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

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 […]

Sources of help

Cheque basics

banking game on pfeg website

How do you write a cheque? If you are a bit hazy, how easy is it find out?

I just tried to discover what help there is online, starting with the website of the Personal Finance Education Group or pfeg. It says it is the UK’s leading finance education charity. “We provide resources and lesson […]

Sources of help

Working with young people


The Money Advice Service has an excellent team working to help youth practitioners support young people in money management. Earlier this year it published a series of good practice guides, designed for use in different youth-related sectors. The Money in the Mix booklets, which also appeared as supplements to Children and Young People Now magazine, […]

Sources of help

Basic bank accounts – the facts

What happens if I only have £6 left in my account and the cash machine only gives £10 notes?

The answer depends on whether or not your account has a buffer zone. If it has, you get the money, at no overdraft charge. Otherwise, no payout.

This is just one question of many answered in […]

Sources of help

Affordable credit

Credit union

A young mother borrowed £1,000 from a doorstep lender to pay for furniture. Two years later she had repaid the company £3,800 at a rate of £159 a month. She still owed £600.

Hers was one of the case studies featured recently at an event hosted by Leeds City Credit Union.

The credit union gave […]