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Money Ready UK

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Money Ready UK

Money Ready is a charity dedicated to creating a financially fluent population.

We work with over 50,000 people across the UK every year, delivering expert-led, high-impact financial education programmes. Money Ready is a charity that helps 7-37-year-olds manage their money and make enterprising choices.

12/10/2026

"I was never taught how to save by anyone."

These are the words of a young person who took part in our new research funded by Berkeley Foundation. The findings show they're not alone.

Nearly 1 in 4 young adults in the UK say they've never received any financial education at all. Saving for the future is the single most commonly delayed life plan among those who've faced housing insecurity, something both of our focus groups pointed to as the one thing that would have protected them most.

It was a lesson nobody gave them, missed at the point they needed it most.

Swipe to read more of what young people told us, in their own words ➡️

Read the full report 'The missing money lesson behind homelessness: Financial literacy and its impact on housing insecurity in the UK': https://moneyready.org/update/new-research-young-adults-with-poor-financial-literacy-three-times-more-likely-to-face-rough-sleeping-or-eviction/

10/10/2026

Behind every door is a struggle you might not see, and a money worry someone is carrying quietly.

Through our research funded by the Berkeley Foundation, we found that 50% of young adults agree that a lack of financial education directly contributes to housing struggles.

That's the missing money lesson behind so many of these stories. Not recklessness, not bad luck, just a gap in knowledge that nobody filled in time.

It's a gap we can close together.

📖 Read the full report: https://moneyready.org/update/new-research-young-adults-with-poor-financial-literacy-three-times-more-likely-to-face-rough-sleeping-or-eviction/

Inspired by Mind.

Image description: Montage of front doors. In front of each door is an individual story: a person who just borrowed again to cover this month's rent, a couple who have had to put their plans to start a family on hold, someone who was never taught how rent or credit actually work.

09/10/2026

Prime Minister Andy Burnham has committed to ending rough sleeping in the UK, noting that "With a good home, everything is possible. Without one, it feels like nothing is." Our new research, funded by Berkeley Foundation, shows why financial education has a clear role to play.

Our research found that young adults who scored lowest on a standard test of financial literacy are nearly twice as likely to have experienced housing insecurity as those who scored highest.

The cost-of-living crisis has made money harder to manage for almost everyone. For young adults entering the housing market for the first time, often with little in the way of savings, no credit history, and no one having explained how either of those things really work, an already difficult transition has become significantly harder.

We are aware that financial education alone won't fix the housing crisis in the UK. But we believe it's a missing tool for prevention, one factor among several that shapes what happens to a young person during a housing crisis. Our findings back this up.

We're publishing this research to mark World Homeless Day 2026. Because understanding how money works, especially as it relates to housing, shouldn't be a privilege. It should be something everyone has access to; at the point they need it most.

And when a lack of financial knowledge contributes to someone losing their home, the system should notice, and act.

📖 Read the full report:https://moneyready.org/update/new-research-young-adults-with-poor-financial-literacy-three-times-more-likely-to-face-rough-sleeping-or-eviction/

Swipe through for our key findings →

08/10/2026

Are you ready to take control of your finances? 💷

Money Ready are running a two-day course designed for young people in transitional life stages to learn how to manage their money.

If you're leaving school, starting college, preparing to, or living independently for the first time, this course is made for you.

After completing both days, attendees will receive a Leve 1 Personal Money Management accreditation 🏵️

Plus, lunch is provided by Maurie's! 😋

Only 12 places are available. Find out more and register below ⬇️
https://nolimitshelp.org.uk/money-ready-course/

01/10/2026

We're delighted to share our 2025-26 Impact Report. 🎉

In our first full year as Money Ready, we brought together two organisations, continued our growth across all four nations of the UK, and supported over 66,000 learners to build confidence with money.

Explore the full report here: https://moneyready.org/update/money-readys-2025-26-impact-report/

Swipe through to see our highlights, or read a snapshot below. ️

➡️ We delivered 3,638 programmes. That's about 70 a week!

➡️ Of our learners aged 16+, 74% improved their financial knowledge.

➡️ In schools, learners' financial ability improved by 16.8% more than in schools without the programme. (As shown by research in partnership with King's College London, September 2025.)

