Are you one of those people who hate hearing about the stock market, thinking about budgeting, managing your money? This book is for you.

It sets out a very simple way of investing your money that will save you time and effort while letting your money work over the long term to earn a return.

Yes, there are a few financial terms to learn - but not many. More important is learning about how to protect yourself from downturns, how to automate your investments as much as possible, and how to avoid snake oil salesmen and common traps.

We take you through thinking about what financial resources you'll need for your life, and working out how much risk you're prepared to take - or not - in order to achieve it. We also explain how to evaluate the risk of the stock market, which really isn't as high as many people think.

By the end of the book, you will not be an expert on finance. But you will know enough to invest your funds wisely, without hassle, without paying a financial adviser a huge whack of your money - and you'll be able to sleep easy at nights, too.