Hi, I’m Kalpana 👋
Learn how to save more, earn more and take control of your money in the UK.
I’m a UK mum, PhD scientist and author. I arrived in the UK in 2008 with £1,000 during the financial crisis. On one salary we saved £36,000 in three years and bought our first home. Here I share the practical steps that worked for us.
I’m not a financial adviser. I share what worked for my family, plus general information to help you make your own decisions. Read my disclaimer.
Christmas on a budget 2026
Delivery slot dates for every supermarket, the best food deals, gift ideas by age and my simple Christmas money plan.
Plan my Christmas →Black Friday 2026
Real deals, not fake ones. Key dates, what’s worth buying and my 6-step plan to stay on budget.
See my Black Friday plan →Where are you right now?
I need extra money
All make money guides →My bills are too high
All save money guides →I want to grow my money
All budgeting guides →Cheap holidays for UK families
My travel guides: booking flights in the school holidays, dodging airline extras and spending less once you land.
Book it cheaper
Avoid hidden fees
Worried about debt? Start here
If you can’t pay everything, start with which bills to pay first. Then make a repayment plan. If you can’t cover essentials or minimum payments, get free, confidential debt advice.
Get back in control
Credit score and payoff
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Get the free Financial Reset Kit
Printable budget planner, spending tracker and a step-by-step plan to get back in control of your money.
Send me the free kitFresh on the blog
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New here? Start here →
Meet Kalpana
I’m a PhD scientist, former science teacher and UK mum. When we arrived in 2008 with £1,000, we lived on one salary at a time, saved a 20% deposit in three years and bought our first home in 2011. MoneySavvyUK is where I share the habits and step-by-step guides that helped us, so you can find what works for your family too.