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The map I never had: UK personal finance blog
Long-form, plain-English writing on UK personal finance, money coaching, ISAs, pensions and tax. Free, always.
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Joint Tenants vs Tenants in Common: The Question Every UK Couple Should Ask
A plain-English guide to the two ways of owning property together in the UK, and why the tick box at the bottom of the form matters more than it looks.
Read the post →How to Prepare for Your LPA: Questions to Ask Yourself and a Step-by-Step Guide
Before you open the gov.uk tool, do the thinking first. A personal guide to choosing your LPA attorneys, writing your wishes, and completing the process step by step.
Read the post →Lasting Power of Attorney UK: What Immigrants and SEN Parents Need to Know
If you grew up where family decisions were enough, the UK's LPA rules will surprise you. A plain-English guide to health and financial LPAs- costs, process and why timing matters.
Read the post →First-Time Investor Checklist: 7 Things to Do Before You Buy Your First Fund
Before you open an investing app, do this first. A practical checklist for UK first-time investors covering debt, emergency funds, ISAs, SIPPs, and more.
Read the post →Financial Coach vs Financial Adviser: What's the Difference in the UK?
Financial coach or financial advisor — which do you need? Learn the key differences in the UK, including FCA regulation, costs, and what each one actually does.
Read the post →The ISA Allowance: What Most People Miss (And How to Use It Properly)
A Chartered Accountant's guide to using your £20,000 ISA allowance properly - Stocks and Shares ISAs, the Lifetime ISA, Junior ISAs, and Bed and ISA.
Read the post →SIPP vs Workplace Pension: How to Think About Both
A Chartered Accountant's plain-English guide to UK workplace pensions and SIPPs - when each one earns its place, and how to use both together.
Read the post →The £100,000 trap: how I lost a decade of tax savings (and how you can avoid it)
A Chartered Accountant's honest account of how moving to the UK without a financial map cost more than £100,000 - and the steady steps that would have prevented it.
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