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Our guides

Our guides show you the best ways to make your money go further and work harder. They contain all the latest financial information and are set out clearly to help you make smart decisions.

young couple with marital difficulties

What does divorce mean for your mortgage?

Getting divorced or splitting up with your partner when you have an outstanding joint mortgage together can be difficult. Here are your options to make it less stressful.

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In debt? What's the worst that can happen?

Being in debt and struggling to pay your bills can be frustrating and stressful, especially if you are feeling pressured into making repayments you cannot afford. But how far can companies actually go to reclaim your money?

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Is it safe to buy from ticket resale sites?

If you are not able to buy tickets direct from the venue, you need to be extremely careful you do not get ripped off. Here is what you need to know.

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Which of your employees qualify for a workplace pension?

Before your staging date you need to work out which of your workers qualify for enrolment in a workplace pension. Here is how to approach each type of worker in your business.

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How to set up your workplace pension

If you do not have a workplace pension in place for your employees by your staging date you could face a hefty fine. Here is how to set up a pension suitable for your entire workforce.

Read more on how to set up your workplace pension
Older lady at kitchen table drinking tea

How to choose an annuity

If you want your pension fund to pay you a regular income when you retire then an annuity could be for you. Here is how each type of annuity works and what options you have.

Find out more on how to choose an annuity
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How to check if a company is legit, UK regulations, and how to avoid risking your money and data

Before you give a new company your business, it’s important to check that they are legitimate and that you aren’t risking your money or your data. Find out how with our guide.

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7 ways to cut the cost of living alone

Without anyone to help pay the bills, the cost of keeping a roof over your head can soon rack up. Here are 7 things you can do to cut the cost of living by yourself

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How to withdraw your pension

Here is how to find out what age you can withdraw from each type of pension and what you need to do to claim them.

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A beginner's guide to self assessment

The deadline for submitting your online self assessment tax return is approaching fast. Here is what you need to know to file your return on time.

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Young man drinking coffee in cafe

What is the best way to invest your money?

Investing will usually earn you better returns than a savings account over the long term, but it’s important to choose the right approach. Here are the different ways you can invest your cash.

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Man at desk looking stressed

Zero hour contracts: The pros and cons

If you have a zero hour contract or are about to start one, you should weigh up the pros and cons and work out if it's worth it. Here's what you need to know.

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How to sell your endowment

You could get a cash lump sum now by selling your endowment policy. Here is how selling to a third party could make you more money than selling it back to your provider.

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Should you sell your endowment?

Selling your endowment policy gets you a lump sum now. You could get more than if you cancel the policy, but less than if you wait until it matures. Here is how to decide what to do.

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Woman on an electric bike in the countryside

What is bicycle insurance?

If you cycle regularly, getting the right insurance is vital to keep you and your bike protected. Here is everything you need to know about bike insurance.

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NHS dentist charges: are you paying too much?

Going to the dentist isn't just painful, it can also be expensive, which makes knowing your NHS treatment options even more important. Here is how much you should be paying for your dentist.

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Can you keep money accidentally paid into your bank account?

We all dream of receiving an unexpected windfall, but what are your rights if you receive an accidental payment into your bank account? We explain all the rules.

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Do you need bicycle insurance?

Bicycle insurance gives you financial protection if your bike is lost, stolen or damaged or you get into an accident, but is it worth the cost? Here is how to work out if you need bicycle insurance.

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Golden metal lock placed on top of a pile of coins.

What are secured and unsecured loans?

Finding the best loan is not just about getting the cheapest rate, you need to pick between a secured and unsecured loan too. Here is how they work and how to choose the right one.

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Paper houses, a magnifying glass and a calculator on a table looking down from above.

What is a homeowner loan?

You could use your property to help you borrow money with a homeowner loan. Here is how they work and what you need to consider before getting one.

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Man investing using mobile phone and large monitor

How to start investing in shares

Has your savings rate got you looking for alternative ways to use your hard-earned money? Whether it's for long term growth or to generate income, investing in shares can be a profitable way to use your savings!

More about how to start investing in shares

How to negotiate house price rises and discounts

Here are 7 simple ways to haggle down the asking price so you can make big savings on your new home - even if you are not a natural at negotiating.

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Can you sell a house without an estate agent?

Hiring an estate agent can be a costly business, but it is possible to sell your house without one. Here are all the things you need to think about when trying to sell house your without an estate agent.

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Girl on smartphone texting

Can you switch mobile contracts mid-term?

Overpaying for a mobile contract can be frustrating; especially if you are tied into a lengthy contract. Our guide explains when and how you can cancel your contract and if it will save you money.

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Emigrating? How to prepare your finances for moving overseas

Starting your new life in some far flung corner of the world is both thrilling and daunting in equal measure. Here's how to prepare your finances for the move, wherever you're emigrating to.

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What do the Child Benefit changes mean for your finances?

Child Benefit rules have changed and you may now need to pay back some or even all of your benefit to the taxman. We examine how the changes affect you and if there is anything you can do to keep your Child Benefit.

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Fertility treatment abroad: can you save money?

The sky-high cost of private IVF treatment in the UK might have left you wondering whether you should get fertility treatment abroad. We look at the cost of treatment globally and whether you could be better off elsewhere.

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7 simple ways to cut the cost of your commute

Commuting to and from work is unavoidable and can be expensive so here are a few ways you could cut the cost of commuting.

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Insurance - what do you need and what can you live without?

We discuss which insurance policies are essential and which ones you can afford to live without.

