APR vs AER Explained
APR measures the cost of borrowing; AER measures the return on savings. This UK guide explains what each rate means, how compounding…
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.
What Is Chargeback?
Chargeback lets you ask your bank to reverse a card payment when something goes wrong. This UK guide explains how it works on debit and…
Rachel Stone
What Is Section 75 Protection?
Section 75 makes your credit card provider jointly liable when a purchase goes wrong. This UK guide explains what it covers, the price…
Rachel Stone
What Is the UK Tax Year?
The UK tax year runs from 6 April to 5 April, not from January. This guide explains why it falls on those odd dates, the key deadlines that…
Rachel Stone
What Is Emergency Tax? And How to Get It Back
Emergency tax is a temporary tax code HMRC applies when it does not yet have full details about your income. This UK guide explains why it…
Rachel Stone
What Is a P11D?
A P11D is the form employers use to report taxable benefits in kind, such as a company car or private medical insurance. This UK guide…
Rachel Stone
What Is a P45?
A P45 is the form you get when you leave a job, showing your pay and tax so far this year. This UK guide explains what it contains, why it…
Rachel Stone
What Is Stamp Duty? SDLT Explained
Stamp Duty Land Tax (SDLT) is a tax you may pay when buying property or land in England and Northern Ireland. This UK guide explains the…
Rachel Stone
Dividend Tax Explained
Dividend tax is the Income Tax you pay on dividends from shares and company profits above a tax-free allowance. This UK guide explains the…
Rachel Stone