Move £3,200 into a cash ISA
Know your next money move. And why it’s yours.
A house deposit. A pension you keep meaning to look at. A someday sabbatical. You’ve got the goals. What’s missing is a plan that fits how you actually think and act.
We build that plan around you, then hand you one Money Move at a time, never the whole list at once, and keep you on track week to week.
Free. No bank login. Guidance, not regulated financial advice.
Personal finance isn’t personal.
You’ve watched the videos and read the threads. You know what you should do. So why is so much of it still undone?
It isn’t because you’re bad with money. The gap between knowing and doing is a design problem, not a discipline one. Most of what you read about money is written for the average person, and you aren’t one.
We start with you: how you think, decide and follow through. The plan comes after.
Current account · this week3 need attention
- Northside CoffeeCard · Tue−£3.40
- StreamBoxDirect Debit · monthly−£10.99
- SalaryBank transfer · Mon+£2,450.00
- FitLab GymDirect Debit · monthly−£34.99
- CloudVaultDirect Debit · monthly−£2.99
Employer workplace pensionChosen for you
To do2 left
- Renew passport
- Book dentist
-
Financial review: pension, savings, subscriptions
10 Jan7 Feb14 MarPostponed 3 times - Birthday card for Mum
Meet your Money Self.
Before we tell you what to do with your money, we get to know who you are with it. What you protect, what you avoid, how you decide when it matters.
You won’t get a score or a type. You’ll get a reflection of how you handle money, in plain words and without judgement.
Everything else we do is built on it.
Your relationship with money
Money takes up more of your head than your bank balance would suggest. When decisions pile up, your instinct is to step back rather than get it wrong.
What throws you off track
Not big decisions. Busy weeks. You stop checking, and getting back on track starts to feel bigger than it is.
What this means for your Money Moves
Small steps, never the whole list. The reasoning shown, not just the answer. A reminder on your day, so a busy week doesn’t undo them.
What you’re good at
You do your homework. You’d rather understand the reasoning than be handed an answer, and once something makes sense to you, you stick with it.
Then we put your goals in order.
Five goals and one salary is a sequencing problem, not a willpower problem. Your plan shows what gets funded first, what waits, and why.
For every goal you see what it needs each month, what you’re putting in now, and when you’ll get there at this pace. Fall behind and it tells you calmly, because a shortfall is information, not an emergency.
Tuesday 29 September
Your plan
To allocate this month£840
Goals on track2 of 4
House deposit byMar 2029
Every goal, one sequence
Emergency buffer On track£5,100 of £6,000
House deposit Leads the plan£24,600 of £40,000
Pension top-up Needs attention4% plan wants 7%
Car fund Waiting its turn£1,200 of £6,000
Where this month’s £840 goes
Buffer £160House £420Pension £140Flexible £120
House deposit forecast
At your current pace
The house needs £390 a month to land by Mar 2029. You’re putting in £420.
At this pace: Feb 2029, a month early
Your plan · 1 of 3
Every goal, one sequence
Emergency buffer On track£5,100 of £6,000
House deposit Leads the plan£24,600 of £40,000
Pension top-up Needs attention4% plan wants 7%
Car fund Waiting its turn£1,200 of £6,000
Your plan · 2 of 3
Where this month’s £840 goes
- Emergency buffer£160
- House deposit£420
- Pension top-up£140
- Flexible£120
The house leads, so it gets the biggest share. Nothing is hidden.
Your plan · 3 of 3
House deposit, at your current pace
Needs £390 a month for Mar 2029You’re putting in £420At this pace: Feb 2029, a month early
Money Moves.
Your plan, broken down into small steps you can actually do.
Every week you get the few that matter most, in the order they matter, with a reminder on the day you pick.
What actually works with money usually comes from someone who’s been where you are. It makes sense straight away, because it already sounds like you.
Each Move works the same way. It knows how you handle money, what’s going on in your life right now and what you’re working towards. Not the textbook version, or what social media tells everyone to do. Yours.
This week
Your Money Moves
One leads. The rest wait their turn.
