Free guide · 33 pages · 2026 to 2027 tax year figures
A 33-page guide for parents and carers of 13 to 17 year olds. The first job and what the law allows, the first payslip explained line by line, bank accounts and the money that may already be waiting, subscriptions, credit, saving, and how to talk about any of it without being tuned out.
33 pages, printableTwo worked payslipsEvery figure dated and sourced
Done.
The link is on its way to . Gmail will probably file it under Promotions, which is fair. If it is not in your inbox in five minutes, check Promotions, then junk, then email [email protected].
The first email of the series comes in a couple of days.
That is half of the eighteen checklist. The full list, and the guide behind it, is in your email.
Built on: GOV.UK, HMRC, the Money and Pensions Service, the FCA, the Bank of England, the ONS and Ofcom.
“Around two thirds of 18 to 24 year olds cannot add interest earned to a savings balance.”
In the guide: The years to fix that are 13 to 17, and the guide is built around them.
Money and Pensions Service analysis of its 2021 adult survey, cited in written evidence to Parliament in 2023. Young adults, not teenagers.
“The first payslip arrives and nobody explains it.”
In the guide: Two worked payslips for a seventeen-year-old, the Personal Allowance, National Insurance, and the band diagram to draw on the back of it.
“They can borrow at eighteen and have never practised.”
In the guide: What credit is, what the honest evidence on buy now pay later says, and the three questions to ask before borrowing anything.
Only 59 per cent of 18 to 24 year olds know they can check their own credit report, against 81 per cent of all adults. These are not failures of intelligence. They are the result of reaching adulthood having practised almost none of it.
Source: Financial Conduct Authority, Financial Lives 2024 survey. Awareness that the option exists, not whether it was used.
15 chapters, worked examples with real numbers, and the printable sheets at the back.
The toolkit at the back: the eighteen checklist, a term budget sheet, a recurring payments sheet, scripts for six everyday moments, and a chapter-by-chapter map of what Morechard does.
Every legal and tax figure comes from GOV.UK for the 2026 to 2027 tax year, and every other figure from the FCA, the Bank of England, the ONS, the Money and Pensions Service or another named source, with the year beside it. The tax figures change every April and the guide says so.
Where a figure is about adults, it says adults. Where a study is a single study, it says so: the guide's account of what research found about buy now pay later names the sample, the country and the limits.
Two worked payslips, the band diagram to draw on the back of the first one, a term budget sheet, and short scripts for the moments that come up: the first payslip, a free trial, a purchase they regret.
It recommends no bank, account, investment or insurer. Where Morechard is mentioned, it is in clearly marked notes you can skip.
Yes. We ask for an email so we can send the link. Whether you also get our short email series afterwards is your choice on the form, and you can stop it with one click.
The link to the guide. If you said yes to the series, about one email a fortnight on children and money. Nothing else. We use Brevo to send email, and we never sell your address or share it for anyone else's use.
No. It is general information for parents and carers. It explains how tax, National Insurance and credit work, and points to GOV.UK for the details that depend on your circumstances.
No. The guide works on paper and says where paper tends to run out.
Yes. You are welcome to print it and share it with other parents and carers, whole and unaltered. Please do not sell it or change it.
This one is for children aged 13 to 17. For 5 to 12, there is a separate guide on pocket money. Both, if your children span the ages. The Ultimate Guide to Children and Pocket Money.
Thirty-three pages, two worked payslips, and the checklist to tick together. Free, by email.
Done.
The link is on its way to . Gmail will probably file it under Promotions, which is fair. If it is not in your inbox in five minutes, check Promotions, then junk, then email [email protected].
The first email of the series comes in a couple of days.
