UK Personal Finance Bundle · 2024/25

Stop
Winging It.

The complete UK personal finance bundle. 40-page playbook, full budgeting spreadsheet, and market cycle analysis. Go from guessing to knowing.

£14.99
One-time · No subscription
Instant download
Secure Stripe checkout Instant PDF + spreadsheet download Built for UK earners
Stop Winging It — PDF Guide Cover
UK Personal Finance Spreadsheet Dashboard
Financial Planning Bundle · £14.99
★★★★★ Rated 5 stars
📄 40-page PDF playbook
📋 6-sheet budgeting spreadsheet
🇬🇧 Built for UK finances
🔒 Secure Stripe payment
Does this sound familiar?

Most UK earners are flying blind with their money.

You know your salary. You have a rough sense of your outgoings. But the full picture — what you're really worth, what your pension will actually be, whether you can afford that house — stays frustratingly blurry.

You know your salary but not your real take-home after tax and NI
You contribute to a pension but have no idea what it'll be worth
You've never calculated your net worth as a single number
You're saving "something" but don't know if it's enough
You have a rough sense of outgoings but couldn't name the exact figure
You've got old pension pots you've half-forgotten about
What you're getting

Everything you need to get the full picture. Finally.

Not theory. Real UK numbers, real frameworks, and tools you can use this weekend.

Stop Winging It PDF Playbook

The 40-Page Playbook

Covers everything from your real take-home pay to pension projections to housing market analysis. Written specifically for UK earners — PAYE, NI, salary sacrifice, student loan — the real UK system explained clearly.

  • Your real take-home pay — PAYE, NI, salary sacrifice explained
  • A budget framework that doesn't require obsessive tracking
  • How to calculate your net worth properly
  • Pension projections with 6 what-if scenarios
  • Life events planner — holidays, cars, deposits
  • 90-day financial reset plan
  • Market cycles: dot-com vs AI, with charts
  • UK housing analysis — corrections, affordability, planning
No More Winging It Spreadsheet Dashboard

The UK Budgeting Spreadsheet

6 interconnected sheets that update automatically. Enter your numbers once — everything else calculates. Works in Microsoft Excel and Google Sheets.

  • Financial Dashboard — net worth, surplus, pension at a glance
  • Budget & Income — full PAYE tax calculator built in
  • Net Worth Tracker — assets, liabilities, 12-month trend
  • Pension & Projections — model your retirement
  • Life Events Planner — save for the big stuff
  • Transaction Log — track spending by category

What's in the bundle

One purchase. Three downloads. Everything you need.

1

Stop Winging It — The UK Personal Finance Playbook

40 pages. Six chapters covering PAYE, budgeting, net worth, pension projections, life events and a 90-day reset plan. Includes 2024/25 UK tax tables, useful resources appendix, and bonus macro chapters on market cycles and the UK housing market.

PDF · Instant download
2

No More Winging It — UK Budgeting Spreadsheet

The complete financial planning spreadsheet. 6 interconnected sheets. Built-in PAYE calculator, pension projections, net worth tracker, life events planner and transaction log. Works in Excel and Google Sheets. Updated for 2024/25.

Excel / Google Sheets · Instant download
3

Macro & Market Cycle Analysis

Bonus chapters drawing on ARK Invest Big Ideas 2026 and other research. Dot-com vs AI valuations, UK housing price-to-income history, previous correction analysis, and what these structural shifts mean for your pension assumptions and retirement horizon.

Included in the PDF
Is this for me?

This is for you if...

You're a UK earner who wants clarity — not more complexity.

★★★★★
Finally a UK finance guide that doesn't treat pension as an afterthought and actually understands how PAYE works. The spreadsheet alone is worth the price.
UK Buyer · Verified Purchase
🛡️

No-fuss guarantee

If the bundle isn't what you expected, email us within 30 days and we'll refund you in full. No questions, no hoops. We want you to feel confident buying — not anxious about it.

Questions

How do I get my downloads after purchasing?
You'll be redirected to a download page immediately after payment. Both the PDF and spreadsheet are available instantly — no waiting, no email needed.
What format is the spreadsheet in?
It's an .xlsx file that works in both Microsoft Excel and Google Sheets. In Google Sheets, just upload the file and make a copy — everything works automatically.
Is this financial advice?
No — this is educational content to help you understand your own finances. It's not regulated financial advice. For specific investment or pension decisions, consult a qualified financial adviser.
Which tax year does this cover?
All tax figures use UK 2024/25 rates — income tax bands, National Insurance, pension allowances, student loan thresholds.
Is there an app version?
Yes — No More Winging It is available as a free web app at nomorewingingit.ai. It does everything the spreadsheet does, automatically, with AI transaction categorisation.
Ready?

Stop guessing.
Start knowing.

40-page playbook · UK budgeting spreadsheet · Macro analysis

£14.99
One-time · No subscription · Yours forever
Secure Stripe checkout · Instant download · 30-day refund guarantee