Penny's Guide to Money: The Complete UK Guide 2026/27

Meet Penny: retired, elegant, and very firm about your takeaway coffee habit.

Penny's Guide to Money walks you, step by step, from your very first budget to understanding bold investments, in plain English and fully updated for the UK's 2026/27 tax year.

Inside you'll learn:

• How to see where you really stand, and build a budget you'll actually keep

• How much to keep in an emergency fund, and where

• How to tackle debt, from credit cards to Buy Now Pay Later

• Pensions explained, including the State Pension and the 2027–2028 changes

• ISAs and tax-free allowances, including the new cash ISA limits from April 2027

• Investing basics and how portfolios are built

• Adventurous investments, and their very real risks

• Protecting what you've built: insurance, wills, inheritance tax and scams

Every chapter ends with a tick-box "Do this week" action list, plus worked examples and pointers to free, impartial help.

Education, not advice. This book explains how things work; it does not recommend any product. Investments can fall as well as rise. Penny is an AI-generated character.