- Introduction and guidance
- Introduction
- 1 What is your financial personality?
- 2 The social influences on spending
- 3 Your habits could impair your spending choices
- 4 Your personality can seriously affect your spending
- 5 Understanding the marketing forces that can affect our spending
- 6 A decision-making model to take control of spending decisions
- 7 Half-time quiz
- 8 Why do we buy insurance?
- 9 Applying Steps 1 and 2 of the decision-making model to insurance
- 10 Applying Steps 3 and 4 of the decision-making model to insurance
- 11 Mobile phones and insurance
- 12 Shopping online
- 13 Being a smarter online shopper
- 14 End-of-session quiz
- 15 Summary of Session 1
- Introduction
- 1 Income and taxation
- 2 Understanding income tax
- 3 National Insurance Contributions (NICs)
- 4 Half-time quiz
- 5 Understanding tax codes
- 6 Why do I need to budget?
- 7 The income side of the budget
- 8 Turning to the spending side of the budget
- 9 Building your budget
- 10 Your own budget
- 11 Trimming your spending
- 12 End-of-session quiz
- 13 Summary of Session 2
- Introduction
- 1 The boom of borrowing in the UK
- 2 Good debt vs bad debt
- 3 Credit reference agencies and your credit history
- 4 Half-time quiz
- 5 Who are the lenders?
- 6 The debt supermarket: get to know the products
- 7 How much does it cost to borrow money?
- 8 Low cost and high cost borrowing
- 9 End-of-session quiz
- 10 Summary of Session 3
- Introduction
- 1 Getting a mortgage: how much can I borrow?
- 2 Half-time quiz
- 3 Mortgage choices: offset, flexible and portable mortgages
- 4 Managing your mortgage: overpaying
- 5 The other costs of buying a property
- 6 Mortgages: understanding and managing the risks
- 7 End-of-session quiz
- 8 Summary of Session 4
- Introduction
- 1 Why should we save up for the future?
- 2 The UK’s savings problem
- 3 The savings supermarket: What type of accounts can I get?
- 4 The savings supermarket: Should you get an ISA?
- 5 The savings supermarket: Understanding interest and tax
- 6 The savings supermarket: some final points
- 7 Money in a savings account is almost always safe
- 8 Drawing up your savings strategy
- 9 Half-time quiz
- 10 Investments – the riskier (but possibly rewarding) side of saving up
- 11 Understanding shares
- 12 Understanding bonds
- 13 Understanding commodities
- 14 Understanding property investment
- 15 Understanding investment funds
- 16 Investment strategies: how to manage your risk
- 17 Understanding peer-to-peer products
- 18 Do I need financial advice when choosing an investment or should I go it alone?
- 19 End-of-session quiz
- 20 Summary of Session 5
- Introduction
- 1 How does spending change in later life?
- 2 State pensions
- 3 Occupational pension schemes
- 4 Half-time quiz
- 5 Personal pensions: money purchase schemes
- 6 Understanding pension tax allowances
- 7 What can I do with my pension when I retire?
- 8 The 2015 pensions revolution: freeing up access to pension pots
- 9 A shortfall in your pension plan – the options
- 10 End-of-course quiz
- 11 Summary of Session 6
- Where next?
- Tell us what you think
- Glossary
- References
- Acknowledgements
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