The financial guide for whatever life just threw at you.
Plain-English guides for the money decisions that don't come with instructions. Pick your situation and get started.
What's happening in your life right now?
Each guide covers the financial rules, the key decisions, and the questions worth asking a professional — for that specific moment.
Buying Your First Home
Your complete guide to getting on the property ladder
Having a Baby
Maternity pay, childcare costs, and family budgets
Getting Married
Planning a wedding without breaking the bank
Divorce & Separation
Untangling your finances fairly
Facing Redundancy
Your rights and immediate financial steps
Starting a Business
Tax, self-employment, and getting started
Starting Your First Job
Understanding payslips, tax codes, and pensions
Going to University
Student loans, budgeting, and surviving uni
Approaching Retirement
Pensions, state benefits, and planning ahead
Bereavement & Inheritance
Managing an estate and inheritance tax
Caring for an Elderly Parent
Funding care and managing their affairs
Moving Abroad
Tax implications and international finances
Why FundedLife exists
Most financial websites are built around products. Mortgages, ISAs, pension funds. You're expected to already know what you need and go looking for it.
Real life doesn't work that way. People don't browse for financial products in the abstract. They get pregnant, or redundant, or they inherit something unexpectedly, and then they need to figure out what that means for their money. Fast.
FundedLife is organised around those moments. Every guide covers one specific life stage, in plain English, with links to official UK sources and a clear steer on when you need professional advice.
We're not regulated by the FCA and we don't offer personalised advice. What we do offer is a clear picture of the rules, the options, and the right questions to ask, so that when you do speak to a professional, you're not starting from scratch.
What makes this different
UK personal finance is genuinely complicated. The rules change regularly, the thresholds interact in ways that aren't obvious, and the government guidance, while accurate, isn't exactly written for a Tuesday night when you're trying to understand your tax code.
We stay on top of HMRC updates, FCA rule changes and annual Budget announcements so the guides stay current. Every article carries a "last reviewed" date.
We may feature partner links or referral arrangements from time to time. When we do, we say so clearly. The editorial content is independent regardless.
Plain-English explanations
No jargon, just clarity.
Updated for 2025/2026
Based on the latest tax year rules.
Free to read, always
Independent info for everyone.
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Common questions
What's a life stage financial plan?
It's a way of organising your money around specific events rather than vague goals. Instead of "save more," you prepare for concrete moments: a first home deposit, a maternity leave, an inheritance. The advantage is that large expenses become predictable, and you can have the right safety nets in place before you actually need them.
Why is UK financial planning different?
Because the system is built around UK-specific mechanisms that generic advice doesn't cover. ISAs, Stamp Duty Land Tax, Child Benefit tapering, the NHS, Making Tax Digital. These interact in ways that matter. Advice written for a global audience tends to miss the details that affect you most.
Do I need a financial adviser?
For major decisions, yes. FundedLife gives you the context and vocabulary to understand your options, but a qualified, FCA-regulated adviser will look at your specific income, debts and goals and give you a recommendation tailored to you. Use our guides to prepare for that conversation. You can find a regulated adviser through Unbiased or the FCA Financial Services Register.
The information on this website is for general guidance only and does not constitute financial advice. Always consult a qualified financial adviser before making major financial decisions. FundedLife is an independent information resource and is not regulated by the FCA.