Subject 3 of 15
Money in, money out
Find out where your money really goes, keep enough for the basics, and make a plan you’ll actually stick with.
Where does my money actually go?
10 modules, from the first step to the finishing touches. Each one is a few short lessons you can do in one sitting.
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1
What lands in your account
Read your payslip line by line and see where the gap between your salary and your paycheck goes.
5 lessons -
2
Your floor and your slack
Work out the least you need each month, the wiggle room above it, and what to do in a tight month.
13 lessons -
3
The size of a life after work
How much of your income to keep for later in life, and why your working years are the easiest time to build it.
5 lessons -
4
The pension that's already being built for you
What the pension deductions on your payslip are buying you, and what changes if you claim early or keep working.
5 lessons -
5
The costs retirement doesn't warn you about
The retirement costs people forget: relying on one income, what a partner is left with, and health costs that rise later.
5 lessons -
6
When there is no wage
Managing money without a regular paycheck: cash income, gig work, months with nothing coming in, and making savings last.
7 lessons -
7
When the plan stops matching the month
What to do when your budget stops matching real life, including when it’s the budget that needs to change.
6 lessons -
8
Tracking without obsessing
A simple tracking habit you’ll keep, a quick monthly review, and how to stop a raise from quietly disappearing.
6 lessons -
9
Everything you own, minus everything you owe
Your net worth: everything you own minus everything you owe, and why watching it over the years tells you so much.
6 lessons -
10
When the money itself shrinks
How to protect your money when prices rise fast: what to buy ahead, and what inflation does to your debts and your pay.
5 lessons
Questions about money in, money out
Where does my money go every month?
Usually into three piles: fixed bills, everyday costs that change, and the little extras that sneak up on you. Once you can see your own piles, finding room gets a lot easier. This subject helps you sort your real month, step by step.
Why is my paycheck smaller than my salary?
Taxes and other deductions come out before the money reaches you. Your payslip lists each one. This subject helps you read your own payslip, so the gap stops being a mystery.
How do I keep track of spending without it taking over my life?
Keep it rough and keep it going. A simple habit you stick with beats a perfect spreadsheet you drop by March. This subject shows you a light way to do it, plus a quick check-in that turns numbers into decisions.
Ready to start money in, money out?
It’s free, and your first lesson takes about two minutes.