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Money prompts

Budgets, debt, ISAs, the spreadsheet you keep meaning to open.

• money Decide Whether to Invest a Lump Sum or Spread It Over Time

  Understand the real trade-offs between investing a lump sum now versus spreading it over time.

• money Reframe Debt as a Decision Tree

  Turn the emotional blur of debt into a table and a clear next step.

• money Explain What Happens to a Pension When You Change Jobs

  Understand your options for an old workplace pension when you change jobs.

• learn Explain How to Read a Balance Sheet

  Understand what a balance sheet is actually showing you and the three ratios that matter.

• money Explain How Credit Scores Work in the UK

  Find out how your UK credit score actually works and what changes it fastest.

• money Explain How Tax on Investments Works in the UK

  Understand exactly how the UK taxes capital gains, dividends, and savings interest on your investments.

• money Explain How a Pension Actually Works

  Understand how a workplace pension actually works from contributions to retirement.

• money Explain What Happens When You Miss a Mortgage Payment

  Find out exactly what happens, and when, if you miss a mortgage payment.

• money Summarise the Financial Position You Are Actually In Versus the One You Think You Are In

  Find the gap between the financial position you think you are in and the one you actually are.

• money Compare Two Financial Products to Find Which Actually Serves You

  Find out which financial product actually fits your situation, not just your surface requirements.

• money Decide How Much Risk to Take on a Financial Decision You Keep Postponing

  Work out the right level of financial risk for your actual situation rather than your ideal one.

• money Explain a Pension Statement in Plain Language

  Find out what your pension statement is actually telling you.

• money Summarise the Key Trade-Offs in a Mortgage or Rental Decision

  Understand the actual trade-offs in buying versus renting before the emotion makes the decision.

• money Critique a Financial Decision You Made in the Last Year

  Work out if the bad financial decision was unlucky or predictably wrong.

• work Compare Two Approaches to Pricing a Freelance Project

  Choose the pricing model that fits this project rather than the one you default to.

• life Decide Whether to Take Out Insurance for Something Specific

  Work out whether the insurance is worth paying for before you commit.

• money Decide Whether to Save More or Invest When You Have Limited Surplus

  Work out whether the money should go into savings or investments given where you actually are.

• money Reframe a Money Habit You Feel Guilty About

  Work out if the guilt is proportionate to the actual financial harm before changing anything.

• money Critique a Month of Your Own Spending

  Find out what your spending is actually doing versus what you think it is doing.

• money Generate a Seasonal Meal Plan Around a Specific Dietary Constraint

  Get a practical week of dinners that works with a dietary constraint rather than around it.

• money Compare Two Financial Products Before Choosing One

  Work out which financial product is actually better for your situation, not just the one with the better headline.

• money Translate a Financial Statement Into What It Is Actually Saying About the Business

  Understand what a financial statement is actually telling you about a business, in plain English.

• money Critique a Financial Decision You Are About to Make for Hidden Assumptions

  Find the assumptions your financial decision is resting on before you commit to it.

• money Generate a Script for Asking for a Pay Rise

  Have the salary conversation with something worth saying.

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