School of X

This is the stuff we should’ve learned ages ago but we’re learning it now, together.

If you've ever looked at your payslip and thought, “What’s all this?” — you’re not alone.

If you’ve been trying to make your money stretch, wondering where it’s all going — we get it.

No jargon. No shame.

Just straight-up answers that actually make sense.

From tax codes to credit scores, pensions to mortgages — we’re breaking it down.

Not to overwhelm you.

Just to put the power back in your hands.

Contents

1. Basics of Taxes and Deductions

• What Is Income Tax?

• Understanding Tax Bands

• What’s National Insurance

• What About Deductions?

• Allowances, Tax Codes and Keeping More of Your Pay

2. National Insurance and Benefits

3. Retirement Planning and Pensions

4. Loans And Credit

5. Understanding Mortgages and Interest Rates

6. Savings, Investments and Building Wealth

7. Insurance: Protecting Yourself and Your Assets

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