The desk
Written in Henleaze, for households who are tired of noise.
Cindyvivo is an independent editorial desk. We publish one subject carefully: how a UK household keeps a cash buffer that it can actually use.
Cindyvivo publishes general information for UK readers. It is not personal financial advice, a recommendation of any account, or an instruction to save or spend a particular sum. We are not authorised by the Financial Conduct Authority. Check current rules on GOV.UK and the Financial Services Compensation Scheme before you move money.
Why this, and not another product round-up
Most money pages are a race to name an account. The rate is stale before the ink dries, the bonus has a trap, and the reader still does not know whether three months means three months of pay or three months of soup. We got tired of that race. The address on these pages — 29 Wanscow Walk, Henleaze, Bristol BS9 4LE — is a real desk, not a registered-office postcard we have never visited. The work is reading, editing and answering letters.
We do not arrange savings accounts, investments, mortgages or credit. We are not authorised by the Financial Conduct Authority and we do not carry on regulated activity. Nothing on the site is a personal recommendation. If you want someone to tell you what to buy, you want an authorised adviser, or you want the free, impartial guidance published by MoneyHelper.
How a page gets written
A guide starts from a question a household actually asks. We check the public rules we cite — FSCS limits, the shape of the Personal Savings Allowance, the existence of a government scheme — against the organisation that owns the rule. We mark figures that are illustrations. We take out any sentence that depends on a rate we saw last Tuesday. A second read asks whether a tired person on a Sunday night could follow the steps without buying anything from us. They cannot buy anything from us. That is the test.
We correct errors. If a limit, an address or a scheme rule has moved and we have not caught it, write to [email protected] with the page name and the source. We would rather amend a paragraph than defend it.
What we will not publish
- Affiliate tables dressed up as research.
- Fear about markets as a way to sell a course.
- “Hacks” that hide money from means tests or from HMRC.
- Case studies presented as real clients. The household notes are composites and they are labelled as such.
- Advice to borrow in order to build a savings balance. That is not a buffer. That is a loop.