UK Self-Employed: The Complete Tax and Money Guide
UK self-employed sole traders register with HMRC by 5 October following the tax year of starting, file Self-Assessment, pay Class 4 NI at 6%/2%, and follow CIS or VAT rules where applicable. MTD ITSA from April 2026 changes the filing rhythm. This guide covers each step.
UK Construction Industry Scheme (CIS) Explained
UK Construction Industry Scheme deducts tax from payments to subcontractors: 20% for verified, 30% for unverified, 0% for gross-payment status. Deductions offset against year-end tax. This guide covers registration, verification, and the gross payment route.
UK Section 75 Consumer Credit Act Explained
Section 75 of the UK Consumer Credit Act 1974 makes credit card issuers jointly and severally liable with merchants for breach of contract or misrepresentation on purchases GBP 100-30,000. This guide covers how to claim, the limits, and the chargeback alternative.
UK Savings Interest Tax: Personal Savings Allowance Explained
UK Personal Savings Allowance gives GBP 1,000 tax-free interest to basic-rate taxpayers, GBP 500 higher-rate, nil additional-rate. Above the allowance, interest is taxed at the marginal income tax rate. This guide covers the PSA, starting rate for savings, and reporting.
UK Savings and ISAs: The Complete Guide
UK savers can use Cash ISAs, Stocks and Shares ISAs, Lifetime ISAs, Help to Save, Premium Bonds, fixed-rate bonds, and easy access accounts. The 2026/27 ISA allowance is GBP 20,000. This guide covers each option, FSCS cover, and how to layer them.
UK Salary Take-Home: How to Calculate Net Pay
UK take-home pay is gross salary less income tax, National Insurance, pension, student loan and other deductions. This guide walks through each deduction with formulas, three worked examples, and the order in which payroll software applies them.
UK Payslip Explained Line by Line
A UK payslip lists every deduction from gross pay to net pay. This guide walks through each common line: PAYE, NI, pension, student loan, salary sacrifice. Statutory requirements under section 8 Employment Rights Act 1996.
UK Payslip Deductions: Every Line Explained
A UK payslip lists every deduction from gross to net pay. This guide explains each common line: PAYE, NI, pension, student loan, court orders, salary sacrifice, and benefits. Includes year-to-date columns and what to query.
