pocketmoneyforadults
@pocketmoneyforadults.com
Let's talk about money. No shame. Just simple tips. Join us!
How has the #costofliving crisis affected you? What little changes have you made to get by? Let's share tips and support each other.
July 20, 2025 at 3:52 PM
How has the #costofliving crisis affected you? What little changes have you made to get by? Let's share tips and support each other.
Also, don't forget there's support available. Charities and local councils can offer advice or point you to grants. It's okay to ask for help when things are difficult. No one should struggle alone.
July 20, 2025 at 3:52 PM
Also, don't forget there's support available. Charities and local councils can offer advice or point you to grants. It's okay to ask for help when things are difficult. No one should struggle alone.
So, what can we do? Small things often make a difference. Looking for cheaper supermarkets, batch cooking, being mindful of heating and electricity use. Every little saving helps manage that squeeze.
July 20, 2025 at 3:52 PM
So, what can we do? Small things often make a difference. Looking for cheaper supermarkets, batch cooking, being mindful of heating and electricity use. Every little saving helps manage that squeeze.
Energy bills, food prices, fuel... it all adds up, doesn't it? That feeling of your money not stretching as far as it used to is very real. It can be incredibly stressful, and you're definitely not alone if you're feeling the pinch.
July 20, 2025 at 3:52 PM
Energy bills, food prices, fuel... it all adds up, doesn't it? That feeling of your money not stretching as far as it used to is very real. It can be incredibly stressful, and you're definitely not alone if you're feeling the pinch.
Breaking the debt cycle is about building new habits and getting support. You've got this. What's one step you're taking today?
pocketmoneyforadults.com/basics/debt/
pocketmoneyforadults.com/basics/debt/
What is Debt? - Pocket Money For Adults
Debt. It's a word that can make anyone feel a bit uneasy. We all know someone who's worried about it, or maybe we've felt that way ourselves. It's like a weight that can hold you back. But understandi...
pocketmoneyforadults.com
July 20, 2025 at 3:50 PM
Breaking the debt cycle is about building new habits and getting support. You've got this. What's one step you're taking today?
pocketmoneyforadults.com/basics/debt/
pocketmoneyforadults.com/basics/debt/
And critically, seek help if you need it. Free, expert advice from charities like Citizens Advice or StepChange can provide a clear path forward. There's no shame in asking.
July 20, 2025 at 3:50 PM
And critically, seek help if you need it. Free, expert advice from charities like Citizens Advice or StepChange can provide a clear path forward. There's no shame in asking.
Focus on small, consistent payments. Even an extra fiver on a high-interest debt can make a difference over time. Celebrate those small wins!
July 20, 2025 at 3:50 PM
Focus on small, consistent payments. Even an extra fiver on a high-interest debt can make a difference over time. Celebrate those small wins!
Breaking free starts with facing it. List what you owe, who to, and how much. It's scary, but it's the first step to taking back control. Remember, you're not alone in this.
July 20, 2025 at 3:50 PM
Breaking free starts with facing it. List what you owe, who to, and how much. It's scary, but it's the first step to taking back control. Remember, you're not alone in this.
Sometimes, debt can feel like a heavy cloud hanging over you. It can cause stress, anxiety, and even make you avoid looking at your bank balance. That's the mindset taking hold.
July 20, 2025 at 3:50 PM
Sometimes, debt can feel like a heavy cloud hanging over you. It can cause stress, anxiety, and even make you avoid looking at your bank balance. That's the mindset taking hold.
Understanding your payslip gives you power. It helps you see what you're earning and where your money is going. What's one thing you found confusing on your payslip?
pocketmoneyforadults.com/basics/paysl...
pocketmoneyforadults.com/basics/paysl...
How do payslips work? - Pocket Money For Adults
Ever looked at your payslip and felt like you're reading a foreign language? You see numbers and words, but it's hard to make sense of it all. It's like trying to read a map without knowing the landma...
pocketmoneyforadults.com
July 20, 2025 at 3:47 PM
Understanding your payslip gives you power. It helps you see what you're earning and where your money is going. What's one thing you found confusing on your payslip?
pocketmoneyforadults.com/basics/paysl...
pocketmoneyforadults.com/basics/paysl...
Other Deductions: This could be things like student loan repayments, union fees, or payments for workplace schemes. Always check what these are.
July 20, 2025 at 3:47 PM
Other Deductions: This could be things like student loan repayments, union fees, or payments for workplace schemes. Always check what these are.
Pensions: If you're in a workplace pension, your contribution will be here. Your employer often adds money too, which is basically free money for your retirement!
July 20, 2025 at 3:47 PM
Pensions: If you're in a workplace pension, your contribution will be here. Your employer often adds money too, which is basically free money for your retirement!
National Insurance (NI): Another deduction for the government. This helps you build up rights to certain benefits like the State Pension.
July 20, 2025 at 3:47 PM
National Insurance (NI): Another deduction for the government. This helps you build up rights to certain benefits like the State Pension.
Tax (PAYE): This is your Income Tax. It's taken off by your employer before you get paid. It goes to the government to help pay for things like schools and hospitals.
July 20, 2025 at 3:47 PM
Tax (PAYE): This is your Income Tax. It's taken off by your employer before you get paid. It goes to the government to help pay for things like schools and hospitals.
Net Pay: This is your take-home pay. It's what's left after tax, National Insurance, and any other deductions are taken off. This is the money that actually lands in your bank.
July 20, 2025 at 3:47 PM
Net Pay: This is your take-home pay. It's what's left after tax, National Insurance, and any other deductions are taken off. This is the money that actually lands in your bank.
Gross Pay: This is your total earnings before anything is taken out. It's the full amount your boss pays you for your work.
July 20, 2025 at 3:47 PM
Gross Pay: This is your total earnings before anything is taken out. It's the full amount your boss pays you for your work.
So, what's a 'little win' you've had with your money recently? Share it here – let's celebrate each other's progress!
July 20, 2025 at 3:43 PM
So, what's a 'little win' you've had with your money recently? Share it here – let's celebrate each other's progress!
These 'little wins' build momentum. They show you that you can do it, even when things are tough. And that feeling of control is priceless.
July 20, 2025 at 3:43 PM
These 'little wins' build momentum. They show you that you can do it, even when things are tough. And that feeling of control is priceless.
It's about noticing the progress, not just the finish line. Every time you choose to save a bit, or stick to your budget, you're building a stronger financial you. Give yourself a pat on the back!
July 20, 2025 at 3:43 PM
It's about noticing the progress, not just the finish line. Every time you choose to save a bit, or stick to your budget, you're building a stronger financial you. Give yourself a pat on the back!
Maybe you managed to stick to your packed lunch all week. That's a win! Or you resisted that impulse buy you really wanted. Another win! These small choices add up.
July 20, 2025 at 3:43 PM
Maybe you managed to stick to your packed lunch all week. That's a win! Or you resisted that impulse buy you really wanted. Another win! These small choices add up.
What's your best tip for reducing food waste and saving money? Share your kitchen wisdom!
June 15, 2025 at 7:21 PM
What's your best tip for reducing food waste and saving money? Share your kitchen wisdom!