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.

Inside money

Lottery winners turn Tory

“If I won thousands on the lottery, it wouldn’t change me.” Why buy a ticket, then? “So I wouldn’t have to worry about money any more, that’s all. I’d have the security of the money, but the essential me would still be there. I’d still have my old mates, my old personality and the things […]

Ideas for action

Supermarket tricks

Sticking to a budget in the supermarket is the latest mini-booklet of top tips from charity Credit Action.

There is familiar advice, such as not to shop when hungry and to avoid impulse buying. It also focuses well on combating the ways supermarkets encourage shoppers to spend more. “Look high and low—the most profitable […]

Inside money

Debt not caused by shopping

CCCS debt perception graphic

See the difference between what people think causes debt, and what really does—in a neat graphic.

The light green bars show what people surveyed thought was the biggest cause of financial difficulties.

The reality is shown in dark green.

The publishers, the Consumer Credit Counselling Service, say that nearly half the debt problems of […]

Pressures & habits

Phone insurance sales talk bluff

Young people should be forewarned to expect a determined sales spiel for phone insurance when they buy a new mobile phone.

Sales staff are persistent. They don’t make saying no easy. Declining politely is something young people could be helped to practise. Even older, experienced consumers don’t find it easy to stop the sales […]

Pressures & habits

Barriers to banking

I was interviewed earlier in the week by a financial journalist. We were talking about young people and bank accounts. I just heard that nothing I said made the published article (a known hazard in talking to hacks). Which spurred me to offer some thoughts here about this crucial bit of financial inclusion.

The argument […]

Pressures & habits

Violence in relationships can be financial

Last week the Home Office announced a strategy to end violence against women and girls. Preventing violence in relationships will be included in personal, social, health and economic (PSHE) education. The idea is to address attitudes which condone and perpetuate violence against women before they become entrenched in young people.

There are also plans […]

Pressures & habits

Money, independence, whatever

Should a Times reader “let” his 15-year-old daughter take a Saturday job?

It’s a Times Money section reader dilemma. Give the star answer and you could win yourself vouchers worth £25.

More usefully, you could offer some thoughts on young people’s need for independence. And say a little about the relationship between power and money. […]

Pressures & habits

Get rich or die tryin’

Some of the contradictions and challenges surrounding money and values education are neatly outlined in a thoughtful article by Matthew Ryder in yesterday’s Observer.

Ryder is a national role model for Reach, the scheme aimed at raising the aspirations and attainment of black boys and young men. He’s commenting on recent research suggesting that role […]

Pressures & habits

Financial abuse


Eighteen-year-old Gabriella gave money to her boyfriend when he was out of work.

The money I gave him went on his booze and cigarettes. I was making £200 a month and after giving him money I’d have nothing left for myself.

If I told him I didn’t have any money, he’d call me a liar […]