Smart money answers, in plain English
Honest, up-to-date tips to help you save more, pay less tax, boost your pension and take control of your money — written for UK households and kept current for the 2026/27 tax year.
Rules, rates & allowances for the UK only.
Figures reviewed for the 2026/27 tax year.
No jargon, no sales pitch — just clear steps.
Information, not regulated financial advice.
Everything you need to manage your money well
Eight practical guides covering the questions UK savers search for most — each packed with clear, up-to-date tips.
Budgeting
Take control of your spending with simple, proven budgeting methods.
Saving & ISAs
Earn more interest, use your tax-free allowances and build a safety net.
Tax & Allowances
Keep more of what you earn using every legal allowance and relief.
Pensions
Free employer money, tax relief and a bigger, better retirement.
Debt & Credit
Clear expensive debt faster and boost your credit score for free.
Mortgages & Property
Get on the ladder, secure a better rate and pay less interest.
Bills & Energy
Slash household bills — energy, broadband, insurance and council tax.
Investing
Grow your money over the long term without taking silly risks.
7 money quick wins you can do this month
Small, high-impact moves that put real money back in your pocket — most take under 30 minutes.
Switch your savings
Money in an old high-street account may earn almost nothing. Move it to a top easy-access or fixed-rate account and use your £20,000 ISA allowance. Saving guide →
Claim Marriage Allowance
If one partner earns under £12,570, you can transfer £1,260 of allowance and save up to £252 a year — backdatable up to four years. Tax guide →
Grab your employer pension match
Not paying in enough to get your employer's full match is turning down free money. Check your workplace pension. Pensions guide →
Check your credit report
Check it free, fix errors and get on the electoral roll — a better score means cheaper borrowing. Credit guide →
Cancel "zombie" subscriptions
Scan your bank statement for forgotten memberships and free trials that quietly renewed. Budgeting guide →
Review your energy & insurance
Never auto-renew. Compare energy, broadband and insurance — loyalty usually costs you more. Bills guide →
Check your tax code
A wrong code can mean you're overpaying tax all year. Most people should be on 1257L for 2026/27. Tax guide →
Key UK money figures for 2026/27
A quick reference to the allowances and thresholds that affect almost every UK household. We keep these updated each tax year.
The UK tax year runs from 6 April 2026 to 5 April 2027. Figures apply to England, Wales and Northern Ireland; Scotland sets its own income tax bands.
See all guides- Personal Allowance (tax-free income)£12,570
- Higher-rate tax starts at£50,270
- ISA allowance£20,000
- Lifetime ISA bonus25% (up to £1,000)
- Full new State Pension£241.30 / week
- Personal Savings Allowance (basic rate)£1,000
- National Living Wage (21+)£12.71 / hour
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