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

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 […]

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 […]

Ideas for action

Want credit, register to vote

Refused credit? The charity Credit Action estimates that 25,250 applications for consumer credit are turned down every day.

Many of those refused will be young people who have not been able to build up a good credit rating. Yet most will want to borrow money at some point – for a major purchase or to […]