Subscription creep: why you pay for things you forgot
Why subscriptions pile up unnoticed, the trick of multiplying by twelve, a fifteen-minute audit method, and cancel versus negotiate.
Avalanche vs snowball: which debt do I pay off first?
Avalanche saves the most interest, snowball keeps you motivated. A worked example with real figures shows when each method wins.
Does the 50/30/20 rule work in the UK?
What the 50/30/20 budget rule means in pounds, where it breaks (London rent, low incomes), and how to adapt the split honestly.
What happens if you only pay the minimum on your credit card?
Decades of payments and thousands in interest, by design. Why minimums shrink, and the one change that saves years.
Should I still claim child benefit if I earn over £60k?
Almost always yes. How the charge tapers to £80k, why claiming protects your state pension, and the pension trick that keeps it.
PCP or HP: which is better for car finance?
PCP is cheaper monthly, HP ends with you owning the car. Which wins depends on what you do at the end; here is the honest comparison.
Does Klarna affect your credit score?
Buy-now-pay-later now reports to credit agencies. What lenders see, what hurts, and how BNPL reads on a mortgage application.
Is 30 hours free childcare actually free?
Term-time only, top-up fees, and the £100k cliff. What the funded hours really cover and how to work out your true bill.
How can I improve my credit score in the UK?
The moves that actually shift a UK credit score: register to vote, pay on time, keep utilisation under 30%, space out applications, and fix errors, plus how long it takes.
How does a UK credit score actually work?
There is no single UK credit score. Three agencies hold different files, every lender scores you their own way, and the number you see is not the one they use.
Am I eligible for Universal Credit and how much will I get?
How Universal Credit is worked out in 2026/27: the standard allowance, the child, childcare and housing elements, the 55% earnings taper, and the £16,000 savings limit.
What benefits am I missing? Pension Credit, Council Tax Reduction and more
Billions in UK benefits go unclaimed each year. Pension Credit, Council Tax Reduction, PIP, Attendance Allowance, Carer's Allowance and Healthy Start, and how to check.
Is a debt consolidation loan a good idea?
When a debt consolidation loan actually saves money and when it just hides the problem. The APR maths, the secured-loan trap, and when free debt advice beats a loan.
Struggling to pay council tax? Reductions and arrears help
How to cut a UK council tax bill with the single-person discount, Council Tax Reduction and disregards, plus what happens with arrears and how to get help fast.
DMP, IVA, bankruptcy or DRO: which UK debt solution is right?
DMP, IVA, DRO and bankruptcy compared for UK debts: how each works, what it costs, which ones bind your creditors, and where to get free debt advice first.
How do 0% balance transfer credit cards work?
How 0% balance transfer cards work: moving existing card debt to a new card, the 1-4% transfer fee, clearing it inside the promo window, and using one well.
What is a CCJ and how do I get it removed?
What a CCJ is, how it reaches your credit file for six years, how to remove it by paying within one month, and how to set aside a wrongly issued judgment.
How much does an overdraft really cost?
What an overdraft really costs at a typical 39.9% EAR, how that compares to cards and loans, arranged versus unarranged, and how to clear a stuck overdraft.
What cost-of-living grants and hardship help can I get in 2026?
Cost-of-living help in 2026/27: the new Crisis and Resilience Fund, charitable grants, energy and water hardship schemes, and interest-free budgeting advances.