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The field guide
39 short guides in plain English. Every one free, no account needed.
Read these in a week and you'll know more than most people do about their money.
Got a teenager? There's a garden for that.
4 question packs where they guess first, see the real answer, then grow a plant. No account, no email, nothing collected — made for 13 to 18.
Everything here is free, and stays free. With a free account, Blooom also points out which guides speak to your own money picture — and remembers where you got to.
39 lessons
What an ISA actually is, the £20,000 allowance, and how the different types compare.
Read lessonWhy a cash buffer is the foundation of every financial plan — and how big yours should be.
Read lessonIndex funds, why time in the market matters more than timing, and how to begin with as little as £25.
Read lessonWhy higher potential returns come with bigger ups and downs — and how to think about that in plain English.
Read lessonWhat a fund actually is, how index funds and ETFs differ, and what the OCF tells you — plain English, no jargon.
Read lessonThe 'don't put all your eggs in one basket' idea, and why spreading investments can smooth the ride.
Read lessonInvestments sit inside a 'wrapper' that decides how they're taxed. Here's what each one is, conceptually.
Read lessonThe two main costs — the fund's OCF and the platform fee — and why small percentages add up over time.
Read lessonWhy investing a set amount regularly — pound-cost averaging — is a common, low-stress way to start.
Read lessonEmployer matching and tax relief make pensions one of the best-value moves you can make.
Read lessonIf your money earns less than inflation, it's shrinking in real terms. Here's the fix.
Read lessonMany of us couldn't say what our savings or mortgage rate is. Here's how to find yours — and why it matters.
Read lessonFour honest things that push savings and mortgage rates up and down — so the number on your account makes more sense.
Read lessonThe simple idea that turns small, regular saving into life-changing sums.
Read lessonA flexible rule of thumb for splitting your take-home pay without tracking every penny.
Read lessonBlooom shows the interest you earn, not a tax figure — because the rules depend on you. Here's how they work.
Read lessonThe Current Account Switch Service does the moving for you in 7 working days, guaranteed. Here's what actually happens — and why banks pay you to switch.
Read lessonHow cashback and voucher sites actually make money — and the one rule that decides whether they're worth it.
Read lessonWhichever way you get a car, you pay for the value it loses. Here's how buying, PCP and leasing stack up — and how to compare them fairly.
Read lessonISAs, pensions, LISAs, salary sacrifice and marriage allowance — what each one shelters from tax, conceptually.
Read lessonThat string of numbers and letters decides how much tax comes out of your pay. Here's how to read it — and spot when it's wrong.
Read lessonBeyond ISAs and pensions, the UK tax system has a handful of quieter allowances. Here's a plain-English tour of who each one is for.
Read lessonLife, income protection and critical-illness cover — what each is for and who tends to need it.
Read lessonThe three UK agencies, soft vs hard searches, and the simple habits that build a score over time.
Read lessonFixed, standard variable, Economy 7, EV, Agile and solar — what each type means, and why a single 'cheaper rate' comparison isn't fair for all of them.
Read lessonThe FSCS covers your cash up to £120,000 — but per banking licence, not per brand. Here's what that really means.
Read lessonWhat happens when a fixed deal ends, what LTV and ERC mean, and how the pieces fit — in plain English.
Read lessonHow a broker fits in, why many are fee-free, and the difference between advice and execution-only.
Read lessonWhy a UK student loan behaves less like a normal debt and more like a graduate tax — and why 'pay it off faster' can cost more, not less.
Read lessonHow swapping some salary for a pension contribution works, the National Insurance and tax it saves, and the trade-offs to know first.
Read lessonWhat the £3,000 annual exempt amount is, the 2026/27 rates, and how ISAs and pensions shelter gains from tax altogether.
Read lessonWhy paying down a mortgage is a guaranteed saving while investing is an assumption — and why projections are always labelled illustrative.
Read lessonWhat a bank account actually is, the difference between a current account and a savings account, and how your money stays safe.
Read lessonThinking about a first job? Here's what to expect when you start earning — the payslip, tax, National Insurance, and the minimum pay for your age.
Read lessonA budget is just a simple plan for your money so it lasts. Here's an easy way to split what you've got — no spreadsheets needed.
Read lessonTrainers, a concert, a first car — saving up beats borrowing. Here's how to make a goal happen, a bit at a time.
Read lessonBorrowing means using money that isn't yours yet — and paying extra for it. Here's how to tell sensible borrowing from the kind that traps people.
Read lessonScammers target young people online too. Here's how to spot the common tricks and keep your money and accounts safe.
Read lessonMoney you save young has the most time to grow. Here's the gentle magic of compound growth — and why a small start beats a late big one.
Read lesson