The Genwel Blog
Practical advice on budgeting, saving, clearing debt, and getting ahead with your money, written for real life.
Latest Articles
76 articles
Balancing Your Savings While Supporting Relatives Financially
General guidance on managing your own savings goals while helping family members financially, without compromising your future financial security.
How to Prioritise Debts: A UK Guide to Paying Smart
Understand how UK households can think about ordering debt repayments, from priority bills to interest rates, as general guidance rather than financial advice.
Getting a Mortgage With Bad Credit in the UK: Your Options
Wondering if a mortgage is possible with bad credit in the UK? Explore how lenders view credit history and what factors may affect your options.
Marriage Allowance: Are You Missing Out on Tax Relief?
Learn how UK Marriage Allowance works, who may be eligible, and how couples can check if they qualify to transfer unused Personal Allowance and reduce tax.
Maternity & Paternity Leave: A UK Money Planning Guide
Thinking about maternity or paternity leave? Learn how to budget for reduced income, understand UK pay rules and plan your finances with confidence.
Self-Employed Tax Tips: Manage Your Finances in the UK
General guidance for self-employed workers in the UK on organising tax records, understanding allowances, and planning ahead for Self Assessment deadlines.
The Psychology of Saving: Why It Feels So Hard
Explore the psychology behind saving money and why it can feel so difficult, plus general tips to help build better savings habits over time.
Zero-Based Budgeting: A Simple Guide for Beginners
Discover the essentials of zero-based budgeting, a method to manage your finances effectively by allocating every pound a purpose. Ideal for beginners.
How to Say No to Family Asking for Money
Learn how to decline family requests for money gracefully and guilt-free. Discover strategies to maintain relationships while protecting your finances.
Budgeting for Couples: Joint or Separate Accounts?
Explore the pros and cons of joint vs. separate accounts for couples. Find the best budgeting strategy for your relationship.
How Comparison Stalls Your Financial Growth
Discover how comparing yourself to others can hinder your financial progress and learn strategies to focus on your own financial journey.
Rebuild Your Credit Score: A Step-by-Step Guide
Learn how to rebuild your credit score from scratch with practical steps and tips. Improve your financial health and secure better credit opportunities.
Should You Go Self-Employed? Financial Pros & Cons
Explore the financial pros and cons of self-employment in the UK. Understand the realities before making the leap to being your own boss.
Essential Tax Tips for UK Delivery Drivers
Discover crucial tax tips for UK delivery drivers and couriers to maximize earnings and stay compliant. Learn about deductions, allowances, and more.
Create a Family Support Budget for Future Security
Learn how to set up a family support budget that ensures financial security for your future. Discover tips and strategies for effective budgeting.
Money Lessons from the UK Cost of Living Crisis
Discover essential money lessons from the UK's cost of living crisis to improve your financial resilience and budgeting skills.
20 Practical Tips for Saving Money on a Tight Budget
Discover 20 practical tips to save money even on a tight budget. Learn how to manage your finances effectively and boost your savings effortlessly.
Compound Interest: The Eighth Wonder of Finance
Discover why compound interest is dubbed the eighth wonder of the world and how it can significantly boost your savings over time.
Breaking Financial Shame: Steps to Reclaim Control
Discover effective strategies to overcome financial shame and regain control of your finances. Empower yourself with practical tips and insights.
Balancing Self-Spending with Family Financial Needs
Learn how to manage the guilt of spending on yourself while ensuring your family's financial needs are met. Tips for balanced personal and family finance.
Financially Prepare for Redundancy: A UK Guide
Learn how to financially prepare for redundancy in the UK with practical tips on budgeting, saving, and managing expenses effectively.
Envelope Method: Effective Old-School Budgeting
Discover the envelope method, a proven old-school budgeting technique that helps you manage finances effectively and stay on track.
Declaring Cash-in-Hand Work: Essential UK Guide
Learn how to declare cash-in-hand work in the UK, understand tax implications, and stay compliant with HMRC regulations. Essential tips for freelancers.
Automate Your Savings: Set It and Forget It Easily
Discover how to automate your savings effortlessly. Learn tips to set it and forget it, ensuring your financial goals are met without stress.
