Budgeting basics
Learn how to manage your money, understand your payslip, and plan for the future.
Finance for Graduates
Practical money management for graduates. Learn how to budget, tackle student loans, build savings, and grow your financial confidence on a graduate salary.
What you'll find here
Debt and loans
Clear, non-judgemental guidance on student loans, credit, and repaying debt.
Saving strategies
Practical tips for building savings on a graduate salary, however small.
Articles
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finance
Surviving Your First Year Post-Uni in a High-Cost City
A practical budgeting guide for recent graduates, breaking down what it really costs to live in places like London and other expensive UK cities, and offering realistic tips for managing rent, bills, food, transport and everyday life after university.
finance
Cost of Living Guide for Graduates: Save on Rent, Bills and Food
Practical cost of living tips for UK graduates. Learn how to save on rent, energy bills, food and transport, plus the financial support you may be entitled to.
finance
Student Loan Repayment in England: What Changes? What Stays?
Student loan repayment in England changed in April 2026 with the first Plan 5 borrowers entering repayment. Whether you are on Plan 2 or Plan 5, the mechanics are the same, but the thresholds, interest rates and write-off periods differ. This guide explains everything you need to know, without the jargon or the panic.
finance
How to Build an Emergency Fund in the UK on a Graduate Salary
Learn how to build an emergency fund on a graduate salary in the UK. This guide covers how much to save, where to keep it, and realistic steps to get started.
finance
Side Hustle That Fits: A Practical Guide for UK Graduates
Thinking about a side hustle alongside your full-time job? This UK graduate guide covers tax rules, freelancing realities, and practical steps to get started.
finance
Your First Salary: A Real Breakdown of Tax, NI, Student Loan and Pension Deductions
Ever wondered where your salary actually goes before it hits your bank account? We break down every deduction, tax, NI, student loan and pension, on a typical graduate salary, with clear numbers and no jargon.
