Money and Finance
From budgeting in your first year to planning your estate. Covers debt, benefits, pensions, savings, wills, and making sure your finances and your family are properly protected.
22 of 22 e-books
Medical Negligence: When NHS or Private Care Falls Short
Most medical care in the UK, whether through the NHS or a private provider, is delivered properly, safely, and to a good standard. Doctors, nurses and other healthcare professionals get things right the overwhelming majority of the time, often in difficult and pressured circumstances. This ebook is not about undermining that trust. It is about the smaller number of cases where care genuinely fell below the standard it should have met, and where that failure caused real, avoidable harm.
Debt and Financial Crisis After Leaving the Military
Financial difficulty after leaving the military is not unusual. The transition involves a set of economic disruptions that happen simultaneously: income drops, housing costs rise, the allowances that supplemented military pay disappear, and civilian employment often takes longer to secure than anyone told you to expect. The resettlement grant provides some cushion. It is usually not enough.
Gold and Silver Investment Secrets: A Guide for UK Investors
Gold and silver have been a store of value for thousands of years, and interest in them among UK investors has grown steadily as people look for ways to protect their savings against inflation and uncertainty. This guide sets out, in plain terms, what these metals are worth to an investor, how to buy and store them safely in the UK, what HMRC expects from you, and where the real risks lie.
How To Control Your Spending & Save Money Effectively
Money affects almost every part of life, but it is something a lot of people rarely stop to think about properly. It is not only about what is sitting in your bank account at the end of the month. It also shows up in the everyday choices you make, the habits you build, and the way you prioritise what matters most to you.
MOD Claims for Service Related Injury and Illness
Most people who join the Armed Forces accept, in a general sense, that the job carries risk. Training pushes people hard, deployments are unpredictable, and the working conditions are often nothing like a civilian job. What tends to surprise veterans later in life is that accepting those risks is not the same as accepting every injury or illness without question, whatever the cause.
Road Traffic Accidents: Making a Claim After a Crash
A road accident can happen to anyone, and veterans are no exception, whether that means a collision behind the wheel of a service vehicle, or a crash as a civilian driver, passenger, cyclist or pedestrian. This ebook is about what comes after: understanding whether you have grounds to claim compensation, and what that process actually looks like.
Financial Planning for Your Family
Managing money as a family looks different from managing it alone. Once children, housing, school costs, and long-term plans are involved, decisions carry more weight, and it is easy to feel like you are reacting to whatever comes up rather than working to a plan.
Industrial Disease: Asbestos, Noise and Chemical Exposure Claims
Some injuries happen in a single moment, a fall, a crash, or a piece of equipment failing. Others build up so gradually that nobody notices until years, sometimes decades, have passed. Industrial disease belongs firmly in that second category. It catches a lot of people out precisely because there was never a single incident to point to, only years of ordinary working life that turned out to carry a hidden cost.
MOD Claims for Bullying, Harassment and Missed Mental Health Care
Ask someone what an MOD compensation claim looks like, and most will picture a training accident, faulty equipment, or an illness caused by something in the working environment. Those cases matter, and we cover them elsewhere. But there is a second, less visible category of harm, one that comes not from an accident or a hazard, but from how a person was treated by the organisation and the systems around them.
Public Liability Claims After Service
Accidents in public places happen to almost everyone at some point, a slip on a wet supermarket floor, a trip over a broken paving slab, a fall on badly lit steps outside a pub. Most of the time, these are genuinely just accidents, nobody's fault, bad luck, and nothing more comes of them. Sometimes, though, an accident like this happens because whoever was responsible for that space failed to keep it reasonably safe, and where that is the case, you may have grounds for what is known as a public liability claim.
Tenancy Disputes and Eviction: Know Your Rights
Renting a home comes with a set of legal rights that most long-term civilians pick up gradually, through experience, through friends comparing notes, through simply having rented the same flat for years and dealing with the same landlord long enough to know where they stand. Military life rarely allows for that kind of gradual learning. Frequent postings, service accommodation, and a working life spent moving on a timetable set by the Armed Forces rather than a landlord mean that plenty of veterans reach civilian renting with genuinely less exposure to tenant rights than most people their age.
Contested Wills and Inheritance Disputes: What Veterans Need to Know
Every year, a meaningful number of estates end up disputed in some way, and the veteran community is no exception. Long service, frequent postings, second marriages and blended families all tend to make a decades-old will less reliable a guide to what someone actually wanted by the time they die.
Mis-Sold Pensions and Investments: Know Your Rights
Most people assume that if a financial adviser recommended something, it must have been the right call. For the most part, that trust is well placed. Advisers are regulated, held to professional standards, and the majority do their job properly. But "most of the time" is not the same as "always," and pensions and investments are exactly the kind of product where a wrong recommendation can be expensive, hard to spot at the time, and even harder to notice years later once the damage is done.
Inheritance Tax: What Veterans Need to Know
All tax thresholds and rates in this guide were correct at the time of writing but are subject to change at Budget. Verify current figures at gov.uk/inheritance-tax before making any decisions.
Care Fees and Later Life Planning
Note on figures: Care costs and means test thresholds in this guide are based on published data and change annually. Verify current figures before making any decisions.
Lasting Power of Attorney: Planning Ahead
Most people assume that if they lost mental capacity, their family would automatically be able to step in and manage things. Their spouse would access the bank account. Their children would make decisions about their care. A close friend would be able to sort things out.
Probate and Estate Administration: What Families Need to Know
When a veteran dies, their family is left to manage a series of practical and legal tasks, usually while grieving and often under financial pressure too. This guide explains what needs to happen, in what order, and where to get help.
Trusts and Trust Planning for Veterans and Families
Trusts have a reputation for being complicated, expensive, and something only wealthy families bother with. None of that is quite right.
110 Tips for Better Business, Relationships, Health and Financial Freedom
More often, the biggest improvements come from small decisions repeated consistently over time. The way we spend our mornings, the habits we build, the people we invest in, and the choices we make each day gradually shape the direction of our lives.
Wills: Making Sure Your Wishes Are Carried Out
Most people put off writing a will. Not because they do not care about what happens to their family when they are gone, but because sitting down to think about it feels uncomfortable. Veterans are not immune to this, even though they tend to be more clear-eyed about mortality than most.
Financially Free
Most people spend years believing that financial freedom is reserved for a fortunate few. They assume wealth belongs only to those born into privilege, given rare opportunities, or naturally gifted in business. Yet financial prosperity often begins much earlier than money itself. It starts with beliefs, habits, awareness, and the willingness to think differently from the majority.
How to Build Empowered and True Wealth
Most people grow up believing wealth is reserved for a small group of lucky individuals. Society often teaches that financial success belongs only to those born into opportunity, advanced education, or privileged circumstances. As a result, many people quietly convince themselves that true wealth is unrealistic for them.