Mark Holmes

Tilly is an AI money coach for the UK. Ask her anything — "can I afford this?", "why did I overspend?", "where can I cut £50?" — and she answers from your real budget, bills and days to payday, in plain English. Budgets reset on your payday, not the 1st. Couples mode syncs two phones via Apple's encrypted iCloud, with no bank logins. Built solo. Free to try; Pro from £2.99/mo.

FlipMate is a free web app for UK resellers on eBay, Depop and Etsy. Track what you buy, what you sell, and get a full HMRC tax summary automatically — including fees, postage, mileage and profit per item. Since 2024 marketplaces report your sales to HMRC. FlipMate keeps you ready. ✅ Free up to 25 items ✅ CSV import from eBay, Etsy & Depop ✅ UK tax-year summary ✅ Mileage tracker ✅ Pro: £8.99/month