About
The financial education the UK school system never gave you. Zero is a no-jargon, beginner-first guide to the money decisions that actually shape your life — payslips and tax, pensions, mortgages, ISAs, investments, insurance, wills, and the digital legacy nobody plans for. Each annual edition is fully refreshed for the new UK tax year, so the thresholds and allowances you hear match the ones on your payslip today. The series threads the author's own twenty-year journey through the same decisions — first house, first pension, first investments — making it equally useful whether you're starting out or finally figuring out what your pension actually does. Educational, not advice. Plain English. No selling.