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Should I use my mortgage to pay off other debts?

Consolidating credit cards and loan debts into your mortgage can seem a no-brainer - after all, given the size of the debt, mortgage payments can seem low. However, it is not necessarily the win-win strategy it seems - we explain.

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Your tax credit renewal questions answered

When the time comes to renew your tax credits, you need to make sure HMRC have their facts straight or you could get caught out. Here is what you need to do and why.

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How to stop spam text messages

Spam texts are not only a minor irritation but also a menace that catches out even the savviest of mobile users. Here is how to stop spam texts dead in their tracks.

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6 ways to protect your holiday if you book without a travel agent

Did you know that the way in which you book your holiday can have a dramatic effect on whether you're protected if something goes wrong? We show you how to make sure you get to go on your holiday one way or another!

How to protect your holiday
Women in food store holding card machine

What are your legal rights to a refund?

Knowing what consumer protection you have can be a big help with getting your money back from unwanted items. We take a closer look at your legal rights to a refund.

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Should I buy a house with friends?

Buying a house is still out of reach for many first time buyers. Sharing the costs with friends or family can seem like a good idea, but what do you need to know before you take the plunge?

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What is Air Passenger Duty and can you claim your money back?

Air Passenger Duty on flights for children up to 15 years old has been scrapped. If you have already paid for flights you may need to claim this money back: here is how.

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Can buying a repossessed property save you money?

If you can put aside the emotive mental images conjured up by the words 'repossessed property', then there are some real bargains to be had. You just need to know where to look and how to go about buying.

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Your rights if a retailer goes into administration

Companies going into administration has become commonplace, so where does this leave you? Here is what happens if a company you make a purchase from goes out of business.

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two people looking at property plans

Do you have what it takes to go into property development?

TV shows make property development look ridiculously easy and a sure-fire way to make money, but what does it really involve and is it for you?

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Where to watch free films and TV online

Watching films and TV shows online can be cheap and convenient, but you could be breaking the law if you use dodgy websites. Here's where you can watch TV and films for free.

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Concerned couple looking at bills

What happens after you are discharged from bankruptcy?

The day you're discharged from bankruptcy is a new start, all the debts you took into bankruptcy will be gone and you're free to start afresh, but what happens next? Here's how to start getting your finances back on track.

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Young couple lying among packing boxes

How does the Rent to Buy scheme work?

If you want to buy a house but can't afford a deposit, there are several schemes that could help you own your own home, including the Rent to Buy scheme. So how does Rent to Buy work and how can it help you?

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Homeschooling: good for your child & your finances?

A good education will teach your child all the life skills they need to succeed and set them up for the future. A home education can be just as rewarding as sending them to school. We investigate if it makes financial sense.

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Couple looking at bills

What are your rights if your rent goes up?

If your landlord puts your rent up is there anything you can do? Here is a breakdown of your rights as a tenant.

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Can debt collectors take money from your bank account?

Worried that cash will be taken from your bank account by companies you owe money to? We explain whether this is likely and what you can do about it.

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How to claim for mis-sold insurance

If you have been mis-sold insurance you could be able to claim compensation to replace the money you have forked out unnecessarily. Here is how to claim your money back from the banks so you are not left out of pocket.

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Gifting money to your children: FAQs

Helping your children out financially is something most parents would like to do, but you need to be careful they don't end up giving it away to the tax man. Here's what you need to know.

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How to complain about bad service - Letter template

Remember to delete the appropriate information before sending the letter.

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8 ways to raise money for charity

Finding different ways to raise cash for a good cause can be fun and entertaining, as well as providing your chosen charity with some vital support. Here are 8 ideas for raising money for charity.

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How to sell your house

We share step-by-step advice on what you need to do if you're considering selling your house.

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How do you claim tax back?

Paying tax is a fact of life for most of us, but it is surprisingly easy to pay too much and leave yourself out of pocket. Here is how to claim tax back from HMRC.

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11 secrets for successful property viewing

Whether you are looking to rent or buy, viewing potential properties is a key part of house hunting. Here is how to make sure a property is really worth your money.

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Man holding phone up to search for signal

Can you cancel your mobile phone contract if you can't get signal?

Being stuck without signal can be frustrating, but does it mean you can ditch your network and break your mobile contract without charge? Here is when you can cancel your contract without facing a hefty fee.

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How to build your own house

Many of us dream of building our own home, and while it is not the right option for everyone, self building could be an affordable way for you to get your ideal property. Yet fail to plan properly and you face the risk of financial ruin.

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How should you pay your rental deposit?

Rent, deposits and letting agent fees are rising in price. Here's how to pay your deposit and whether you should consider borrowing the money or using a credit card.

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row of houses

How to switch your mortgage deal mid-term

Would you switch your mortgage mid-term if you could save money? Here is what you need to know before you decide.

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Generic - Guide - Is the gym really worth your money?

If you're thinking of signing up to the gym but have never been before, you could quickly find out that it isn't worth the money you pay for it. Here is what to look out for before signing up.

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Young couple using laptop

How to manage your mortgage

Keeping track of your mortgage can help you keep up with repayments, save money in fees, get you the best deal and run it smoothly. Here is how to manage your mortgage account.

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How to insure your business

Whether you are a sole trader or you own a large company, business insurance is a must. Here is why you need insurance and how to get the right cover.

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9 free apps that save you time AND money

Whatever you're up to, there's probably an app that can help you do it cheaper and faster. All of these free apps can either save you time, money or both.

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