Self Assessment Tax Returns: A Beginner's Guide
Self Assessment is how HMRC collects Income Tax from people whose tax is not taken automatically. This UK guide explains who must file, the…
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.
How to Build an Emergency Fund When Money Is Tight
The FCA's 2024 Financial Lives survey found millions of UK adults have less than £100 in savings. Here is how to build a buffer from zero…
Rachel Stone
Understanding UK Tax Codes
Your tax code tells your employer or pension provider how much tax-free income you get before Income Tax is deducted. This UK guide…
Rachel Stone
Credit Builder Cards Explained: How They Help Your Score
A credit-builder card is designed to help people with little or poor credit history build a track record. This UK guide explains how they…
Rachel Stone
Savings Accounts Explained: Easy Access, Fixed and More
From easy-access to fixed-rate bonds and regular savers, UK savings accounts come in several types that suit different goals. This guide…
Rachel Stone
Your Rights If Bailiffs Come Calling
Bailiffs, or enforcement agents, have legal powers to collect certain debts, but those powers have firm limits. This UK guide explains the…
Rachel Stone
Debt Solutions Compared: DMP, IVA, DRO and Bankruptcy
When debts become unmanageable, several formal solutions can help — but each suits different situations. This UK guide compares debt…
Rachel Stone
Salary Sacrifice Explained
A plain-English guide to salary sacrifice in the UK — how giving up part of your salary for a benefit like pension contributions can save…
Rachel Stone
Payday Loans: The Risks and Better Alternatives
Payday loans offer fast cash but at a very high cost. This UK guide explains how they work, the FCA price cap that limits what they can…
Rachel Stone