Common Questions

Most people see real progress within 4-6 weeks once they start tracking their spending properly. It's not about instant perfection—it's about building the habit of knowing where your money goes, then making small adjustments that stick.

Start by gathering all your statements—bank, credit card, PayPal—and logging them into one simple spreadsheet or budgeting app. You don't need anything fancy; even a basic spreadsheet works brilliantly. The key is consolidating everything in one place so you can actually see the full picture of your spending.

The 50/30/20 rule (50% needs, 30% wants, 20% savings/debt) is popular, but what matters most is finding a method that fits your lifestyle. Some people prefer the envelope method, others use percentage-based splits. We'll help you test different approaches and find what actually works for your situation.

There's no one-size-fits-all answer—it depends on your income, expenses, and goals. A realistic starting point is 5-10% of your take-home pay, even if that's just £20 per week. The important thing is automating it so it happens without you thinking about it.

Not immediately, but it's definitely worth learning. Understanding how interest works on your savings and on any debt you're carrying helps you make smarter financial decisions. We break it down in simple terms so you're never confused by jargon.

Variable income is trickier but absolutely manageable. The trick is working out your average monthly earnings over 3-6 months, then budgeting based on a slightly conservative figure. This gives you a safety buffer in lower-earning months and extra money to save in higher ones.