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March 2009

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How to save and locate lost bank accounts

It's hard to believe, but estimates suggest that there is almost £1bn sitting untouched in dormant UK bank accounts. Accounts can become dormant for a number of  reasons, such as death, loss of account details or change of address. Read more »

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How Safe are my Savings?

With all the headline news recently surrounding banks and building societies, the key question uppermost in savers' minds is just how safe is their money? Read more »

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Saving money on home insurance

Unlike car insurance, home insurance is not a legal requirement, but it is an important way of protecting yourself financially in the event of your home or personal belongings being damaged, destroyed or stolen. This piece covers the key features of home insurance and includes some saving tips on how to save on premiums. Read more »

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Question marks over Discount Vouchers

Discount vouchers have become increasingly popular in recent months as cash-strapped shoppers are looking for more ways of saving money as the recession bites. A number of websites now publicise these promotional discount codes, allowing shoppers to save money on a range of branded goods and services.  Read more »

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Increased Credit to the Unions!

New figures have revealed that there has been a significant increase in the membership of credit unions across the UK. Many have signed up because of their disillusionment with banks and other traditional financial organisations or have struggled to get credit elsewhere. But what are they and what do they offer? Read more »

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Understanding Car Insurance

Car insurance is a legal requirement for anyone who drives on a public road. All motorists must be insured against their liability to other people, including passengers, and for damage to other people's property if their car causes an accident. Anyone who drives a car must be insured to do so. If you don't have your own policy, you need to be a named driver on someone else's policy which allows you to drive that particular car. Read more »

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Finance Issues for Mums

It's Mothers Day in the UK this weekend and a good prompt for mums (after the big day itself!) to review their finances that are centred round children. There are plenty of financial issues that are child related that should be reviewed and improved wherever possible and here are some saving tips on five of them. Read more »

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Avoid Overpaying Tax

Every year UK taxpayers miss simple opportunities to avoid overpaying tax that in many ways could easily be avoided. In the current economic climate, saving money is more important than ever so act before the tax year ends on April 5. To help you, here are some saving tips to avoid falling into this trap. Read more »

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An Introduction to ISAs

If you have savings, and are not using an ISA (individual savings account), then you are almost certainly paying too much to the taxman. ISAs offer generous tax advantages to everyone in the UK and over the years the Government has simplified ISAs considerably, so check them out now if you haven’t already.

An ISA is basically a tax free wrapper into which you can place cash or shares. The key advantage is that they are a great way of saving money without paying tax! Read more »

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An introduction to Child Trust Funds

Child Trust Funds (CTFs) were launched by the Government in 2005. They ensure every child born after 1 September 2002 is given a voucher of £250 to start an account. A CTF voucher is automatically sent to you in the post when your child is born and if you do not invest this within one year, the Government will put it into an account for you. In essence CTFs are long term savings and investment accounts where your child (and no-one else) can withdraw the money when they turn 18 and not before. Read more »