Finance Articles & Guides
23 articles in Finance
Finance articles
NHS Pension Schemes: 1995, 2008 and 2015 Explained
The difference between the 1995, 2008, and 2015 NHS pension sections, how final salary compares to career average, and what the McCloud remedy means for you.
How to Claim Your NHS Pension
How to claim your NHS pension step by step: when to apply, the AW8 retirement form, what you need, how long it takes, and how payment and tax work.
The NHS Pension Lump Sum Explained
How the NHS pension lump sum works: the automatic 1995 section lump sum, commuting pension at £12 for every £1 given up, the tax-free limit, and whether to take it.
Taking Your NHS Pension
When and how to take your NHS pension: your normal pension age, taking it early or late, partial retirement, the tax-free lump sum, ill-health retirement, and survivor benefits.
NHS Pension Contributions Explained
How much you pay into the NHS pension in 2025/26: the contribution tiers, why part-time pay matters, tax relief, what your employer adds, and what your pension buys.
Car Finance Claims: What You Need to Know
Car finance commission claims explained: what the FCA review covers, who may be affected, how to complain for free, and why you should not pay a claims firm.
The NHS Pension Scheme Explained
How the NHS Pension Scheme works in 2026: the 2015 CARE scheme, contribution tiers, what your employer pays, retirement age, lump sums, and the annual allowance.
Agenda for Change: NHS Pay Bands Explained
Agenda for Change explained: the nine NHS pay bands, how pay progression works, High Cost Area Supplements, unsocial hours pay, hours, and annual leave.
Household Budget UK: The 50/30/20 Method
How to build a household budget in the UK: work out take-home pay, list costs, use the 50/30/20 method, build an emergency fund, and review monthly.
Car Finance Explained: PCP vs HP 2026
PCP versus HP car finance explained for UK buyers: how each works, balloon payments, mileage limits, ownership, and how to compare the total cost.
Personal Loans UK: How They Work in 2026
How personal loans work in the UK: secured and unsecured borrowing, representative APR, eligibility, credit checks, early repayment, and alternatives compared.
Cash ISA vs Stocks and Shares ISA: Which Suits You in 2026/27?
Cash ISA or Stocks and Shares ISA. Compare risk, returns, access, and who each suits in 2026/27, and how to split your £20,000 allowance between them.
ISA Guide UK 2026/27: Allowance, Types and Rules Explained
Your ISA allowance is £20,000 for 2026/27. Compare the four ISA types, the rules on paying into more than one, transfers, and the Lifetime ISA bonus.
Tax Free Pension Lump Sum UK 2026/27: Rules, Allowance and Age Limits
You can usually take 25% of your pension tax free, capped by the lump sum allowance of £268,275. See how the tax free cash rules work in 2026/27.
Pension Tax Relief UK 2026/27: How It Works and How Much You Can Save
How pension tax relief works in 2026/27: the £60,000 annual allowance, claiming higher rate relief, the taper for high earners, and carry forward explained.
State Pension UK 2026/27: How Much You Get and When You Can Claim
The full new State Pension is £241.30 a week (£12,547.60 a year) for 2026/27. See the amount, State Pension age, and how many qualifying years you need.
Student Loan Repayment in the UK: Plans 1, 2, 4 and 5 Fully Explained (2026/27)
UK student loan repayment 2026/27 for Plans 1, 2, 4, 5 and Postgrad. Income thresholds, 9% rates, write-off periods and Plan 2 facts graduates miss.
How to Build an Emergency Fund in the UK: How Much, Where to Keep It, and When to Use It
An emergency fund of 3 to 6 months of expenses protects you from financial shocks. This UK guide covers the target amount, best savings accounts in 2026/27, and common mistakes to avoid.
Credit Card Minimum Payments: The True Cost
Paying only the minimum on a £2,000 balance at 26% takes over 25 years and costs around £3,670 in interest. Why minimum payments are a trap and what to do instead.
UK Inflation: How Rising Prices Are Eroding Your Savings
With inflation around 3 percent in 2026, see how to calculate real returns on cash savings, which accounts beat inflation, and when investing makes more sense.
UK Net Worth by Age 2026: Are You on Track?
ONS data on UK median net worth by age group, salary-based milestones, the homeowner wealth gap, and the highest-impact actions to build wealth at every life stage.
Compound Interest Explained: How Your Money Grows Without You Doing Anything
Compound interest earns interest on interest. £10,000 at 5% becomes £43,219 after 30 years. Full guide with growth tables, the Rule of 72, monthly contributions and tax-free ISAs.
Compound Interest: How to Build Long-Term Wealth in the UK
How compound interest works, the Rule of 72, why starting early matters so much, and how ISAs supercharge tax-free compounding over the long term.