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Rachel Wait

Author

Rachel 2024

Rachel Wait

Contributing writer

About the Author

Rachel Wait is a regular contributing writer at Money.co.uk. She uses her personal finance expertise to help our readers understand their financial needs and options.

Rachel has spent the majority of her career writing about personal finance for leading price comparison sites and the national press, beginning as a reporter for Shares Magazine in 2007, although she started out writing business newsletters before that, in 2004.

She was Editor and then Managing Editor at Moneysupermarket for over eight years and since 2020, has written extensively on credit cards, pensions, insurance and mortgages for the Mail on Sunday, The Observer, The Spectator, the Evening Standard, Forbes UK, The Sun, as well as other publications.

Expertise

Insurance
Credit cards
Pensions
Mortgages

Education

BA (Hons) English, University of Exeter

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How to register for VAT: a step-by-step guide for small businesses

Follow our easy-to-follow guide to registering for VAT.

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What is VAT and how it works: A clear guide for business owners

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Understand when you need to register for VAT as a business and the consequences if you don’t.

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Pros and cons of being VAT registered: key factors to consider

If you’re considering registering for VAT, be sure to weigh up the pros and cons first.

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The 4 main types of UK business structures explained

Starting your own business but not sure which type of business structure to use? Our guide explains all you need to know.

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How to register as self-employed in the UK: A complete guide

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Make sure you understand the rules and regulations that apply when setting up as a sole trader.

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Qualifying for a startup business loan when you have bad credit is hard - but not impossible.

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Understand the various types of business insurance and determine the cover your company needs to stay protected.

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What is public liability insurance and what does it cover?

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Small business owner working with a laptop computer behind the counter of a cafe.

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How To Save As a Business

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Your Guide to Business Bank Account Monthly Fees

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Should You Pay in Local Currency?

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ISAs are a tax-efficient way to save, but it’s important to understand how ISA allowances work.

Find out how are investments taxed

Are Premium Bonds a Safe Investment or a Waste of Time?

We explore whether investing in Premium Bonds is worth it or whether you’re better off looking elsewhere.

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How to Apply for a Loan

Follow this comprehensive step-by-step guide to boost your chances of being approved for a loan.

Read more about how to apply for a loan

How to Claim on Your Business Insurance

Follow our step-by-step guide to making a successful business insurance claim.

What you need to make a claim

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What is an Investment Trust?

Find out how investment trusts work, the benefits of using one, and what to watch out for. v

Find out more about investment trusts

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Learn more about the types of tax you might need to pay on your investments.

Find out how are investments taxed

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Full guide to making an invoice

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How to get fee-free balance transfers

Fee-free balance transfer credit cards let you move existing card debt to a new credit card without paying a fee. Find out whether this type of plastic could work for you.

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How to cancel a credit card

There are a number of reasons you might want to cancel a credit card. Find out how to go about closing your account and what to watch out for.