You’ve probably heard the word ‘crypto’ or ‘cryptocurrency’ floating around. It’s often in the news and people seem to have strong opinions about it. But what exactly is it? It’s a type of digital money. A bit like having cash on your computer, or phone, but with some key differences. Let’s take a look. The…

Imagine you and a few friends start a lemonade stand. You all put in money and you all share in the profits. That’s a bit like equity. It’s about having a stake in something. Whether it’s a company or your home. Let’s explore what that means. The Money Part: How Equity Works Equity is a…

Investing might seem complicated. But it doesn’t have to be. There’s a simple way to start. Even if you don’t have a lot of money. It’s called dollar cost averaging. Also known as pound cost averaging in the UK. Think of it like planting seeds in your garden every month. You don’t know if the…

A credit card might seem like a simple piece of plastic but it’s more than that. It’s a way to borrow money. A bit like a small loan you can use again and again. But, just like any loan, you need to understand how it works to avoid getting into trouble. Let’s break it down…

Imagine you’re buying something on credit. You see a monthly payment and it looks manageable. But there’s more to the story than just that monthly figure. That’s where APR (Annual Percentage Rate) comes in. It’s like the full price tag on borrowing. Revealing the total cost of taking on debt over a year. Let’s shine…

We’ve all had those weeks, haven’t we? When you’re watching the calendar, counting down the days until your next pay arrives. It’s a bit like walking a tightrope. Trying to balance everything until you get that little bit of breathing room. But, for some, that tightrope walk isn’t just a bad week. It’s their everyday…