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Money & Finance

Welcome to your go-to guide for all things money! This blog is here to help teens build smart financial habits early—whether you're earning your first paycheck, saving up for something big, or just trying to figure out how money works. From budgeting and banking to spending wisely and planning for your future, we break it all down in a way that actually makes sense. Because being confident with money isn't just about math—it's about mindset. Let’s get started.

“The way you handle money today shapes your future tomorrow. It’s not about how much you have, but how smartly you use it. When you start making intentional choices—saving, budgeting, and investing—you’re not just managing money; you’re building the freedom to live the life you want.”
— Anon
Spend Smarter: Making Your Money Last the Whole Month
Budgeting, Spending Simon Richardson Budgeting, Spending Simon Richardson

Spend Smarter: Making Your Money Last the Whole Month

Ever felt like your money disappears the second it hits your account? You’re not alone. Whether it’s a part-time job, allowance, or birthday cash, making it last a whole month can feel impossible—especially when snacks, subscriptions, and spontaneous shopping tempt you daily. But the truth is, with a few smart moves, you can keep your money from vanishing before the month is over.

Let’s break down how to make your cash stretch without feeling like you’re constantly missing out.

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Impulse Spending: What It Is and How to Avoid It
Budgeting, Spending Simon Richardson Budgeting, Spending Simon Richardson

Impulse Spending: What It Is and How to Avoid It

You walk into a shop to buy gum and leave with snacks, a phone case, and a hoodie you didn’t even know you wanted. Sound familiar?

That’s impulse spending—and it happens to the best of us.

Impulse spending means buying something in the moment, without planning for it or really thinking it through. It might feel exciting at the time, but those little “treat yourself” moments can seriously drain your wallet (and leave you wondering where all your money went).

In this post, we’ll break down what impulse spending really is, why it happens and provide smart hacks to avoid it—without feeling restricted.

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How to Save Money Without Missing Out
Budgeting, Spending Simon Richardson Budgeting, Spending Simon Richardson

How to Save Money Without Missing Out

Let’s be real—saving money sounds boring when all you want to do is hang out with friends, go to the movies, grab snacks, or shop online. Budgeting can feel like saying no to everything fun.

But what if we told you that you don’t have to choose between saving money and living your life?

Good news: You can do both.

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Don’t Fall for It: How Ads Trick You Into Buying Stuff
Spending, Advertising Simon Richardson Spending, Advertising Simon Richardson

Don’t Fall for It: How Ads Trick You Into Buying Stuff

Every day, you’re hit with ads—on your phone, during videos, on billboards, and even in your favourite games. They’re flashy, clever, and convincing. Before you know it, you’re wondering if you really need those sneakers, or why everyone seems to be using that new app. Spoiler alert: it’s not always because it’s the best thing ever—it’s because advertisers know exactly how to get inside your head.

In this post, we’ll break down the sneaky tricks advertising uses to get you to spend your money, even when you didn’t plan to. Understanding how ads work doesn’t just make you a smarter shopper—it helps you take back control of your choices (and your wallet).

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Smart Shopping: Tips for Spending Less and Getting More
Spending Simon Richardson Spending Simon Richardson

Smart Shopping: Tips for Spending Less and Getting More

Let’s face it — money doesn’t grow on trees, and being a teenager often means working with a tight budget. Whether you're spending your own cash or managing an allowance, it's easy to fall into the trap of impulse buys and empty wallets. But here's the good news: smart shopping isn’t about being cheap — it’s about being clever.

Learning how to stretch your money and still get what you need (and want) is a skill that will help you for life.

In this post, we’re breaking down simple, teen-friendly tips to help you spend less, shop smarter, and make your money go further. Let’s get into it.

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Take Control: A Teen’s Guide to Managing Money Like a Pro
Budgeting, Saving, Spending, Money Management Simon Richardson Budgeting, Saving, Spending, Money Management Simon Richardson

Take Control: A Teen’s Guide to Managing Money Like a Pro

Managing money can seem like a big, confusing task, but it’s actually something you can start mastering right now—no matter how old you are. Whether you’ve got a part-time job, receive an allowance, or are saving up for something special, understanding how to manage your money is one of the most important skills you can develop as a teen.

In this guide, we’ll break down the basics of budgeting, saving, and spending smartly. You’ll learn how to take control of your finances, set goals, and avoid the mistakes many people make when they’re just starting out.

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