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

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 […]