Overcome Money Anxiety: Step-by-Step Guide
Discover effective steps to overcome money anxiety and gain financial peace of mind. Learn practical strategies to manage your finances confidently.
Understanding the UK Tax System: A Simple Guide
Discover how the UK tax system works, from income tax to VAT, and learn how it impacts your finances. A must-read for UK taxpayers.
Create a Remittance Schedule That Works for All
Learn how to create a remittance schedule that suits everyone's needs, ensuring timely and efficient money transfers for your family or business.
Managing Emotions as the Family Breadwinner
Explore the emotional challenges faced by family breadwinners and discover strategies to manage stress and maintain financial well-being.
Student Finance: Loans, Grants & Budgeting Tips UK
Explore essential student finance tips, including loans, grants, and budgeting strategies to manage your money effectively in the UK.
How Much Money to Send Home Monthly: A Guide
Discover how to determine the right amount to send home each month without compromising your financial stability. Tips for budgeting and saving included.
Understanding National Insurance Contributions UK
Learn about National Insurance contributions in the UK, how they affect your finances, and why they are essential for your financial planning.
Debt Management Plans vs Bankruptcy: Key Differences
Explore the key differences between debt management plans and bankruptcy to make informed financial decisions in the UK.
How Upbringing Shapes Your Money Habits
Discover how your childhood experiences influence your financial decisions and learn strategies to develop healthier money habits.
Subscription Audit: Uncover Hidden Costs Draining You
Learn how to conduct a subscription audit to find and eliminate hidden costs that are silently draining your bank account each month.
Working Tax Credits vs Universal Credit: Key Differences
Explore the key differences between Working Tax Credits and Universal Credit, and how they impact your finances in the UK.
How to Save for Your First Car in the UK: A Guide
Discover effective strategies to save for your first car in the UK. Learn budgeting tips and financial advice to reach your goal faster.
How to Price Your Freelance Services Effectively
Learn effective strategies to price your freelance services competitively and attract more clients. Maximize your earnings with these expert tips.
Master Budgeting with Irregular Side Hustle Income
Learn effective strategies to manage your budget when earning irregular income from side hustles. Achieve financial stability with our expert tips.
Negotiate Better Rates on Bills: A UK Guide
Learn effective strategies to negotiate better rates on your bills and save money. Discover tips tailored for UK residents to cut down expenses.
First Job Finances: A Complete Guide for UK Starters
Discover essential tips for managing your finances with your first job in the UK. Learn budgeting, saving, and investing strategies tailored for beginners.
Effective Ways to Cut Household Bills in the UK
Discover practical strategies to reduce your household bills in the UK. Save money with these effective tips and improve your financial health today.
Opening Your First ISA: A Beginner's Guide
Learn how to open your first ISA savings account in the UK. Discover the benefits, types, and tips for maximizing your savings.
Building a Healthy Relationship with Money: A Guide
Learn how to build a healthy relationship with money. Discover tips and strategies to improve your financial well-being and achieve your goals.
Understanding Credit Scores in the UK: A Complete Guide
Learn how credit scores work in the UK, why they matter, and how to improve yours. Essential tips for managing your financial health effectively.
How to Discuss Money Boundaries with Family Effectively
Learn effective strategies for discussing money boundaries with family members to maintain healthy relationships and financial well-being.
Top Methods to Send Money Abroad from the UK
Discover the most efficient and cost-effective ways to transfer money internationally from the UK. Save on fees and ensure secure transactions.
Managing Financial Stress: Tips for UK Residents
Discover effective strategies to manage financial stress and anxiety, tailored for UK residents. Learn how to regain control of your finances today.
Budgeting Apps vs Spreadsheets: What Really Works?
Discover the pros and cons of budgeting apps versus spreadsheets. Find out which method suits your financial goals and lifestyle best.
Escape the Overdraft Trap: Practical Tips for UK Savers
Discover effective strategies to break free from the overdraft cycle and regain financial control. Perfect for UK savers seeking practical advice.
SIM-Only Deals: Are They Worth It for UK Users?
Explore the benefits and drawbacks of SIM-only deals in the UK. Find out if switching from a mobile contract can save you money.
