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UK probation periods are contractual not statutory. Typical 3-6 months. Statutory employment rights apply from day one. Unfair dismissal protection from 2 years' service. This guide covers what's protected, what's at risk, and how to navigate probation.
16 Jun 2026 · 6 min readUK Premium Bonds are NS&I savings where each GBP 1 bond enters a monthly prize draw. Prizes are tax-free, ranging from GBP 25 to GBP 1 million. This guide covers the mechanics, the prize fund rate, and the comparison with interest-bearing savings.
16 Jun 2026 · 7 min read
The HMRC Personal Tax Account is the central digital service for UK residents to view tax codes, NI records, refunds, and Marriage Allowance. This guide walks through registration, the main features, and the GOV.UK One Login transition.
7 Jul 2026 · 8 min readA 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.
16 Jun 2026 · 7 min readA 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.
16 Jun 2026 · 7 min readPAYE is the system HMRC uses to collect income tax and NI from employed earnings at source. Employers calculate and deduct each pay period using tax codes, then remit to HMRC monthly. This guide covers RTI, tax codes, and end-of-year reconciliation.
16 Jun 2026 · 7 min readUK 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).
16 Jun 2026 · 7 min readP45 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.
16 Jun 2026 · 7 min readUK notice savings accounts require 30, 60, 90, or 120 days notice for withdrawals in exchange for slightly higher rates than easy access. This guide covers when notice accounts are worth the friction and how they compare with fixed bonds.
16 Jun 2026 · 7 min readUK 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.
16 Jun 2026 · 6 min readUK 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.
16 Jun 2026 · 9 min readThe 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.
17 Jun 2026 · 10 min readUK 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.
16 Jun 2026 · 7 min readUK 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.
16 Jun 2026 · 7 min readUK 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.
16 Jun 2026 · 11 min readUK 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.
16 Jun 2026 · 7 min readUK IR35 determines whether a contractor providing services through an intermediary should be taxed as deemed employed. Chapter 8 (intermediaries) and Chapter 10 (off-payroll) apply different routes. The status determination examines control, substitution and mutuality.
16 Jun 2026 · 9 min readUK statutory holiday is 5.6 weeks per year (28 days for 5-day week). Part-time and irregular workers receive pro-rata. The Harpur Trust v Brazel case affects irregular-hours workers. This guide covers the entitlement, pro-rata methods, and payment.
16 Jun 2026 · 7 min readUK Help to Save is an NS&I account for Universal Credit or Working Tax Credit recipients with 50% government bonus on up to GBP 50/month for 4 years. Maximum bonus GBP 1,200. This guide covers eligibility, setup, and the bonus mechanics.
16 Jun 2026 · 7 min read
Help to Buy ISA closed to new savers in November 2019 but existing holders continue with GBP 200/month and a 25% bonus paid at home purchase capped at GBP 3,000. The Lifetime ISA offers a higher bonus paid during saving with a GBP 450,000 property cap. This guide compares them and covers transfers.
16 Jun 2026 · 10 min readUK FSCS protects eligible deposits up to GBP 85,000 per person per banking authorisation, insurance and investment cover with different limits. Temporary High Balance Protection raises the cap to GBP 1 million for 6 months. This guide covers each scheme.
16 Jun 2026 · 7 min readUK freelancers paid from abroad are taxable on the worldwide income on the arising basis since April 2025. Foreign tax credits apply under double tax agreements. This guide covers tax treatment, payment routes (Wise, PayPal, bank), and VAT on B2B services.
16 Jun 2026 · 7 min readA UK flexible ISA allows withdrawal and same-year replacement without using more of the GBP 20,000 allowance. The feature is at the provider's discretion; not all ISAs are flexible. This guide explains how it works.
16 Jun 2026 · 7 min readThe UK Financial Ombudsman Service is the free independent service for resolving consumer-financial disputes. Complain to the firm first; if unresolved within 8 weeks or rejected, escalate to FOS within 6 months. This guide covers the process.
16 Jun 2026 · 7 min readThe FCA Register at register.fca.org.uk lists every UK-authorised financial firm. Checking the Register confirms authorisation, permissions, and contact details. Essential before sharing financial information with any firm.
16 Jun 2026 · 6 min readUK retail payments use three main rails: Faster Payments (instant, 24/7, GBP 1m typical limit), BACS (3-day cycle for direct debits and credits), and CHAPS (same-day large value, typically GBP 10k+). This guide covers each, when to use them, and the fees.
16 Jun 2026 · 7 min readUK employment contracts must include specific terms by law under section 1 Employment Rights Act 1996. This guide covers the mandatory clauses, the common discretionary terms (restrictive covenants, bonus, notice), and what to question before signing.
16 Jun 2026 · 9 min readUK savings split between easy access (instant withdrawal, lower rate) and fixed-rate bonds (locked term, higher rate). This guide compares the trade-offs, the typical rate differential, and how to layer them.
16 Jun 2026 · 7 min readA UK Debt Management Plan is an informal arrangement to pay debts at affordable monthly amounts. Free DMPs are administered by StepChange and National Debtline. This guide covers eligibility, the process, and the credit-file impact.
16 Jun 2026 · 6 min readUK Direct Debit is set up by the recipient and varies in amount; Standing Order is set up by the payer at a fixed amount. Both run on BACS. Direct Debit Guarantee protects against errors. This guide covers both and when to use each.
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