Finanças
Understanding Savings: How to Build Financial Security in the UK
Learn how savings work in the UK, from tax-free ISAs to easy-access accounts, and discover how to protect and grow your money with FSCS-backed products.
Clara Hughes
Author
HMRC and tax specialist covering UK Self Assessment, capital gains tax on investments and property, the dividend allowance, and Income Tax bands for working adults and retirees.
- taxes
- self-assessment
- capital-gains
- income-tax
Published articles
Finanças
How to Safeguard Your Cash Before ISA Changes Take Effect in the UK
ISA rules and allowances can change with each budget. Learn how to protect your tax-free savings and make the most of your current allowance before new regulations come into force.
Finanças
Lessons from the Aberfan Disaster: Compensation and Accountability in the UK
How the 1966 Aberfan tragedy reshaped UK disaster relief, public compensation schemes, and government accountability for financial redress.
Finanças
Tax-Free Bitcoin Is Back: How UK Investors Can Now Hold Crypto in Their ISAs Once More
UK investors can once again shelter cryptocurrency gains from capital gains tax using an ISA wrapper, following regulatory clarity from the FCA.
Finanças
Labour's ISA Changes in the UK: What the Controversy Means for Your Savings
Recent policy shifts have sparked fierce debate about whether Individual Savings Accounts still serve their original purpose. Here's what savers need to know.
Finanças
ISA Confusion Clouds UK's Launch of Retail Investing Campaign
A new push to encourage UK retail investing faces obstacles as savers struggle to understand ISA rules, annual allowances, and the differences between account types.
Finanças
Andy Burnham's Britain: What Investors Need to Know About Tax, ISAs and Markets
Andy Burnham's potential policy direction on taxation, savings and financial markets could reshape investment planning for UK households.
Finanças
Autumn Budget Preview in the UK: What Tax and Allowance Changes to Expect
The Chancellor's autumn Budget typically brings changes to tax thresholds and allowances. Here's what financial experts anticipate for UK taxpayers this year.
Finanças
How to Prepare Your Finances for Winter Energy Bills and the Price Cap in the UK
A practical guide to budgeting for higher winter energy costs under the Ofgem price cap, with actionable steps to build an energy fund and access available support.
Finanças
How to Choose the Best Cash ISA for Your Savings in the UK
Compare interest rates, access terms, and FSCS protection to find the Cash ISA that fits your savings goals and timeline.
Finanças
Stocks and Shares ISA Explained: 10 Things UK Beginners Need to Know
A Stocks and Shares ISA lets you invest tax-free in the UK. Here are the essential facts every beginner should understand before opening one.
Finanças
Getting Out of UK Credit Card Debt: The Most Effective Repayment Strategies
Practical, proven strategies to clear your credit card debt faster, save on interest, and regain control of your finances.
Finanças
How to Build an Emergency Fund in the UK: Best High-Interest Accounts
Learn how to build a robust emergency fund using the best high-interest savings accounts and cash ISAs available to UK savers.
Finanças
Premium Bonds October Prize Draw in the UK: Is It Worth Switching from a Savings Account?
Weighing up Premium Bonds versus a savings account? Here's what UK savers need to know about tax-free prizes, guaranteed interest, and the odds.
Finanças
Should I Overpay My Mortgage or Invest in My ISA First in the UK?
Deciding between mortgage overpayments and ISA investing depends on your interest rate, tax position, and financial goals. Here's how to choose the right strategy.
Finanças
Planning Your Finances for a Career Break or Parental Leave in the UK: 7 Essential Steps
Taking a career break or parental leave requires careful financial planning. Here are seven practical steps to prepare your finances for reduced income.
Finanças
Stocks and Shares ISA vs Cash ISA vs Taxable Accounts: Which Is Right for UK Beginners?
Compare the three main ways UK savers can invest: Stocks and Shares ISA, Cash ISA, and standard taxable accounts. Understand the tax benefits, risks, and which option suits your goals.
Finanças
How to Invest in Index Funds in the UK via an ISA: Platform Comparison
Compare the main routes for investing in index funds through a Stocks and Shares ISA, from direct providers to full-service platforms and robo-advisers.
Finanças
UK Income Tax Calculator: How to Work Out Your Take-Home Pay for 2025 to 2026
Calculate your exact take-home pay for the 2025 to 2026 tax year by understanding Income Tax bands, National Insurance contributions, and your Personal Allowance.
Finanças
How Much Should You Save Into Your UK Pension: The Formula Behind the Number
Discover the simple formula that tells you exactly how much to contribute to your pension based on your age and salary, plus how tax relief and employer contributions boost your savings.
Finanças
How to Calculate Your Emergency Fund in the UK: How Many Months and Where to Keep It
Learn how to calculate the right emergency fund size for your circumstances and where to keep it safe and accessible in the UK.
Finanças
Lifetime ISA vs Stocks and Shares ISA: Which Is Better for First-Time Buyers in the UK?
Compare the 25% government bonus of a Lifetime ISA against the flexibility of a Stocks and Shares ISA to find the right savings route for your first home.
Finanças
Why ISA confusion matters for the UK's retail investing campaign
The UK's retail investing campaign wants more savers to consider long-term investing. ISA uncertainty has made that message harder to understand.
Finanças
Why 430 billion GBP in cash savings has reopened the ISA reform debate in the UK
Britain's cash savings pile has renewed calls to make ISAs simpler and help more cautious savers invest. The key question is how to improve clarity without pushing people into unsuitable risk.
Finanças
ISA Changes 2026 in the UK: How to Prepare for the Cash Holdings Charge and First-Time Buyer ISA Reforms
ISA rules are changing, with a planned charge on cash held inside Stocks and Shares ISAs and a proposed replacement for the Lifetime ISA. Here is how UK savers and first-time buyers can prepare without rushing into the wrong decision.