Index Funds Explained: Simple Investment Strategy
Discover how index funds offer a straightforward, low-cost way to invest in the stock market. Learn the benefits and how to get started today.
Understanding Universal Credit: A UK Benefits Guide
Explore how Universal Credit works in the UK, its benefits, eligibility criteria, and how it impacts your personal finances.
How to Build an Emergency Fund on a Low Income
Learn practical strategies to build an emergency fund even on a low income. Secure your financial future with these actionable tips.
High-Yield Savings Accounts UK: Are They Worth It?
Explore the benefits and drawbacks of high-yield savings accounts in the UK. Find out if they're the right choice for your financial goals.
Beginner's Guide: Start Investing with No Experience
Learn how to start investing with no experience. Discover simple steps and tips to grow your wealth and secure your financial future.
Mastering Gig Economy Finances: Uber, Deliveroo & More
Discover essential tips for managing finances in the gig economy, from Uber to Deliveroo, and secure your financial future. Learn budgeting, saving, and more.
Energy Bills Explained: Switch & Save Money Easily
Learn how to switch energy providers and save money on your bills. Our guide simplifies the process for UK households. Start saving today!
Financial Self-Care: Beyond Just Saving Money
Explore financial self-care strategies that go beyond saving, focusing on holistic approaches to improve your financial well-being in the UK.
Child Benefit in the UK: Eligibility and Claim Process
Learn who qualifies for Child Benefit in the UK and how to claim it. Understand the eligibility criteria and application steps for this financial aid.
NHS Costs Explained: What's Free and What's Not?
Discover which NHS services are free and which incur costs. Navigate UK healthcare expenses with our comprehensive guide.
Why Your Budget Fails & How to Fix It Effectively
Discover common reasons why budgets fail and learn effective strategies to fix them. Achieve financial stability with these practical tips.
Teaching Kids Family Financial Responsibilities
Discover effective ways to teach your children about family financial responsibilities and instill smart money habits for their future.
Understanding Your Payslip: Where Does Your Money Go?
Decode your payslip with our guide. Learn about deductions, taxes, and net pay to better manage your finances and maximize your earnings.
Pension Basics for Young UK Professionals
Discover essential pension tips for young UK professionals. Learn how to start saving early and secure your financial future with our expert advice.
Cut Grocery Costs Without Coupons: Smart Shopping Tips
Discover effective strategies to reduce your grocery bills without relying on coupons. Save money with smart shopping techniques and meal planning.
Is Switching Bank Accounts for Cashback Worth It?
Explore the pros and cons of switching bank accounts for cashback offers. Learn if the benefits outweigh the hassle in the UK market.
Mastering Multiple Income Streams: Effective Strategies
Discover effective strategies to manage multiple income streams and boost your financial stability. Learn how to balance and optimize your earnings.
How to Build a Passive Income Stream in the UK
Discover effective strategies to create a passive income stream in the UK. Learn how to invest smartly and secure your financial future.
Council Tax Discounts: Save More on Your Bills
Discover hidden council tax discounts you might be missing and learn how to save more on your bills with our comprehensive guide.
Essential Money Tips for UK University Students
Discover essential money tips for UK university students to manage finances effectively, save money, and avoid debt during your academic journey.
Top Budgeting Methods Tested for UK Households
Discover the most effective budgeting methods for UK households. Learn how to manage your finances better with our tested strategies.
Track Spending Mindfully: Balance Without Obsession
Learn how to track your spending effectively without becoming obsessive. Discover mindful techniques to manage your finances with ease.
Mastering Financial Tests: A Guide for UK Residents
Discover essential financial tests for UK residents to improve budgeting, saving, and investing. Enhance your financial literacy today.
How to Save for a House Deposit in the UK: Top Tips
Discover effective strategies to save for a house deposit in the UK. Learn budgeting tips and financial advice to reach your homeownership goals.
Build an Emergency Fund While Supporting Family Abroad
Learn how to build an emergency fund while supporting family abroad. Discover practical tips to balance financial responsibilities effectively.
Manage Remittances Without Breaking Your Budget
Learn how to manage remittances effectively without overspending. Discover tips to keep your budget intact while supporting loved ones abroad.