Money Move · up next
Move the £3,200 of idle cash into a cash ISA
⌛ about 10 min↑ tax-free interest
Why this fits youSurprise bills are the thing you told us knock you sideways. This keeps the money just as reachable, and it earns properly.
Your buffer comes before your deposit. Idle cash is the quickest win towards it, and it asks nothing of your monthly budget.
- Queued 2ndOpen a Lifetime ISA, £150 a monthYour house deposit leads the plan
- Queued 3rdRaise pension to 5%Captures the full employer match
- Done ✓Payday-plus-one standing orderBuffer three weeks ahead of plan
Every week, it knows you a little better.
Most plans get written once and forgotten. Yours keeps up with you.
What you actually do tells us more about you than any questionnaire. Every Move you finish shapes the next one, and you can watch the progress build as you go.
Cycle one · Your reflection
“You spend more when you’re stressed.”
Money MoveSet a Friday spending cap · 2 min
Cycle two
“Stress shows up in your spending less often now.”
✓ Basket cleared£145 kept · Friday cap holding
Cycle three
“Stress doesn’t reach your money anymore. The buffer took that job.”
✓ Paid from buffer£340 boiler repair · plan unchanged
And the cycle continues…
House depositFunded ✓
100%
£40,000 of £40,000 · target reached
Other apps start with your spending. We start with you.
Nobody else starts from who you are and works outward. That means fewer money decisions you have to make on your own.
The Long Term
Most financial apps
General AI chatbots
Starting point
Who you are with money
What you spent
Your latest question
Effort
It asks you, then works out what comes first
You set the budgets and rules
You have to know what to ask, and how
Context
Who you are, your goals and your progress, in one plan
Your transactions
What you remember to tell it
The why
Every Move comes with the reason it fits you
Charts of what already happened
Answers you have to check yourself
Follow-through
One Money Move at a time, re-sequenced as life changes
Nudges to keep you in the app
Stops when the chat does
The Long Term
- Starting pointWho you are with money
- EffortIt asks you, then works out what comes first
- ContextWho you are, your goals and your progress, in one plan
- The whyEvery Move comes with the reason it fits you
- Follow-throughOne Money Move at a time, re-sequenced as life changes
Most financial apps
- Starting pointWhat you spent
- EffortYou set the budgets and rules
- ContextYour transactions
- The whyCharts of what already happened
- Follow-throughNudges to keep you in the app
General AI chatbots
- Starting pointYour latest question
- EffortYou have to know what to ask, and how
- ContextWhat you remember to tell it
- The whyAnswers you have to check yourself
- Follow-throughStops when the chat does
Different lives. Same loop.
“I used to open my banking app, stare at it, and close it again. The Long Term didn’t give me more numbers. It told me why I was staring. Eight months in, the deposit has a date on it.”
Maya, 33 · Product manager, London · 8 months in
“I’m early in this. No investments, no property, honestly not much buffer. What changed is that I stopped feeling like I was failing a test everyone else had revised for. I know my next move. That’s new.”
Dan, 27 · Teacher, Manchester · 3 months in, still a work in progress
“The wedding fund kept eating everything else. The trade-off screen showed me what that was actually costing the house, in months, not lectures. We moved £120 and both goals still happen.”
Priya, 31 · NHS pharmacist, Birmingham · 11 months in
“I’d read the books. I could tell you what an index fund was. What I couldn’t tell you was what I should do first. Me, specifically, this year. That’s the question it answers.”
Sam, 38 · Engineering lead, Bristol · 1 year in
“I used to pay myself whatever was left at month-end, which was usually nothing. The Long Term worked out a wage I could actually take, so now I pay myself first and the studio second. Both are steadier for it.”
Nadia, 34 · Ceramicist, self-employed, Sheffield · 7 months in
Illustrative stories and portraits, not real members.
Start with one Money Move. Today.
Tell us how you handle money and what you’re working towards. We’ll show you the one thing worth doing this week, and why it’s yours.
Get my first Money MoveFree. No bank login.