➡️ We launched The Cost of Not Knowing, our first flagship campaign, revealing the £641 annual cost of delayed financial decisions.

➡️ In the press, we were delighted to see our work and feature in outlets including The Times, FT Adviser, Schools Week, and Voice of Islam Radio, plus many more.

None of this would have been possible without our dedicated partners and supporters...

➡️ 1,039 volunteers gave 4,990 hours, and our fundraisers raised over £10,500. 👏

Together, we're making money make sense.

25/09/2026

Can you help us improve care services in Scotland?

We’re looking for care experienced young people aged 16-30 based in Scotland to join our lived experience panel.

What’s involved? Panel members will join monthly meetings to share their perspective and experiences of being in care. Participants will be paid for their time and contributing to panel sessions and expenses will be covered.

No qualifications or previous panel experience needed.

To apply, complete our short form by 11:59 Sunday 11 October: https://tinyurl.com/yj9bvw3e

Please share with any young people you think are suitable! Places are limited so early applications are encouraged.

Got questions? Feel free to reach out to Kavneet Gill at [email protected].

24/09/2026

How can we improve financial futures for Northern Ireland's care-experienced young people?

In June, we brought together practitioners, carers, policymakers and partners in to explore the financial education landscape for care-experienced young people in .

Our new report captures the key themes discussed, including the "cliff edge" young people face when they leave care, the gap between what they're entitled to and what they actually receive, and eight recommendations for change.

Whether you're an educator, social worker, foster/kinship carer or policymaker, this is for you.

Read the roundtable findings here: https://moneyready.org/update/northern-ireland-roundtable-report-care-experienced-young-people/

08/09/2026

On International Literacy Day, we're taking a closer look at a term that gets used a lot - financial literacy. What does it actually mean in practice?

We see financial literacy as the starting point - the basic knowledge of financial terms and vocabulary, things like interest rate, credit score, direct debit.

But knowing the words isn't the same as knowing what to do with them. We call that next step financial fluency.

Fluency is reading your payslip and knowing what it means for this month's budget, then adapting as needed. It's understanding the implications of terms like ‘APR’ or ‘repayment period’ and using them to make informed decisions.

Financial fluency isn't about being an expert. It's about having the confidence to ask the right questions, spot the wrong deal, and make decisions that hold up under the real pressures of life like rising costs, a first job, moving house, and everything in between.

We believe the language of money is a language for life, and everyone deserves to be fluent, no matter where they started.

03/09/2026

What if your bank could teach you something useful about money?

In May, we brought policymakers, charities and local stakeholders together in Manchester to ask the question: could money education built into everyday financial products help close the financial equality gap?

Our new report captures the key themes discussed, including the cost of not understanding how money works, how the financial services industry could help, what's standing in the way, and a call for cross-sector collaboration.

Whether you're a financial services provider, a charity, or just wish you could learn more through your bank, this is for you.

📄Read the roundtable report: https://moneyready.org/update/new-money-ready-report-explores-how-money-education-within-financial-products-can-boost-financial-equality/

Have thoughts you’d like to add? We’d love to hear from you!

Complete our short survey by 9 October 2026: https://forms.cloud.microsoft/Pages/ResponsePage.aspx?id=mF5d9OcL6UyvXc_AY434jFmjPvxExPBAr-g9zYiIntZUOFowVFpJUkVYNjY0SEhaNlJTSTlLTjBSOC4u

28/08/2026

No one should be left to figure out money on their own.

Not as a teenager opening a first bank account, a young adult navigating their first payslip or an adult planning for retirement. Right now, too many people are, and that's not down to them. It's down to a system that treats financial education as optional.

In January, we launched The Cost of Not Knowing to change that.

Since then, we’ve achieved:

✍️ 131 signatures on our open letter
📧 47 MPs written to directly through our tool
📰 30+ pieces of national and trade media coverage
🤝 500,000+ people reached online

That's a lot more people talking about why financial education should be a right, not a privilege, at every stage of life.

But this is just the beginning. Thank you if you've taken the time to support the campaign this year. We're taking a moment to pause, reflect and plan next steps.

Watch out for more coming in January 2027.

Address

40 Gracechurch Street
London
EC3V0BT

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Website

http://www.moneyready.org/

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