Financial planning lesson · Young & Growing Families
Financial protection: questions families can ask
Understand the purpose and limitations of financial protection without choosing a policy.
Read the guide →Family Money Matters · Learning library
Make sense of money, one step at a time.
Explore practical, free financial education for the moments that matter. Choose a topic, read at your own pace, and use a free worksheet to put ideas into practice.
Find the right guide
More ways to learn
Use our free calculators, browse Money Matters Insights, explore common questions or download an Excel workbook.
Find a guide that fits your situation
Start with a short introduction or dive into a longer planning lesson. These resources explain concepts and questions to consider, not which financial product to buy.
Not sure where to begin?
Start with one practical financial planning lesson for your situation.
Financial planning lesson · Young & Growing Families
Understanding borrowing before a family purchase
Learn to compare the real cost and risks of borrowing without a product recommendation.
Read the guide →
Financial planning lesson · Young & Growing Families
A family financial plan in six steps
Turn competing family goals into a simple plan you can revisit.
Read the guide →
Young & Growing Families
Family budget: a practical checklist
A straightforward household budget.
Read the guide →
Young & Growing Families
Emergency savings: a simple starting plan
Build a buffer for unexpected costs.
Read the guide →
Young & Growing Families
First home: financial preparation
Get ready for deposit and moving costs.
Read the guide →
Young & Growing Families
Financial protection for your family
Understand common types of protection.
Read the guide →
Young & Growing Families
Parental leave and household income
Plan for changes to pay before and after a baby arrives.
Read the guide →
Young & Growing Families
Childcare costs and support
Compare childcare options and check help available.
Read the guide →
Young & Growing Families
Saving for children
Explore savings goals and accounts for children.
Read the guide →
Young & Growing Families
Managing debt without panic
Prioritise essential bills and find free debt support.
Read the guide →
Young & Growing Families
First-home costs beyond the deposit
Understand the costs that come with buying a home.
Read the guide →
Financial planning lesson · Separation & Divorce
Pensions, property and debt after separation
Understand why assets and liabilities require careful review.
Read the guide →
Financial planning lesson · Separation & Divorce
Financial disclosure: organising your records
Understand the documents that help you explain your financial position accurately.
Read the guide →
Financial planning lesson · Separation & Divorce
Building two post-separation budgets
Learn how to make a realistic budget for two homes while arrangements are changing.
Read the guide →
Separation & Divorce
Separation and divorce: money checklist
A starting checklist for money decisions.
Read the guide →
Separation & Divorce
Joint accounts during separation
Understand practical risks and next steps for shared banking.
Read the guide →
Separation & Divorce
Housing choices after separation
Prepare questions about renting, ownership and housing costs.
Read the guide →
Separation & Divorce
Pensions and divorce: questions to ask
Do not overlook pensions when reviewing financial arrangements.
Read the guide →
Separation & Divorce
Child maintenance and household budgets
Include child-related costs in realistic household plans.
Read the guide →
Separation & Divorce
Financial documents for a fresh start
Organise paperwork before taking major financial decisions.
Read the guide →
Financial planning lesson · Start-ups & Self-Employment
Start-up funding: understanding the trade-offs
Learn the differences between funding sources before committing.
Read the guide →
Financial planning lesson · Start-ups & Self-Employment
Understanding tax reserves and record keeping
Build an organised system for business records and future tax bills.
Read the guide →
Financial planning lesson · Start-ups & Self-Employment
A start-up financial plan: cash before profit
Learn how profit, cash flow and personal living costs interact.
Read the guide →
Start-ups & Self-Employment
Start-up cash flow: a beginner’s guide
Plan cash coming in and going out.
Read the guide →
Start-ups & Self-Employment
Choosing a business structure
Understand common structures before registering.
Read the guide →
Start-ups & Self-Employment
Pricing and break-even basics
Set prices using real costs rather than guesswork.
Read the guide →
Start-ups & Self-Employment
Tax records for the self-employed
Keep orderly records and prepare for tax obligations.
Read the guide →
Start-ups & Self-Employment
Managing irregular self-employed income
Build a budget that can cope with uneven payments.
Read the guide →
Start-ups & Self-Employment
Business insurance and protection
Identify risks before purchasing cover.
Read the guide →
Financial planning lesson · Long-Term Care Cost Planning
Care planning, powers of attorney and avoiding scams
Understand the practical safeguards that support later-life decisions.
Read the guide →
Financial planning lesson · Long-Term Care Cost Planning
Care funding assessments: the process
Understand the difference between assessing needs and assessing finances.
Read the guide →
Financial planning lesson · Long-Term Care Cost Planning
Building a realistic long-term care budget
Understand how to estimate and review potential care costs.
Read the guide →
Long-Term Care Cost Planning
Long-term care funding: first steps
Understand initial care funding questions.
Read the guide →
Long-Term Care Cost Planning
Care needs assessment explained
Understand the starting point for local authority care support.
Read the guide →
Long-Term Care Cost Planning
NHS Continuing Healthcare basics
Understand when an NHS funding assessment may be relevant in England.
Read the guide →
Long-Term Care Cost Planning
Care at home versus residential care
Compare needs, safety, costs and preferences.
Read the guide →
Long-Term Care Cost Planning
Understanding care home contracts
Know which questions to ask before signing.
Read the guide →
Long-Term Care Cost Planning
Planning for a family carer
Consider the practical and financial impact of unpaid care.
Read the guide →
All pathways
Trusted UK financial and care support
Find established sources of independent support.
Read the guide →No guides match your search. Try a different word or category.
More everyday money guides
Understanding and reviewing household bills
Practical UK education about energy, broadband, water, council tax and regular household expenses.
Read more →Borrowing, credit cards and managing debt
Understand borrowing costs, minimum repayments, credit records and how to seek help when repayments are difficult.
Read more →Savings accounts, goals and financial buffers
Learn about short-term savings, interest, access restrictions and planning for unexpected bills.
Read more →Mortgage repayments and homebuying costs
A UK introduction to deposits, mortgage repayment illustrations, interest changes and ownership costs.
Read more →Understanding pensions and retirement income
Explore workplace pensions, pension statements, retirement income and common planning questions.
Read more →Consumer rights, refunds and money disputes
Practical first steps for purchases, complaints, refunds and keeping good records.
Read more →