Essential Personal Finance

“Progressive employers understand the importance of offering their employees financial wellness benefits and this new book is a great additional resource to help them be better with money.” — Asesh Sarkar, CEO & co-founder of

“A rich source of practical tips, underpinned by academic research, connecting employment, money and happiness. This book will also be a great resource for HR professionals, to help them better understand how to improve their workforce’s financial and mental wellbeing.” — Ruston Smith, Chair of the Workplace Steering Group, delivering MAS’s Financial Capability Strategy for the UK

“This book is essential reading for anyone who wants to feel in control and confident about using money. Through short, easy to read chapters with clear action points, it provides very practical guidance on how to make the most of income from work, and how to protect yourself and your family from financial difficulties.” — Helen White, Ex Head of Financial Capability, Money Advice Service

“A great read that should help anyone increase their personal financial wellbeing.” — Sanjay Sha, Ex CEO – Succession Wealth Management

“Day to day financial worries dog too many people. This unique book will encourage and enable money education at the most obvious location for learning – the workplace. Straightforward case studies and simple check-lists help employees to take full advantage of what is available through their employment. It will also serve as a useful guide for employers to better support their employees’ financial wellbeing.” — Brian Dennehy, Founder,

“A thoughtful, comprehensive guide, packed with essential money tips and strategies.” — Danny Cox, Head of Communications, Hargreaves Lansdown

Jonquil Lowe is Senior Lecturer in Economics and Personal Finance at The Open University, UK, and is also an independent practitioner who has published extensively on all aspects of personal finance. She started her working life in stockbroking but switched to consumer advocacy, becoming Head of Money Research at Which?, before launching her own freelance business.

Jason Butler is a Chartered Fellow of both the Chartered Institute for Securities & Investment and The Personal Finance Society. Following a 25-year career as a personal financial adviser, Jason is now Head of Financial Education at He is also a personal finance columnist for The Financial Times and provides personal finance insights for Sky, BBC and a range of other media.

Lien Luu is a Chartered Fellow of the Personal Finance Society (part of the Chartered Institute of Insurance) and a Registered Life Planner with the Kinder Institute. Following many years as a financial planner, she is now an Associate Head of School at Coventry Business School, UK, where she enjoys lecturing on wealth management and writing books on personal finance.