The government quietly revealed unexpected tax changes in late December, at a time when most of the public attention was elsewhere. The timing brought to mind the famous political saying: “a good day to bury bad news.” More than twenty years on, this strategy of...
That familiar time of year has arrived again. As 2026 begins, how will you balance your finances in the year ahead? With New Year’s Day falling on a Thursday, many people will not return to work until Monday 5 January. That extended break offers a rare opportunity —...
The Autumn 2025 Budget risked becoming a “winter Budget”, arriving at the latest possible opportunity on 26 November after a prolonged and rumour-filled run-up. This marked the Chancellor’s second Budget. Her first, delivered on 30 October 2024, followed early...
A Growing Issue for Millions of Young Adults HMRC’s latest data reveals that the total value of unclaimed Child Trust Funds (CTFs) has climbed to more than £1.5 billion. With hundreds of thousands of accounts now matured — but untouched — the scale of the problem...
With changes to Individual Savings Accounts (ISAs) expected in the Autumn Budget, one variant has come under heavy criticism from the Treasury Select Committee: the Lifetime ISA (LISA). The Origins of the Lifetime ISA A Product of George Osborne’s Final Budget The...
Understanding Retirement Living Standards Determining the ideal income for a comfortable retirement is a common concern. Every year since 2019, the Pension and Lifetime Savings Association (PLSA), in collaboration with Loughborough University, publishes crucial...
Inflation & Rising Rates Expose HMRC's Capacity Issues Over the past several years, a consistent strategy employed by successive governments to boost tax revenue has been the freezing of tax allowances and bands. This approach, coupled with rising inflation that...
The Office for National Statistics has taken a fresh look at our mortality. Source: ONS Roughly every two years, stories in the media tell us how many children will live to the age of 100. The latest projections are that 11.5% of boys and 17.9% of girls born in 2023...
What the Chancellor’s Spring Statement Means for Your Future Finances There were no tax increases in the Chancellor’s Spring Statement (upgraded from an initial Spring Forecast), but that might just be pain deferred. Before becoming Chancellor, Rachel Reeves set out a...
UK Inflation Numbers Higher Than Expected 2025’s first set of UK inflation numbers were higher than expected, but more rises are coming. The UK has experienced an inflation rollercoaster since the start of this decade, as have many Western economies. In January 2020,...
Be Financially Ready For Unforeseen Circumstances What if? If something happened to you tomorrow, how easily could your partner access and understand the state of your financial organisation? It’s been five years since the pandemic turned the world upside down. The...
27 Years of Promises: Where Are We Now? The question of how to fund social care is once again a hot topic in British politics. It seems every few years, a new commission or review is launched, raising hopes for a sustainable solution. But how much progress has really...
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