PILLAR FIVE · THE RECEIPTS
Personal
Finance Basics
The foundations everything else is built on. Budgeting, saving, debt, credit scores, emergency funds, salary negotiation. Nobody is made to feel behind for starting here — this is where every rich girl begins. The door is open at every rung of the ladder.
✦ How to build a budget that actually works — without feeling like you're depriving yourself
✦ What an emergency fund is, how much you need, and how to build one from scratch
✦ The difference between good debt and bad debt — and how to deal with both
✦ How your credit score works and the simple habits that improve it over time
✦ How to negotiate your salary — what to say, when to say it, and how to stop leaving money on the table
"Every rich girl started somewhere.
This is where
most of them began."
Before the ISAs and the pension contributions and the investment portfolio — there are foundations. A budget. An emergency fund. A credit score you understand. Money you're not losing to debt you don't need to carry. This pillar builds those foundations — wherever you're starting from.
BUILD IN THIS ORDER
The four foundations — in order
THE BUDGET FRAMEWORK
The 50/30/20 rule explained
The 50/30/20 rule is a framework, not a rulebook. If you live in London on an average salary, 50% for needs might feel impossible. Adjust the percentages to your reality — what matters is the principle: needs first, fun second, future always. 🖤
Build your emergency fund
in five steps
An emergency fund is not optional. It's the thing that stops every financial shock becoming a financial crisis. Without it, a broken boiler or an unexpected job loss goes straight on a credit card — and you pay for it twice.
Here's how to build one from zero — without needing a lump sum to start.
Personal Finance Receipts
"Pay yourself first.
Every single month.
Before the nights out.
Before the online shopping.
Before anything else."
Your future self is not going to thank you for the ASOS order. She will thank you for the standing order. 🖤
YOUR HOMEWORK
The financial audit checklist
Keep these in the notes on your phone. Write them down on a piece of paper to wake up to. Wherever holds you accountable.
This is your future - and you are in full control of it.
KEEP EXPLORING
More receipts to discover
ISAs & INVESTING
THE WEEKLY RECEIPT