The Young Money Blog – helping young people understand why money matters.

Established in 2011, the Young Money Blog was the first British blog set up to try and help young people get to grips with personal finance.

We are proud to be non-profit, authentic, independent and ethical. Anything you see on here hasn’t been bought or guided by commercial considerations – what you see here is journalism.

Its founder, Iona Bain, has gone onto establish a career as a personal finance journalist, author and commentator – you can find out more about her here.

She won Money Blogger of the Year at the 2016 Santander Media Awards and appears regularly on TV, radio and podcasts. Her most recent appearances have included BBC Breakfast, Radio 4’s Moneybox, ITV Tonight and Radio 5 Live.

We want to cover important news, insightful views, helpful developments and all the big issues affecting young people and their prosperity.


All written content on this site is for information purposes only. Opinions expressed herein are solely those of the Young Money Blog, Iona Bain and other guest writers unless otherwise specifically cited.  Material presented is believed to be from reliable sources and no representations are made by the Young Money Blog as to another parties’ informational accuracy or completeness.  The Young Money Blog’s purpose is to provide guidance and solidarity on some very complex issues. So if you intrigued by any ideas or views suggested here, it is worth seeking out professional advice or (at the very least) a trusted second opinion.

The Young Money Blog may provide links to others for the convenience of our users.  We have no control over the accuracy or content of these other websites!

WANT TO TALK TO US? We love to hear from our readers.

WANT TO COMMISSION IONA?  You can find out more about her freelance journalism here.

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PLEASE NOTE: The Young Money Blog does NOT do paid or unpaid guest posts for either advertising or SEO purposes. Please don’t get in touch offering these things, as you will be better off watering the plants/watching a box set/getting a tattoo of a unicorn.

16 thoughts on “THE YOUNG MONEY BLOG

  • May 24, 2013 at 5:47 pm

    Question for youngmoneyblog

    My name is Iren.
    I was reading through your blog and think its great!

    I was wondering if you had any thoughts about collaborating or featuring guest posts? I’m currently looking for partners to work with for a big insurance brand who is one of our clients, and if you’re interested, it would be great to discuss further.

    I’m looking forward to hearing from you and hopefully working with you into the future.

    Kind Regards,

  • July 17, 2013 at 6:20 pm

    Saw you on C4. Your major problem is that pensioners vote but your generation don’t so all power to the over 60’s.

  • July 17, 2013 at 6:50 pm

    Hello Iona,

    I have come across your blog after watching you on C4.

    I am a small part of a fast growing group called ‘Positive Money’ which aims to stop the continuing control of the debt-based money supply by private corporations otherwise known as BANKS!

    I would urge to look at the site and watch the clips on youtube, especially this one:



  • July 24, 2013 at 11:06 am

    Hi there,

    I hope you are well and don’t mind me getting in touch today.

    I am working on behalf of a client, who has produced some really interesting research looking at the ‘Top 5 Taboo Subjects’ people won’t discuss with their friends, family or partners.

    I was wondering if you would be interested in receiving this information? Maybe my client could write a guest post about the research?

    It would be great if you could let me know what you think, and if we might be able to work together on this.

    Kind regards,
    //Possible Guest Post on

  • September 1, 2013 at 2:45 pm

    Dear Iona,
    I enjoyed your presentation on the Keiser Report last week. I live here in San Francisco and matriculated at Stanford, Columbia and The LSE back in the early 90’s. I’d like to connect with you on Linkedin so we can network and find ways to help our youth and Millennial Generation.
    Your fan, Michael Dotterer
    San Francisco, CA

  • September 1, 2013 at 3:33 pm

    Hi Iona,
    It was great to see you on the Keiser Report.
    I strongly recommend that you watch a documentary film about the history of our money system and possible ways to “fix it”. It’s less than 2 hours long and is really well made and has even won awards.
    We can all end up going round and round in circles talking about housing, student debt, interest rates, etc, etc. But to have any chance to change or “fix” things it is important to understand how our current world money system works and just how corrupt it is. This film by Bill Still is one of the best that I have seen and should be considered essentail viewing.

  • September 1, 2013 at 4:42 pm

    I was watching you on the Keiser Report your very good at getting your pint across.

