Money, thought through slowly.
Practical personal-finance guides, written the way the rest of Slow Money is: calm, honest, and free of hype and shame. No get-rich-quick, no hustle, no jargon for its own sake — just clear help for the money situations real people actually face, and permission to move at a sensible pace.
Everything here is written by Mel G. Prosper. It's educational — general information to help you think clearly, not regulated financial advice for your particular circumstances.
How it's organised
How the Journal is organised.
Guides are grouped by the situation you're in, so you can go straight to what's relevant:
Clearing debt
How to face what you owe without panic, choose an order that protects you first, and keep going — including the thinking behind the Snowball Plus™ method.
Money later in life
Catching up, planning for retirement, and making calm decisions when the timeline feels shorter than you'd like.
Sinking funds & saving
Setting money aside for the bills that always seem to "surprise" you, so they stop knocking your plan off course.
Budgeting that sticks
Frames for your month that survive contact with real life — the kind you keep, rather than abandon by the second week.
New here?
Start with the free Starter Stack.
If the guides have you ready to actually begin, the free Slow Money Starter Stack™ walks you through the first calm steps of getting your money in order. No cost — just an email so we can send it.
The Journal is educational and reflective — general information, not regulated financial advice or a recommendation for your circumstances. If you're in financial difficulty, free and confidential debt advice will help you more than any article: StepChange, National Debtline or Citizens Advice.
Teaching Kids About Money in the Digital Age (UK & US)
Make invisible money easier to understand. Try practical activities for different ages, a complete spending-and-saving example, and clear questions to ask before choosing a child’s money app.
Kids’ Savings Accounts: How to Choose in the UK & US
A better account starts with the right purpose. Compare access, ownership, interest and protection, then use worked examples to see what a higher rate or a regular saving plan really changes.
The Future of Family Finance: AI, Apps & Money Habits for 2026 and Beyond
A forward-looking guide to family finance in 2026, covering AI tools, modern money apps, and realistic habits that help families build confidence and long-term stability.
Family Financial Resilience: The Foundation of a Secure Home
A grounded guide to building family financial resilience, covering emergency planning, protection basics, and steady money habits that create long-term security at home.
Building Generational Wealth (UK & US, 2026)
Build generational wealth in the UK or US with simple, grounded steps: savings, investing, protection, and family systems that create long-term financial security.
Family Investing 101 (UK & US, 2026): From Pocket Money to Portfolios
Discover why teaching kids to invest from a young age matters. Explore simple, slow-money strategies to raise financially confident children in 2026 — UK & US tools included.
Saving for College in the US: 529 Plans and Other Options
Make a college contribution your family can sustain. Compare account ownership and tax rules, calculate the real funding gap and coordinate 529 withdrawals with aid and education credits.
Saving for University in the UK: Accounts and Student Finance
Start with the student’s support and the family’s affordable contribution. Compare ownership and access, calculate the living-cost gap and plan for bills due before the first loan payment.
Teen Budgeting: A Practical UK & US Money Guide
Give the next four payments a plan. This guide shows how a teen budget handles rising travel costs, savings transfers and a bill before payday, with a dated shortlist of UK and US account options.
Investing for Teens: UK & US Accounts, Risks and Examples
Start with a paper portfolio, not a stock tip. Learn how deposits differ from returns, who controls a teen’s account, and how UK tax relief and US contribution rules work.
Investing for Kids: A UK & US Parent’s Guide
Choose the goal, spending date and legal owner before the platform. A worked family allocation and loss-and-recovery example sit alongside current UK and US account rules, including 2026 changes.