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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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Disabled Persons' Trust vs Discretionary Trust: What Is the Actual Difference?
Both trusts protect your child's benefits, but the tax treatment is very different. A Chartered Accountant and SEN parent breaks down what each one actually costs.
Read the post →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 →Does My Child Qualify for a Disabled Persons' Trust?
Eligibility for a Disabled Persons' Trust isn't always obvious, and it can change over time. A SEN parent and Chartered Accountant shares what she's learned.
Read the post →What Happens to My Disabled Child When I Die?
If you have a disabled child and no plan in place, this is where to start. A SEN parent and Chartered Accountant explains what you need to know and what to do next.
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 →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 →What happens to my child's benefits when she turns 18?
A plain-English guide for SEN families on what happens to DLA, PIP, Carer's Allowance and Universal Credit when your child turns 18. Information and personal experience, not regulated financial or legal advice.
Read the post →The Financial Stuff Nobody Tells SEN Families. And Why It Matters More Than You Think.
What SEN families need to know about benefits, Junior ISAs, Disabled Persons' Trusts and legal authority - and why the timing matters more than you think.
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