Practical Money

Most people seem genuinely confused by regular savers. In my experience, they usually fall into one of two camps: Either: “7%?! Sounds like risk-free stock market returns.” Or: “This sounds confusing and slightly annoying.” Can you withdraw money?Do you have to save…

I genuinely love First Direct. The black-and-white aesthetic, the lack of noise, the simplicity — it feels like banking stripped back to the essentials. No gimmicks, no clutter, no trying to sell you crypto or a holiday every time you…