Sinking Funds: The Simple Trick for Irregular Bills
A sinking fund is money you set aside a little at a time for a known future cost. This guide explains how sinking funds work, how to set…
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 UK Pensions Work: Everything You Need to Know
Pensions are the most tax-efficient way to save for retirement, but many people find them confusing. Here is a plain-English guide to how…
Rachel Stone
What Is an ISA? A Complete Guide to UK Individual Savings Accounts
ISAs are the most tax-efficient savings vehicle for most UK adults. Here is how they work, the different types available and how to choose…
Rachel Stone
A New Year Money Review: A Simple Checklist
The start of a new year is a natural moment to take stock of your finances. This simple checklist walks through budgeting, debts, savings…
Rachel Stone
How to Save Money: A Practical Guide That Actually Works
Saving money is more about systems than willpower. Here is a practical guide to building savings habits that stick — and the psychological…
Rachel Stone
Managing Your Money Over the Holidays
A practical, pressure-free guide to handling money over the Christmas and holiday period: setting a realistic budget, avoiding expensive…
Rachel Stone
First-Time Buyer Guide: What You Need to Know to Buy Your First Home in the UK
Buying your first home is the largest financial commitment most people make. Here is what you need to know about the process, the costs and…
Rachel Stone
Understanding Your Credit Score in the UK: What It Is and How to Improve It
Your credit score affects your ability to get mortgages, credit cards and loans. Here is how the UK credit system works and what you can do…
Rachel Stone
The Complete Guide to UK Pension Planning
The full new State Pension is worth £11,973 a year in 2025-26, and pension tax relief remains one of the most valuable perks in the tax…
Rachel Stone