Free course
Money School
The class school never taught. Six short lessons, in order, in plain English — about fifteen minutes each, with a hands-on tool or action at the end of every one. No jargon, no products to buy, no pretending money is more complicated than it is.
Banking basics: where your money should live
Current vs savings vs ISA, how banks make money from you, what FSCS protection actually means, and the overdraft trap.
Start → 2Interest & compounding: the most powerful boring idea in money
AER vs APR decoded, why growth accelerates, and the one chart that changes how people save.
Lesson 2 → 3Credit & borrowing: making debt work for you, not on you
How credit scores really work (and the myths), what APR does to a balance, and the minimum payment trap.
Lesson 3 → 4Payslips & tax: reading your most important document
PAYE, tax codes, National Insurance and the slice system — plus the pay rise myth, retired for good.
Lesson 4 → 5Pensions: the free money hiding on your payslip
Auto-enrolment, the employer match, why opting out is so expensive, and what your NI record has to do with retirement.
Lesson 5 → 6Investing: the concepts (not the tips)
Risk and reward, diversification, why fees matter more than genius — and how to spot the scams. Concepts only, no recommendations.
Lesson 6 →Not sure where to start? Take the two-minute fluency quiz — it maps your gaps to the exact lessons that close them. The lessons build on each other, so start at 1 even if you think you know it — most people find at least one "wait, really?" in every lesson. Each one ends with a single action; do the action before moving on, because the doing is where fluency comes from. And everything here is general education, not financial advice: where a decision needs personal guidance, we'll point you to MoneyHelper (free and government-backed) or a regulated adviser.