Household Budgeting
A household budget is simply a plan for your money. It tells you how much is coming in, where it's going out, and whether you have anything left over. Sounds simple, but building one that reflects your real life takes a bit of thought.
This module covers the key stages of creating a budget that works for a UK household. We look at how to categorise your spending, what to do with irregular income, and how to handle shared finances when more than one person is involved.
Understanding Your Monthly Budget
A practical walkthrough of building a monthly budget from scratch. We cover how to list all income sources, map fixed costs like rent and utilities, and account for variable spending like food and transport.
- Mapping fixed vs variable expenses
- Budgeting on irregular or self-employed income
- Shared household finances
- Reviewing and adjusting your budget monthly
When Your Budget Doesn't Balance
What to do when your outgoings exceed your income. This session looks at how to identify areas for reduction, how to prioritise essential spending, and how to approach the conversation with utility providers or creditors.
- Identifying non-essential spending
- Priority vs non-priority bills explained
- How to approach payment plans
- Free debt advice resources in the UK
Expense Tracking
Tracking your spending sounds tedious. For most people, it feels like homework. But done well, it's one of the most revealing things you can do with your finances. Seeing exactly where money goes, rather than guessing, changes how you make decisions.
This module focuses on making expense tracking sustainable. We look at different approaches, from paper notebooks to spreadsheets to app-based tools, and help you find a method that fits your habits rather than fighting against them.
Expense Tracking That Actually Sticks
A review of tracking methods and how to choose one that suits your lifestyle. We cover the pros and cons of different approaches and explain how to build a simple review habit into your weekly routine.
- Paper, spreadsheet and app-based methods
- Weekly vs monthly review approaches
- Categorising spending usefully
- Spotting patterns over time
Reading Your Bank Statements
Bank statements contain a lot of useful information that most people scroll past. This session walks through how to read yours properly, what to look for, and how to use the information to inform your budget.
- Understanding transaction descriptions
- Spotting recurring charges
- Identifying subscriptions you've forgotten
- Using statements to build a spending baseline
Emergency Savings
An emergency fund is money set aside specifically for unexpected costs. A boiler breaking down. A car repair. A period without income. It's not glamorous, but having this buffer can be the difference between a difficult week and a financial crisis.
This module explains the concept of emergency savings, how to think about how much you need, and practical strategies for building one even when your budget is already stretched. We don't assume you have a lot of spare cash. We start from wherever you are.
Building Your First Emergency Fund
A step-by-step walkthrough of how to start an emergency fund. We cover how to decide on a target amount, where to keep the money, and how to build it gradually without disrupting your other financial commitments.
- Why emergency funds matter
- How to calculate a realistic target
- Where to keep emergency savings in the UK
- Building it slowly and consistently
Saving When Money is Tight
Strategies for putting money aside when there isn't much to spare. This session is honest about the challenges and focuses on small, consistent steps rather than ambitious targets that are hard to maintain.
- Micro-saving approaches
- Automating small regular transfers
- Redirecting windfalls and refunds
- Rebuilding savings after using them
Financial Fundamentals
Understanding the basic building blocks of personal finance makes everything else easier. This module covers the concepts that come up repeatedly in everyday financial life but that many of us were never properly taught.
We explain things like how interest works, what a credit score is and how it affects you, the difference between a direct debit and a standing order, and what ISAs are in plain terms. No prior knowledge required.
Understanding Credit in the UK
How credit scores work, what affects them, and why they matter for everyday financial decisions like renting a home or getting a mobile phone contract. We explain the concept without recommending any specific products.
- What a credit score is and isn't
- How lenders use credit information
- Factors that influence your score
- Checking your credit report for free
Interest, Rates and Everyday Finance
A clear explanation of how interest rates work, the difference between APR and AER, and how interest affects both borrowing and saving. Practical examples drawn from UK financial products.
- APR vs AER explained simply
- How compound interest works
- Interest on credit cards and overdrafts
- Interest on savings accounts
Webinar Format
In addition to self-paced course modules, we run regular live webinars. These are online sessions where you can follow along in real time, see concepts explained visually, and submit questions during the session.
Webinars are typically around 60 to 90 minutes. They're recorded and made available to registered participants afterwards so you can revisit anything you want to go over again.
What to expect
A structured presentation covering a specific topic, followed by a Q&A section. Questions can be submitted in advance or during the session via the chat function.
Who they're for
Anyone who wants to learn about personal finance in a guided format. No prior knowledge is assumed. Sessions are designed for UK adults at any stage of their financial journey.
How to register
Get in touch via our contact page to register your interest in upcoming webinars. We'll add you to our mailing list and let you know about sessions relevant to your interests.
After the session
Participants receive a recording link, any worksheets or reference materials used in the session, and a summary of the key points covered.
Interested in our next webinar? Get in touch and we'll let you know what's coming up.
Register Interest