UK Payday Loan Rules and FCA Cap Explained
UK payday loans are subject to FCA price caps since January 2015: maximum 0.8% interest per day, GBP 15 default fees, and a 100% cap on total cost. This guide covers the rules, the alternatives, and how to use payday loans safely (or avoid them).
UK P45, P60, P11D Forms Explained
P45 records pay and tax when leaving a job. P60 is the end-of-year summary. P11D reports taxable benefits in kind. This guide covers what each form shows, the deadlines, and how to use them for applications and claims.
UK MoneyHelper and Citizens Advice: Free Resources
UK MoneyHelper and Citizens Advice provide free impartial money, debt, and consumer advice. MoneyHelper covers budgeting, pensions, mortgages, savings. Citizens Advice covers broader life issues including employment, housing, benefits. This guide covers both services.
UK Money Basics: The Complete Newcomer Guide
UK money basics start with a bank account, then build through budgeting, FSCS protection, FCA Register awareness, savings layering, debt avoidance, and benefit knowledge. This guide covers the essential framework newcomers and first-time earners need.
UK Lifetime ISA: First Home and Retirement Bonus
The UK Lifetime ISA offers a 25% government bonus on up to GBP 4,000 a year for savers aged 18 to 39, usable for a first home up to GBP 450,000 or retirement at 60. This guide covers eligibility, bonus mechanics, the 25% penalty, and how it compares with a pension.
UK Junior ISA Explained: Setup, Limits, Use
UK Junior ISAs allow tax-free saving for under-18s with a GBP 9,000 annual allowance. Opened by a parent or guardian, withdrawals are blocked until 18. This guide covers Cash and Stocks and Shares JISAs, Child Trust Fund transfers, and choosing between them.
UK Job Offer Negotiation: What's Negotiable
UK job offers typically have several negotiable elements: salary, signing bonus, holiday, flexible working, start date, notice period, training budget. Pension and benefits sometimes negotiable. This guide covers what to ask for and how to approach the conversation.
UK ISA Types Explained: Cash, Stocks, Lifetime, Innovative
UK ISAs come in five types: Cash, Stocks and Shares, Lifetime, Innovative Finance, and Junior. Each has different rules and uses but all share the GBP 20,000 annual allowance (Junior is separate). This guide compares them.
UK ISA Transfer Rules: Without Losing Allowance
UK ISAs can be transferred between providers without using new allowance, provided the transfer is initiated correctly through the new provider. This guide covers the rules for current-year vs prior-year, cross-type transfers, and the Lifetime ISA exception.