Lazy money guides 🐷

Short, practical, UK-only. No jargon, no lectures.

Payday budget planner (UK): budget from payday to paydayHow to budget from payday to payday in the UK, with a simple 10-minute routine, a free printable planner and a… How to save for Christmas in the UK (without a January overdraft)A lazy, practical way to save for Christmas in the UK: one Christmas number, a per-payday amount, sinking fund… Cash stuffing in the UK: a beginner's guideHow cash stuffing works in the UK: what to keep on direct debit, which envelopes to use, pros and cons, and fr… 52 week savings challenge (UK): save £1,378 with a printable trackerHow the 52 week savings challenge works in the UK (£1 to £52, total £1,378), the reverse version that makes De… 100 envelope challenge (UK): save £5,050How the 100 envelope challenge works in pounds (£1 to £100, total £5,050), how long it takes, smaller versions… Sinking funds (UK): the lazy fix for annual billsWhat sinking funds are, which UK costs to plan for (MOT, car tax, insurance, TV licence, Christmas) and how to… Debt snowball vs avalanche (UK): which should you use?Snowball vs avalanche explained for UK debts (credit cards, overdrafts, loans), what to leave out (student loa… UK budget spreadsheet (Google Sheets & Excel): what it needsWhat a UK budget spreadsheet should include: tax year, payday periods, council tax, sinking funds, debt plan. … 1p saving challenge (UK): £667.95 in a yearHow the 1p a day challenge works (1p on day 1 up to £3.65 on day 365), the total (£667.95), the reverse trick … How to make your money last until payday (UK)Always skint before payday? Nine low-effort fixes for UK households: move bills, separate fun money, weekly bu…

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