Most of the delay in starting is not knowing enough to feel safe. This front-loads a bounded amount of learning, then opens the account and sets up a monthly contribution, because the account nobody opens is the most common outcome.
Free on any plan. You will see this list again in the app, and nothing is created until you press install.
The account open and the contribution running, which is the part that never happens.
Bounded, because open-ended research is why the account stays unopened.
The unglamorous part that actually changes anything.
This is a plan for doing the learning and the admin. Anything about what to buy, or about your own circumstances, is a conversation for a regulated adviser.\n\nAutomate the contribution. Deciding monthly means deciding badly — usually less after a fall, which is exactly backwards.
Know what comes in and out, clear what is expensive, and save one specific thing.
One month's costs first, then three — with the transfer automated so it is not a decision.
Find every pension you have, work out what it adds up to, and change one contribution.
Every balance written down once, an order to clear them in, and a payment that does not move.
It takes one press. Everything it creates is tagged, so if it turns out not to suit you, it is easy to find and remove together.
Install this template