  • September 2, 2013 at 3:17 pm

    I think nothing will work until we have Debt Cancellation. I have favored what the previous commentator called Positive Money since I was 9 years-old. I do want a non-interest bearing currency like President Lincoln’s Greenback. Debt Cancellation was first scientifically described by the ancient Babylonians.

    I gave a modern example in a short article set in a near future with Debt Cancellation using a young black man in the US as an example.

    Please Google this “Eddie Reborn Into A World With Debt Cancellation”

    Thanks, Daniel

  • September 2, 2013 at 6:08 pm

    Hi Iona,

    I watched your interview at the Keiser report the other day on RT.

    Despite I don’t really fit your bill, I’m not a student in debt, you guys got all my sympathy since I find the whole financial system a scam.

    I must say though I think you were wrong, you’ll be glad to find out, when you mentioned there are no saving accounts out there that gives you a return over the inflation. Have you ever heard of Zopa? Check it out

    On another note, it looks like you got two websites with similar addresses
    and this one. You should do something as it might confuse people trying to read your blog.

    Keep it up with the hard work.



  • January 13, 2015 at 3:42 pm

    Good afternoon Iona,

    I work for Foresters Friendly Society. It is a very ethical, customer-centred organisation, as mutuals tend to be (no shareholders to pay out so profits go into bonuses on the savings plans plus extra benefits for members such as a GP consultation service and discounted will writing). It provides long-term savings plans, including plans for children.

    We produce regularly produce content helping families finance better. We’ve also created blog posts/infographics about finance education for children and various money-saving tips.

    There are 2 specific recent projects that I hope will be of interest to you. The first is a back-to-basics guide to saving. It’s an infographic that briefly explains why it’s good to save (it makes you happier!), how to save successfully, and easy ways to cut back so you can save a little regularly.

    As families are generally keen to save for the future but can often find it difficult to do in practice, whether down to time or money issues, I thought this might be useful as it is a simple, motivational guide to getting started. Here is the link to the blog that features it:

    We also carried out a survey on saving for children at the end of last year, and I’m sure this would be of interest to many readers. It covered how much parents save for their children’s future, how they do it, what they would like their children to use the money for, and what they actually think they will use the money for. It also surveyed teenagers to find out their attitudes to spending/saving and how they would spend a lump sum that their parents had saved for them.

    Do contact me if you would like any more information and in the meantime, I hope that this is of interest to you.

    Kind regards,


  • March 3, 2015 at 1:21 pm


    I recently stumbled across the site and I have to say, I’m now a fan! I particularly enjoyed the article ‘Should you invest in property rather than your pension?’ I found it interesting, that some reports are predicting that pensions may not exist by 2050 due to young people not showing interest in saving into funds that cannot be accessed until they are 55.

    The reason I was on your site in the first place is that I’m a blogger looking for sites to write content for, and I was hoping that I’d be considered to write something for Small business. I manage my own blog, The Skint Scot (feel free to have a look), where I look at everything financial and dip into other niches such as business and tech.

    The idea I have in my head at the moment would be about a guide on pensions, what are they? Why you should invest in one and what types are available

    Many thanks,

    • March 3, 2015 at 7:01 pm

      Hi Anil, do you want to drop me an email? ionabain[at] Thanks!

  • March 24, 2015 at 10:07 am

    Hi Iona

    I’ve been enjoying your blog. I’m a journalist from student finance website Student Money Saver. I was wondering if you’d be interested in using / writing about our student money survey results?

    We’ve found that:

    73.8% of students say their maintenance loan is not enough to live on
    41% of students have gone without food because of money concerns
    33.3% of students have had to sell possessions in order to make rent, pay bills or buy food
    28.7% of students said they have considered dropping out because they can’t afford to be there
    21.1% of students say that they had had to do other desperate things for money, other than selling possessions
    3.6% said they’d done something illegal for money
    28.9% of students say they can’t afford to put the heating on when it’s cold
    7% have taken out a payday loan, 40% regretted it
    74% of students are worried about money
    60% of students feel financially insecure

    The full press release and results, with images and quotes can be found here:

    Let me know if you have any questions, or if you think this is something you could use?

    Many thanks for your time

    James Felton
    Content Editor
    Student Money Saver


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