Last updated Tue, 03-Nov-2026
Outcomes:
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Build a money picture of what comes in, what goes out, what you owe and what you have, using pay after deductions
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Write a monthly budget where every pound has a job, with sinking pots for yearly costs and a payday routine
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Review your bills using the official switching rules for energy, broadband and mobiles, and check Council Tax and water help
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Set up Direct Debits, standing orders and accounts around payday, and plan to clear an overdraft
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Check your credit reports free, fix mistakes and understand what helps and harms a credit file
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Judge borrowing by its total cost, use credit cards and Buy Now Pay Later carefully and spot illegal lenders
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Sort debts into priority and non-priority, talk to creditors and find free debt advice and Breathing Space
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Start an emergency fund and understand savings account types, the Personal Savings Allowance, ISAs and FSCS protection
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Plan for life events such as moving out, a new baby, a drop in income or separation, and use free benefits calculators
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Recognise money scams, know what to do after one, and build a full household money plan
