Money, explained in plain English.
MoneyBySharma is a UK personal-finance information site. Clear guides to savings, ISAs, pensions, mortgages and gilts – with simple calculators and every figure linked to its official source.
Follow @moneybysharma on X (opens in new tab) for a weekly plain-English money topic.
Today's key numbers
How money works, in pictures
Where money comes from, what the Bank of England does, why prices rise – and what it all means for your savings, mortgage and investments. Ten simple steps.
Start the guide →Guides
Pay, tax & your payslip
Tax codes, National Insurance, student loan and pension deductions, minimum wage, and a take-home pay illustration.
GuideScams & fraud
Warning signs, 159, 7726 and Report Fraud, and what protection exists if you are tricked into a bank transfer.
GuideBudgeting & emergency funds
Plan from take-home pay, the 50/30/20 rule of thumb, how much to keep for emergencies and common mistakes.
GuideDeals & savings
Supermarket loyalty prices, cinema memberships and subscription prices from the retailers' own pages, each with a checked date.
GuideInsurance basics
Premium, excess and claims explained, the legal minimum for motor cover, contents, travel and life cover, and FSCS protection.
GuideSavings
Easy access, fixed bonds, cash ISAs, regular savers, FSCS protection and how savings interest is taxed.
GuideInvestments
Stocks and shares ISAs, SIPPs, index funds and how platform fees work.
GuideMortgages
Fixed vs tracker, when to look at remortgaging, and how repayments are worked out.
GuideGilts
What UK government bonds are and why low-coupon gilts can be tax-efficient.
GuidePensions
The State Pension, workplace pensions, SIPPs and why starting young matters so much.
GuideEnergy
The Ofgem price cap, fixed vs variable deals, solar panels and home batteries.
GuideElectric cars
Running costs, vehicle tax, company-car tax and the road to 2035.
ReferenceJargon buster
A searchable A–Z of plain-English money terms.
ResourcesDownloads & tools
The Money Matters cheat sheet: 2026/27 figures at a glance, with a printable PDF.
Calculators
Gilt vs savings after tax
Gross redemption yield, net yield for your tax band and the equivalent savings rate.
Mortgage repayments
Repayment or interest-only, optional overpayments and a balance chart.
Platform fee impact
Compare a percentage fee with a flat fee over the years.
Start age vs pot at 67
See how the age you start saving changes your pension pot, after fees and inflation.
Home battery payback
Charge cheap overnight, use at peak: annual saving and payback.
EV charging cost
Home vs public charging cost per mile and per year.
Weekly money update – by email
A short email each Monday with what changed on this site that week: rate and deal changes, key dates and new guides. Information only – no rankings and no advice.
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