Free financial education personalised to your job. Learn to budget, invest, build credit and start a side hustle — in plain English, from creators who've actually done it.
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LyvL is not FCA-authorised and provides no regulated financial advice. Always speak to a qualified financial adviser before making real money decisions.
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Your job changes everything — your pension, your tax, your rights, your money moves. Pick the closest match.
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LyvL is an educational and social media curation platform. Not FCA-authorised. Not financial advice.All content is for general educational purposes. Always verify independently and speak to a qualified financial adviser before acting.
Budgetsee exactly where every £ goes — and take it back
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enter your income to get started
Monthly income
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Your spending
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50/30/20 breakdown
Needs
rent + food + transport · target 50%
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Wants
entertain + subs + other · target 30%
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Save & invest
what's left · target 20%
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2025/26 key numbers — know your rightsPersonal tax-free allowance: £12,570. NI threshold: £12,570. Minimum wage 18–20: £10.00/hr. Age 21+: £12.21/hr. Trading allowance (side hustles): £1,000/yr tax-free. If your employer pays less than minimum wage, they're breaking the law. Source: HMRC.
The quickest smart money move you can make todayThe average person aged 16–24 pays for 4+ subscriptions they barely use. Open your banking app right now. Cancel anything untouched in 3 weeks. That's usually £20–30 back with zero effort — the easiest financial win going.
LyvL is an educational and social media curation platform. Not FCA-authorised. Not financial advice.Always verify figures independently and speak to a qualified financial adviser before making any financial decision.
Investgrow wealth from £1 — your age is your biggest asset
Your age is the only advantage money can't buy£100/month invested from age 18 at 7% average return = £262,000 by age 60. Same £100/month from age 30 = £122,000. Compound interest is the closest thing to a financial superpower — and it only works with time. Start now, even with £1.
Step 1 before you invest a single pennyEvery financial educator agrees: build your emergency fund first. 3 months of living costs in easy-access cash. Without it, one bad month forces you to sell investments at exactly the wrong moment and wipes out your progress. General educational guidance — not personal advice.
Investment options
Compound interest calculator
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LISA deadline — April 2028The Lifetime ISA closes to new applicants April 2028. Open one now with just £1 to lock in access. The 25% government bonus is one of the best deals in UK personal finance. Source: 2025 Autumn Budget.
LyvL is an educational and social media curation platform. Not FCA-authorised. Not financial advice.Always verify figures independently and speak to a qualified financial adviser before making any financial decision.
Hustlepassive income, side hustles & extra cash — your way
UK side hustle tax 2025/26 — what you need to knowEarn up to £1,000/year from side hustles completely tax-free — no registration, no tax return needed. This is called the Trading Allowance. Over £1,000? Register as self-employed with HMRC for free in 10 minutes at gov.uk. Gig work (Deliveroo, Uber etc.) counts as self-employment — set aside 20–25% for tax above the allowance. Source: HMRC.
Side hustle ideas
LyvL is an educational and social media curation platform. Not FCA-authorised. Not financial advice.Always verify figures independently and speak to a qualified financial adviser before making any financial decision.
Learnfinancial literacy — 12 things school never taught you
Financial literacy — the stuff school never taught youISAs, compound interest, credit scores, good debt vs bad debt, NI, inflation. These 12 concepts are the foundation of every smart money decision you'll ever make. Every financially confident adult knows them cold. Tap any term to learn it in under 2 minutes.
Curated mentors
Social media curation — not endorsementsNo commercial relationships with anyone listed. Listing is not a recommendation. Think critically and verify independently.
Global mentors
US-based — globally relevant principles
Gold standard UK sourceMoneySavingExpert.com (Martin Lewis) — free, FCA-registered, has saved UK consumers billions. Check here first.
LyvL is an educational and social media curation platform. Not FCA-authorised. Not financial advice.Public figures referenced for educational illustration only — not endorsements. Always verify independently and speak to a qualified financial adviser before acting.