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Self-Employed Expenses You Can Actually Claim Against Tax
Every unclaimed business expense is tax you didn't need to pay. Yet many sole traders under-claim, either from uncertainty about what qualifies or simply not tracking costs properly through the year....
How to Switch to an 8% Regular Saver Account This Month
If your savings are sitting in an account paying 2–3%, you're leaving money on the table. Regular saver accounts are currently paying up to 8%, well ahead of easy-access and even most fixed-rate...
Check Your Payslip: Sick Pay Rules Changed and Many Haven't Noticed
Since 6 April 2026, Statutory Sick Pay works differently — yet plenty of employees don't realise their entitlement has changed, and plenty of small employers haven't fully updated their payroll...
Paying Yourself From a Limited Company: Salary vs Dividends in 2026/27
If you run a limited company, how you pay yourself matters more than ever this year. Dividend tax went up in April 2026, narrowing — but not eliminating — the advantage dividends have long held over...
UK ISA vs US Roth IRA: Which Tax Wrapper Actually Wins?
Britons often hear about the Roth IRA as "the American ISA" and assume the two are interchangeable. They're not — the differences in contribution limits, access, and international tax treatment...
The FCA's Mills Review: What AI Actually Means for Your Money
On 6 July 2026, the FCA published the Mills Review — the first review of its kind by any global regulator into how artificial intelligence will reshape retail financial services by 2030. Led by FCA...
The Fair Work Agency Is Now Live — What It Means for Small Employers
Since 7 April 2026, the UK has had a single, powerful enforcement body for employment rights: the Fair Work Agency. If you employ staff, this changes how breaches get discovered and punished — even...
How to Dispute an Error on Your Credit Report — Step by Step
A mistake on your credit file — a missed payment that was actually paid, an account that isn't yours, an old debt still marked as open — can quietly cost you a mortgage approval or a good interest...
Bank Rate Held at 3.75% — Why Mortgage Rates Are Still Falling Anyway
The Bank of England held Bank Rate at 3.75% at its June meeting, and markets currently expect it to do the same again at the next Monetary Policy Committee decision on 30 July 2026. Yet oddly,...