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Does buy now pay later hurt your credit score and what happens if you miss payments
Buy now pay later has exploded at online checkouts and is now used by millions of people to spread the cost of clothes, tech and even groceries. This guide explains how it really works, whether it can affect your credit report, what happens if you miss payments, and what is changing as new rules come in.
Car insurance still feels unaffordable and what you can do about it
Average car insurance prices have started to fall slightly, but millions of people still feel priced out or trapped in expensive policies. This guide explains why premiums jumped so much, why they still feel high, and practical steps you can take to stop overpaying and stay legally covered.
Why your energy bill is still high even though the price cap has changed
Many people expected their gas and electricity bills to drop sharply once wholesale prices fell and the price cap moved. This guide explains how the cap really works, why standing charges matter so much, how energy debt and new rules affect your bill, and what you can do if costs are still too high.
Will your partner's debt become your problem when you move in together
Many people worry that moving in with a partner means taking on all of their debt too. This guide explains when you are and are not liable, how joint accounts and credit links work, and how to protect yourself if your partner has money problems.
Are your savings safe if your bank fails
Headlines about bank trouble can be scary, but everyday savers are protected by a formal deposit guarantee scheme. This guide explains how much is covered, how joint accounts work, what happens with app based and e money providers, and what to do if you have more than the standard limit.
Money help in the UK when you suddenly lose your job
If you've just been made redundant or lost your job, there is more financial help available than many people realise. This guide explains redundancy pay, benefits you can claim, how tax works and practical money steps to take in your first few weeks out of work.
Why your UK payslip is smaller than you expect
Your contract says one figure, but the money hitting your bank account is much lower. This guide walks through the main deductions on a UK payslip – tax, National Insurance, student loans, pensions and court orders – and shows you how to check if what you are paid is correct.
Can you get a bank account with bad credit in the UK
If you have a poor credit history or past debt problems, you can usually still get a fee free basic bank account. This guide explains how basic bank accounts work, who must be offered one, what they can and cannot do, and how to deal with refusals.
Universal Credit deductions why your payment is lower than you expected
Universal Credit payments can be lower than the amount on your award letter because money is taken off to repay debts and arrears. This guide explains what deductions are, the new 15 percent cap, which debts can be taken, and what you can do if the deductions are leaving you short.