Hello, and welcome. If you've just signed up, thank you, genuinely. There's a lot of places you could be getting your money content from, and you picked this one.
Here's the deal with this newsletter: one email a month, one thing actually explained properly, no padding to hit a word count. If we don't have anything worth saying, we won't email you just to stay in your inbox.
What every issue will actually contain
We're keeping the format the same every month, so you know what you're getting:
- One topic, properly explained. Not a roundup of five things skimmed over: one thing, done properly, the way our explainers are.
- One myth, actually addressed. Something commonly believed about money that isn't quite true, or isn't the whole story.
- One number worth knowing. A real, current figure, a rate, a threshold, an allowance, that's actually useful to have in your head.
That's it. No affiliate roundups disguised as advice, no "5 hacks the banks don't want you to know." Just the actual thing.
This month's number
Since we're just getting started, here's one worth knowing regardless of what stage you're at: most people are entitled to a tax-free Personal Allowance of £12,570 before Income Tax starts being deducted from their pay (it's been frozen at that level since 2021, and stays there for the current 2026/27 tax year). If your tax code doesn't look right for your circumstances, it's worth checking; an incorrect code is one of the more common ways people quietly overpay or underpay tax without noticing. Our Payslips & tax, actually explainer covers exactly how to check.
Where to start on the site
If you're new here, the explainers are the core of what we do: nine topics so far, from budgeting to pensions to mortgages, each one written the way we'd actually want it explained to us. Take a look at what we cover, or if you want something practical to do right now, the Budgeting, actually explainer comes with a free template.
See you next month.
This newsletter provides general educational content, not personalised financial advice. Figures and thresholds mentioned may change; always check current rates before relying on them.