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Explained Simply: Money Matters

A free illustrated guide to UK money by MoneyBySharma. Read it on this page, or download the PDF.

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Explained Simply: Money Matters is a 15-page illustrated guide, by MoneyBySharma, to the basics of UK money: payslips and tax, budgeting, bank accounts, saving and ISAs, borrowing, student loans, pensions, insurance, investing and scams. Figures were checked in October 2026 for the 2026/27 tax year (England).

Information only, not financial advice. The pages below are images of the PDF so they look the same on every device. For the full text, selectable and with its links, download the PDF.

What's inside

  1. Cover · page 1
  2. Your payslip, decoded · page 2
  3. Tax, NI & minimum pay · page 3
  4. Budgeting that sticks · page 4
  5. Bank accounts & paying · page 5
  6. Saving & interest · page 6
  7. Where to keep savings · page 7
  8. Borrowing & credit · page 8
  9. Student loans, simply · page 9
  10. Pensions, simply · page 10
  11. Insurance & investing · page 11
  12. Scams & fraud · page 12
  13. Money words, decoded · page 13
  14. Mistakes everyone makes · page 14
  15. Keep these numbers handy · page 15

Read the guide

Page 1 of 15 of Explained Simply: Money Matters: Cover. The full text is in the PDF download.
Page 1 of 15 · Cover
Page 2 of 15 of Explained Simply: Money Matters: Your payslip, decoded. The full text is in the PDF download.
Page 2 of 15 · Your payslip, decoded
Page 3 of 15 of Explained Simply: Money Matters: Tax, NI & minimum pay. The full text is in the PDF download.
Page 3 of 15 · Tax, NI & minimum pay
Page 4 of 15 of Explained Simply: Money Matters: Budgeting that sticks. The full text is in the PDF download.
Page 4 of 15 · Budgeting that sticks
Page 5 of 15 of Explained Simply: Money Matters: Bank accounts & paying. The full text is in the PDF download.
Page 5 of 15 · Bank accounts & paying
Page 6 of 15 of Explained Simply: Money Matters: Saving & interest. The full text is in the PDF download.
Page 6 of 15 · Saving & interest
Page 7 of 15 of Explained Simply: Money Matters: Where to keep savings. The full text is in the PDF download.
Page 7 of 15 · Where to keep savings
Page 8 of 15 of Explained Simply: Money Matters: Borrowing & credit. The full text is in the PDF download.
Page 8 of 15 · Borrowing & credit
Page 9 of 15 of Explained Simply: Money Matters: Student loans, simply. The full text is in the PDF download.
Page 9 of 15 · Student loans, simply
Page 10 of 15 of Explained Simply: Money Matters: Pensions, simply. The full text is in the PDF download.
Page 10 of 15 · Pensions, simply
Page 11 of 15 of Explained Simply: Money Matters: Insurance & investing. The full text is in the PDF download.
Page 11 of 15 · Insurance & investing
Page 12 of 15 of Explained Simply: Money Matters: Scams & fraud. The full text is in the PDF download.
Page 12 of 15 · Scams & fraud
Page 13 of 15 of Explained Simply: Money Matters: Money words, decoded. The full text is in the PDF download.
Page 13 of 15 · Money words, decoded
Page 14 of 15 of Explained Simply: Money Matters: Mistakes everyone makes. The full text is in the PDF download.
Page 14 of 15 · Mistakes everyone makes
Page 15 of 15 of Explained Simply: Money Matters: Keep these numbers handy. The full text is in the PDF download.
Page 15 of 15 · Keep these numbers handy

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