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.

News, events, releases

Young workers ask for more


The cost of living is rising for young people. Yet the minimum wage was frozen for workers under 21.

Young members of trade union Unison’s northern region argue this is unfair. They have launched an e-petition to get the topic of raising the rate for young workers debated in parliament.

The minimum wage is currently […]

News, events, releases

Minimum wage frozen

money image

The national minimum wage is be raised in October by 11p an hour. Not for most young people, though. The rates for 16-17 olds and for 18-20 year olds have been frozen. The apprenticeship rate is to go up 5p an hour.

From 1 October 2012 the rates will be:

£6.19 an hour – […]

News, events, releases

Tips are extra, not basic

If you are over school age and working you are entitled to be paid the national minimum wage. If your pay includes tips they must be added to the minimum wage, not included in it.

That’s the law, and has been since 2009. Employers are not allowed to include tips, gratuities, cover charges or service […]

Inside money

Posh jobs

Internships are a good way for young people to see the world of work at first hand.

But there’s an important principle: if you are working, you should get paid. It’s a moral thing. Just because the young are capable of being exploited doesn’t mean that organisations should exploit them.

It’s also a legal thing. […]