP YOU TODAY?

Choose a free tool for your next money decision

See all free tools →

Save £100 this monthFind realistic monthly savings Explore extra incomeFind practical options that fit your situation Cut my billsReview regular household costs Get out of debtPut repayments into a plan Get through to paydayCheck bills and essentials before you are paid again Build emergency savingsCalculate a target and a monthly saving plan Reach a savings goalTurn a target into monthly steps Understand my financesTake the 5-minute Money MOT

Or start with a monthly target

£50 £100 £200 £300 £500 Other

YOUR MONEY PATH

Know what to work on next

Six simple stages connect our tools and guides. Start where you are and move at your own pace.

1 · KNOWSee where you standMoney Health Score & Money MOT 2 · FINDFind money you're losingMoney Finder & bill reviews 3 · CONTROLTake control month to monthBudget & private dashboard 4 · CLEARMake a plan for debtDebt Planner & guidance 5 · BUILDBuild financial resilienceEmergency fund & savings 6 · GROWGrow income and moneyExtra income & longer term

Make payday a useful reset. Check this pay cycle or return to your private dashboard.

Your Payday Reset → · My Money Dashboard →

STEP 2 · YOUR MONEY MOT

Want to see the actual monthly numbers?

The Money MOT is the deeper second step. Put your income, spending, savings and debt in one place to see whether you have money left each month or a shortfall, then get practical next steps.

Take the 5-minute Money MOT →

New and updated

Recent practical guides and tools. New guides published 7 October 2026.

Side hustle tax

Allowance rules, registration dates and the missed-deadline route.

Should you fix your energy tariff?

Compare annual costs, exit fees and price certainty.

Take-home pay comparison

Compare salary-sacrifice scenarios with clear 2026/27 assumptions.

Four ways forward

Choose the part of your money life you want to work on.

Save Money

Everyday ideas, bills, food, subscriptions and challenges.

Make Money

Quick cash, selling, side hustles and skills.

Clear Debt

Understand the numbers and see a route forward.

Grow Money

Emergency savings, ISAs, pensions and investing basics.

Useful tools, not just articles

Do the maths in your browser. Print or save the result if you want to keep it.

All tools →

Find Me Extra Money

Build a practical plan around a monthly target.

Debt Planner

Add several debts and compare repayment approaches.

Subscription Audit

See the monthly and annual cost of recurring subscriptions.

Savings Goal

Estimate how long a savings target could take.

POPULAR GUIDES

Practical help for the next money decision

Clear UK guides for saving more, making more and getting your finances under control.

Explore all guides →

How to save £100 a month

Find realistic savings across subscriptions, groceries and household bills.

Make an extra £100 a month

Explore practical ways to add income without relying on unrealistic promises.

Debt or savings first?

Understand the trade-offs and decide what deserves priority.

Try a no-spend challenge

Use a short challenge to spot habits and reset optional spending.

Things you can do today

Small actions are still actions.

Browse money ideas →

Save £1 today

Move £1 to a separate pot if your budget allows.

Audit one subscription

Check whether one recurring payment still earns its place.

Try a no-spend day

Choose one day for no non-essential purchases.

List one unused item

Turn something you no longer need into potential one-off cash.

FREE CHALLENGES

Pick one small challenge and finish it.

Try a 7-Day Money Reset, £1-a-Day challenge, Debt Attack checklist or Make Your First £100 plan. Print a copy rather than creating an account.

Free printables →

Can't cover essential bills or minimum debt payments?

Start with essential costs and priority debts. Free, independent UK debt help is available. We keep this route free of sales pressure.

Get the right starting point →