ISA Guide 2025: Which Type Is Right for You?
The £20,000 ISA allowance stays frozen for 2025-26, and rule changes now let you pay into multiple ISAs of the same type in one tax year…
Rachel Stone
Rachel Stone
Personal Finance Editor
Rachel Stone writes about borrowing, budgeting, credit and consumer rights, with a focus on clear, practical guidance and pointing readers to trustworthy help.
Mortgages Explained: How Home Loans Work
A mortgage is a loan secured against a property, repaid over many years. This UK guide explains loan-to-value, terms, affordability checks…
Rachel Stone
How to Teach Kids About Money
Teaching kids about money means building everyday habits around earning, saving, spending and giving. This UK guide offers age-by-age…
Rachel Stone
Inheritance Tax Basics
Inheritance Tax may be charged on the estate of someone who has died, above certain thresholds. This UK guide explains the nil-rate bands…
Rachel Stone
Joint Bank Accounts: How They Work and the Risks
A joint account is a bank account shared by two or more people. This UK guide explains how joint accounts work, the benefits for shared…
Rachel Stone
Capital Gains Tax Explained
Capital Gains Tax is charged on the profit when you sell or dispose of certain assets that have risen in value. This UK guide explains what…
Rachel Stone
Take-Home Pay Explained: Gross vs Net
Take-home pay is the money that actually reaches your bank account after deductions. This UK guide explains the difference between gross…
Rachel Stone
National Insurance Explained
National Insurance is a contribution that builds your entitlement to the State Pension and certain benefits. This UK guide explains the…
Rachel Stone
How to Negotiate a Pay Rise
Negotiating a pay rise means making a structured, evidence-based case for higher pay. This UK guide explains how to research your market…
Rachel Stone