What do you want to sort out?

◐ Get out of card debt

Understand the interest, then make a plan to clear it.

1. What does 24.9% APR actually mean?
2. Minimum payments: the trap in the small print
3. Should I save money or pay off my debt first?
4. 0% balance transfers: when they're worth it
5. Buy now, pay later: what's the catch?
6. Avalanche or snowball: which debt first?
7. Five credit score myths that cost you money

◒ Build your first safety net

From zero savings to a cushion that lets you sleep.

1. The 50/30/20 budget, in 60 seconds
2. The painless way to save: pay yourself first
3. How much should an emergency fund really contain?
4. Where to keep your emergency fund
5. Checking, savings or tax-free account: which is which?
6. Sinking funds: never be surprised by a bill again
7. The subscription leak

◑ Understand your pay

Where your salary goes, and how to get more of it.

1. Your payslip, decoded: gross, net and deductions
2. Your employer's free money: the retirement match
3. How to ask for a pay rise
4. Tax brackets: why a raise almost never lowers your pay
5. Pre-tax contributions: take less, get more?
6. Support you might be missing

◓ Buy your first home

Deposits, interest rates and what lenders look for.

1. Turn 'someday' into a date
2. How big a deposit do you need for a home?
3. What actually happens to your money when interest rates rise?
4. Government help for first-home buyers
5. Fixed or variable mortgage?
6. Five credit score myths that cost you money
7. The hidden costs of buying a home

◔ Make your money grow

Beat inflation and let time do the heavy lifting.

1. Why $100 buys less every year
2. AER vs APR: the two rates everyone mixes up
3. What is compound interest actually doing?
4. Investing vs saving: what's the difference?
5. Index funds, explained simply
6. Fees: the silent thief in your investments
7. Tax-free investing accounts, explained
8. How much do you need to retire?