Hi, I’m Thomas Reid — founder of Your Finances 101.
I started this blog with a simple goal: to help people across the UK take control of their money, one clear, no-nonsense post at a time.
Like many of you, I didn’t grow up with financial advice handed to me. Most of what I know, I had to learn the hard way — through trial, error, and far too many hours spent decoding bank jargon and tax rules. Over time, I realised that personal finance doesn’t have to be complicated — it just needs to be explained in plain English, with real-world context.
That’s exactly what Your Finances 101 is all about.
Whether you’re looking to start saving, get on top of your budget, make sense of your payslip, or finally understand how pensions work — this blog is here to give you straightforward, practical guidance tailored for UK readers. No fluff. No financial snobbery. Just helpful advice you can actually use.
I write about topics that matter to everyday people: from building an emergency fund and dealing with debt, to investing wisely and planning for retirement. I also cover side hustles, taxes, credit, and property — because personal finance touches every part of modern life.
My writing is grounded in real experience, not theory. I’ve worked in both the public and private sectors, navigated the ups and downs of the gig economy, and made my fair share of financial missteps along the way. I’m not here to pretend I’ve done everything right — I’m here to share what I’ve learned so you can make smarter choices for yourself.
If there’s one thing I believe above all else, it’s that you don’t need to be wealthy to be financially confident. You just need the right information — and a little encouragement to get started.
Thanks for stopping by. I’m glad you’re here.
Feel free to browse the blog, sign up for updates, or get in touch if there’s a topic you’d like me to cover. Let’s take the stress out of money — one post at a time.
— Thomas