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Best credit cards for bad credit

If you have a bad credit history – or none at all – you may be turned down for the best credit card deals. One way to repair damaged credit and boost your credit score is to use a credit-builder credit card. What are credit cards with bad credit? People who are unable to receive […]

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Married couple’s allowance

It’s possible that you could be eligible for a married couple’s allowance if one of you was born before the 6th of April 1935 and you’re married or in a civil partnership (MCA). Discover the inner workings of MCA right here. What is the budget for the married pair to work with? The married couple’s […]

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Can I top up my state pension?

If you have holes in your work history, purchasing voluntary National Insurance payments of Class 3 can assist you to make up for those holes in your state pension. Find out how much the cost of the voluntary contribution, as well as the steps you need to take to purchase them. Why would it be […]

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What is the state pension?

Find out what the state pension is, how you can qualify for it, and listen to the experiences that actual individuals have had when applying for the state pension. Can you explain what the state pension is? When you reach the age at which you are eligible to receive a state pension, the government will […]

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What can I do with my pension pot?

The criteria for cashing in your pension were significantly altered when pension freedoms were introduced in 2015. Gain an understanding of the benefits and drawbacks associated with the most common pension choices. What kinds of pensions are available to me? In the following table, we compare the various ways in which a defined contribution pension […]

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Children and income tax

Our guide to tax when you’re gifting money to children. We explain the guidelines and how parents might avoid falling foul of the ‘£100 rule’. Do children pay income tax on their savings? Technically, yes – children are obligated to pay tax on savings, as they have the same income tax allowance as adults. It’s uncommon, though, as children […]

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What is National Savings & Investments?

Find out more about NS&I, including what it is, the types of savings bonds, certificates, and Isas it offers, as well as how your money is secured. What exactly is the National Savings and Investments Association? NS&I, which stands for National Savings and Investments, is a government department as well as an executive agency under […]

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Premium bonds

Premium bonds are still the nation’s preference, but are they worth it? We balance up the advantages and downsides of this popular tax-free NS&I savings plan. What are premium bonds? Premium bonds are a savings product from National Savings & Investments (NS&I) which offer the potential of winning between £25 and £1m each month instead of paying interest. […]

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Credit unions explained

Everything you need to know about credit union loans and savings accounts, including where to join a credit union and the interest rates you can anticipate receiving on loans and accounts. What exactly is a credit union, though? Credit unions are organisations in the financial sector that operate on a not-for-profit basis and are generally […]

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Cash Isa rules and allowances

How to invest your Isa allowance in accordance with the most recent laws, as well as answers to your most frequently asked Isa questions from the experts at Which? Money. What will the ISA contribution limit be in the 2022-23 tax year? Everyone has an Isa allowance of £20,000 for the tax year 2022-2023, and […]

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