pH Money · Personal Finance Starter Guide

Most schools don't teach personal finance well. Most young people don't know what a Personal Allowance is until they get their first payslip. Or what a LISA does until someone at work mentions they've got one. Or why compound interest is either the most powerful tool or the most dangerous one, depending on which side of it you're standing.

pH Money · Starter Guide fixes that.

36 self-contained explainers across three tiers — the basics, the products, and the smart moves. Each one is written in plain English, UK-focused, and short enough to read on the bus. No jargon. No filler. No trying to sell you an app at the end.

What's inside

·       Tier 1 · Money Basics (10 topics) — compound interest, inflation, budgeting, emergency fund, income tax, National Insurance, student loans, decoding your payslip.

·       Tier 2 · Money Products (16 topics) — bank accounts, debit and credit cards, APR vs AER, overdrafts, loans, BNPL, direct debits, credit scores, Cash ISA, Stocks and Shares ISA, LISA, Premium Bonds, workplace pensions, FSCS protection, base rate.

·       Tier 3 · Money Moves (10 topics) — the order to do things in, saving vs investing, risk and return, diversification, fund fees, pay yourself first, lifestyle creep, savings portfolios, spotting scams, and where crypto fits.

·       Every topic follows the same 4-part format: what it is · the key points · what to watch out for · a quick real-world example.

·       A4, print-ready, easy on the eye — 44 pages in total.

Who it's for

Aimed squarely at 15 to 24-year-olds — the age most people first meet a payslip, a rent contract, a student loan and a credit card. Equally useful for a parent, uncle, aunt or older sibling who wants a plain-English reference to hand to someone starting out.

Format & delivery

Instant digital download. A 44-page print-ready A4 PDF — print at home or read on any device. Written in British English, 100% UK-focused (PAYE, HMRC, ISA, LISA, FSCS — the acronyms you'll actually meet).

Licence

Licensed for personal use by one household. Please don't share, resell or redistribute — every purchase keeps pH going and lets us make more of this stuff for free on YouTube.

Also on the channel

Every topic in this guide has a matching short video on the pH Money YouTube channel — same simple structure, same voice. Watch first, revise with the guide, keep it as a reference. Or the other way round.