RESOURCES
Useful on paper. Useful in real life.
Six free worksheets to help you turn a money question into a next step. Open one, use it alongside your own notes or print a copy. No signup required.
Monthly money check-in
See what changed this month and decide what needs your attention next.
For: Anyone who wants a regular routine without building a complicated spreadsheet.
Inside: your starting picture; the month ahead; your next step.
Spending review
Find the patterns in a real month of spending before setting new limits.
For: People whose bank balance feels disconnected from their everyday purchases.
Inside: gather the numbers; sort without double counting; make a decision.
Emergency-fund planner
Turn an uncertain savings ambition into a first target you can review.
For: People starting or rebuilding accessible savings.
Inside: name the risk; map your starting point; choose an affordable pace.
Debt information and priority worksheet
Bring the facts together before deciding your repayment priorities with support.
For: Anyone with several repayments, arrears or letters they are unsure how to handle.
Inside: record each debt; flag urgent information; prepare for advice.
Beginner-investing checklist
Find the questions you need to answer before putting money at risk.
For: First-time investors who want a decision process rather than a product tip.
Inside: your circumstances; what you are considering; the final checks.
Income-growth plan
Prepare a specific next move in your career, with evidence to support it.
For: People planning a pay discussion, a job move or a focused learning project.
Inside: pick the direction; build your evidence; take the next step.
When an official tool or adviser is the better next step
MoneyHelper budget planner
A free tool to help you map income and outgoings. Keep your actual bills and statements nearby.
Free, confidential debt support
Find a trained debt adviser through MoneyHelper. You do not have to work it out alone.
FCA InvestSmart
Learn about investment risks, diversification and checks to make before investing.
GOV.UK: ISAs explained
Read the current eligibility rules, allowances and tax treatment at the official source.
National Careers Service
Explore skills, job applications and decisions about your next career step.