References
Money & Pension Service (MaPS) (2023) UK Children and Young People’s Financial Wellbeing Survey: Financial Foundations | Money and Pensions Service. Available at: https://maps.org.uk/en/publications/research/2023/uk-children-and-young-peoples-financial-wellbeing-survey-financial-foundations (Accessed 16 July 2025).
Office for National Statistics (2024) 'Average earnings by age and region', House of Commons Library, UK Parliament. Available at https://commonslibrary.parliament.uk/research-briefings/cbp-8456/ (Accessed 16 July 2025).
2.4 Budgeting

