The Maria Alla Method™
The government takes its cut before you see a penny.
Then rent. Then bills. Then food.
What's left? Let's find out.
Check your payslip or contract for your hourly rate
Your working hours
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This changes how much the government takes.
Income Tax + 8% Employee NI. Employer handles it.
Income Tax + 6% Class 4 NI. Self Assessment.
20% deducted at source. You could be owed a refund.
PAYE = 52 (holidays are paid). Self-employed/CIS = typically 46 (no paid holidays).
More mouths = more of your clock eaten up.
Single / Solo parent
Couple (your share)
Adjust to match your reality. £0 anything that doesn't apply.
Tap any segment to see details
Time is the one advantage you have over every billionaire who started late.
Historical stock market avg. Not guaranteed.
The minimum wage clock through the decades.
At each era's minimum wage vs living costs.
"You inherited more than your eye colour. You inherited your family's relationship with money — their fears, their patterns, their survival mode. And it's still running."
The truth about your working day.
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Step 1
Set up an automatic transfer the day you get paid. Just £1. You're rewiring "there's never enough" into "I always pay myself first." Not savings. Identity shift.
Step 2
Write the first 3 things you heard about money growing up. These aren't memories — they're programmes still running in your subconscious.
Step 3
For 48 hours, log every purchase AND how you felt spending it. The feelings reveal exactly where your money blocks are.
Detailed exercises, action steps, and the psychology behind each one — free.
This isn't a motivation problem. It's a pattern problem. And patterns can be broken.
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UK tax rates 2025/26. PAYE 1257L. Employee NI 8%, SE Class 4 NI 6%, Employer NI 15% above £5k. CIS 20%. Holiday weeks adjusted by employment type. Compound interest 7% avg. UK averages outside London. Not financial advice. © The Maria Alla Method™