Personal Finance Hub

Ruth Jackson-Kirby

Building societies are mutual organisations, which means they are owned by their customers. They offer current and savings accounts and mortgages so they can be an alternative option to a traditional bank.

Ruth Jackson-Kirby

The Financial Conduct Authority (FCA) is an independent public body that regulates the financial services and markets in the UK. It aims to protect consumers, maintain the integrity of the industry, and promote competition.

Ruth Jackson-Kirby

The Financial Ombudsman Service, also known as the FOS, is an independent organisation that can help you resolve any disputes you may have with a financial company, after unsuccessfully trying to resolve the matter with the company first.

Rebecca Goodman

When you leave a job you will be given a P45 form which shows how much you have earned and how much tax and national insurance you have paid.

Rebecca Goodman

The SA100 form is filled in by those who are self-employed or have more complex finances and need to report their income to HMRC and calculate their tax bill. You may more commonly hear form SA100 referred to as a tax return or self-assessment form.

Rebecca Goodman

One of the most common tax forms is a P60 and it shows how much you have earned and how much tax you have paid in the previous year.

Rebecca Goodman

To pay income tax in the UK you may need to fill out a tax form, either online, by post, or in person.

Rebecca Goodman

CHAPS is the UK payment system used for transferring large sums of money which are cleared on the same day. We explain how it works and when to use the service.

Rebecca Goodman

There are several different ways you can send money to a person or business overseas including using your high street bank, a foreign exchange broker, or a money transfer firm.

Rebecca Goodman

A Bacs payment, also known as Bankers Automated Clearing Services, is one of the most well-known types of bank transfer in the UK.

Rebecca Goodman

The faster payments service speeds up the process of transferring money from one account to another, so it can be available in another bank account in a few hours.

Hannah Smith

If your debts total £20,000 or less, a debt relief order could write them off. First, you need to demonstrate that you’re in financial hardship.

Hannah Smith

Debt charities can offer free professional help, and you can try to work with creditors directly. Other options require closer examination.

Hannah Smith

If you’re stressed or being harassed by creditors, working with a debt charity can give you some breathing space and get you back on track.

Hannah Smith

Debt collectors don’t have any legal authority over and above the lender you originally borrowed from. Bailiffs have more powers, but there are steps you can take.

Laura Whateley

A student maintenance loan can help you pay your living expenses while you study.

Laura Whateley

There are two main types of loan, and you repay yours only when you stop studying and only when you earn above a certain salary threshold.

Laura Whateley

There are two main types of loan, and you repay yours only when you stop studying and only when you earn above a certain salary threshold.

Laura Whateley

Your student loan repayments are tied to earnings after university, and many graduates will never have to repay their loans in full.

John Ellmore

Our study analyses some of the most popular consoles that will cost you most over their lifetime. Whether you are an avid gamer, just starting out, or assessing making that big purchase for your children, here's everything you need to know.