Loan Settlement Figures: What They Mean and When to Ask
A clear guide to early loan settlement figures: what a settlement figure is, how it is calculated, the interest rebate you may be due, and…
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.
When Your Circumstances Change: Talking to Your Lender
Job loss, illness or bereavement can make repayments hard to keep up. This guide explains why telling your lender early matters, what…
Rachel Stone
Building Financial Resilience: A Practical Guide
Financial resilience is your ability to cope with money shocks. This practical UK guide covers building a buffer, the right insurance…
Rachel Stone
Overpaying Your Loan: How Paying Extra Saves You Money
Paying more than your contractual loan repayment can cut the interest you pay and clear the debt sooner. This guide explains how…
Rachel Stone
What Is a Credit Union?
A credit union is a member-owned financial co-operative. This guide explains how UK credit unions work, how membership and the common bond…
Rachel Stone
How to Avoid Common Bank Fees
A practical guide to the most common UK bank fees, from overdraft charges to overseas spending and packaged accounts, and the simple steps…
Rachel Stone
How to Save for a House Deposit
A practical UK guide to saving for a house deposit: setting a realistic target, using a Lifetime ISA, building a timeline, and the everyday…
Rachel Stone
UK Pensions Explained: Workplace, State and Personal
A plain-English guide to the three main UK pensions: the State Pension, workplace pensions with auto-enrolment, and personal pensions, plus…
Rachel Stone
ISAs Explained: Cash, Stocks and Shares and More
An ISA is a tax-free wrapper for your savings or investments. This plain-English guide covers the main ISA types, the annual allowance, and…
Rachel Stone