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GradIRL: Grad In Real Life.Today's thought: You do not need to have everything figured out.Today's thought: Your first job is a step, not a life sentence.Today's thought: Small money habits can create real breathing room.Today's thought: Progress counts, even when it feels slow.Today's thought: Asking for help is a strength.
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Finance

Money management for graduates — budgeting, student loans, saving and building financial confidence.

What you'll find here

01

Budgeting basics

Learn how to manage your money, understand your payslip, and plan for the future.

02

Debt and loans

Clear, non-judgemental guidance on student loans, credit, and repaying debt.

03

Saving strategies

Practical tips for building savings on a graduate salary, however small.

Articles

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finance

Surviving Your First Year Post-Uni in a High-Cost City

A practical budgeting guide for recent graduates, breaking down what it really costs to live in places like London and other expensive UK cities, and offering realistic tips for managing rent, bills, food, transport and everyday life after university.

finance

Student Loan Repayment in England: What Changes? What Stays?

Student loan repayment in England changed in April 2026 with the first Plan 5 borrowers entering repayment. Whether you are on Plan 2 or Plan 5, the mechanics are the same, but the thresholds, interest rates and write-off periods differ. This guide explains everything you need to know, without the jargon or the panic.