No longer updating

It's a shame, but I'm no longer updating this website. Busy setting up new ventures.

I'll leave it up for anyone who's interested.

Thanks to all regular readers, and all the best for the future.

Cheers, PJ

Youth money thoughts

Anyone can learn about money.

Anyone can help anyone else learn.

Making mistakes doesn't mean you're hopeless.

Managing money is a lot about relationships & understanding other people.

Good financial education is not about turning people into more savvy consumers.

Good financial education starts with young people's interests and builds on their strengths.

Ideas for action

£500 project grants

Could you get together a group of young people interested in devising and running a money management project? If you can persuade an adult from some learning organisation to sponsor your idea, register your interest in the Money for Life project.

Assuming that the project runs as it has in previous years, applications will be […]

Ideas for action

Money skills that satisfy

Money management training works. It can sound dull. It can be hard to persuade people onto training courses and programmes. But once they’ve had a taste of it, they’re often converted. Here are two videos that capture some of the enthusiasm from participants who’ve grown in skills and confidence.

The first is from a one-day […]

Ideas for action

Your cash ain't nothin' but trash


“Sorry mate, I’ve only got a £20 note.” No problem, I’ve got change. Marc the Big Issue seller was happy to sell a magazine to a friendly-seeming stranger. He wasn’t happy when he tried to spend the note. It was a forgery, worth nothing. That was his day’s earnings gone.

Young people are great users […]

Ideas for action

Campaign for financial education


At school and disappointed by the personal finance education on offer? Campaign for it, using a toolkit produced by other young people. Focused on the skills and approaches to campaigning, Our Money, Our Future has a lot of good sense about building a team, starting from strengths, co-opting an adult champion and setting objectives.


Ideas for action

Money for life


Why are the young people on the right celebrating? Because their money skills have just been recognised.

The team of Paige Sparrow, Ryan Gardener, Alex Mayhew and Shannon Mears from ACT in Bridgend in Wales ran a project on practical ways to cut spending, particularly on food, for themselves and other 16-18 year olds […]

Ideas for action

Who can afford to learn to drive?


Is passing the driving test a realistic possibility for young people? Or an unaffordable dream?

Ask them, and you will get an opinion. That may be a hunch and may be right. But it is not hard to come up with an accurate total estimate. This might challenge some initial assumptions, and perhaps begin a […]

Ideas for action

Housing benefit reality check

Here is a handy way of exploring some of the misunderstandings that young people may have about housing benefit. It is especially useful for anyone who thinks that if you are on benefits or a low income you can just apply for housing benefit and your rent will be paid.

It’s the first-ever youthmoney video […]

Ideas for action

Nailing tax

Budget week is a good time to explore some of the basics about tax, particularly personal tax allowance. Take time, because it is complicated, and some young people get confused.

Here’s how one young man got hold of the wrong end of the personal allowance stick. He’d just got a job and told a youth […]

Ideas for action

Refreshing Money Mastery


“You can’t solve money problems with money.” That’s a typically challenging statement from coach and trainer Neil Almond. He is the motive force behind Money Mastery courses, delivered to hundreds of youth professionals over the past few years.

His argument is that an emergency loan or pay rise may seem like an answer to a […]

Ideas for action

Alcohol better than money?


“Alcohol can get you through a time of no money better than money will get you through a time of no alcohol.”

That’s an old saying, to trigger discussion.

It is irresponsible, possibly dangerous and funny only to a certain sense of humour. Still, it is a provocative way to explore what young people really […]