Personal Finance

Personal Finance

Gareth Shaw: Always look on the bright side of life

I know you don’t want to read yet another article about the dire state of the savings market. You don’t want to know that with inflation now creeping up to 1.8 per cent this week, just one in 30 savings accounts can match or beat rising prices. And I’m sure you’ve had enough of managing your money in this bonkers world where you can earn more by leaving your cash sitting in your bank account than you can in a savings account or cash Isa.

Opinion 1

Inequality report: Top 1% of Scots have more than bottom 50%

The gap between rich and poor in Scotland is increasing as the wealthiest continue to prosper at a faster rate, official figures have revealed.

Personal Finance 246
The only way to find the cheapest rail ticket is to throw all logic out of the window. Picture: John Devlin

6 ways to get cheaper train tickets

There are ways to find a cheaper option when travelling by rail, says Martin Lewis

Opinion 2
Consumer groups have spoken out against 'punitive' overdraft charges.  Picture:  Ian Georgeson

Banks charging fees of £180 on £100 of borrowing

Borrowers needing as little as £100 could be charged up to £156 more by their bank than it would cost at a payday lender, Which? has found.

Personal Finance 5
Thefts from break-ins can be recovered with insurance. Picture: John Devlin

Investments still a nightmare to insure

FSCS safety net back in line with Europe but risks still lurk, says Neil Gordon-Henderson

Opinion
Npowers gas and electricity prices are both set to rise. Picture: AFP/Getty Images

Npower slammed for hiking energy prices by almost 10%

Npower has come under fire from the government and energy regulator after announcing plans to hike gas and electricity prices by 9.8 per cent – a move that will add £109 to annual dual fuel bills.

News
Finding the perfect holiday without breaking the bank neednt prove massivelystressful if you follow some simple advice. Picture: Getty

Martin Lewis: Ten tips top ease your holiday headaches

It’s cold, wet, and miserable, so no wonder this is the peak summer holiday booking period. However, with the pound recently at a 32-year low against the dollar, and matching the awful rates of 2013 against the euro, this year it’s likely to be a challenge to get a decent price.

Opinion
There are 75,000 people living in poverty in Fife, according to local authority figures. Campaigners believe welfare reform could help reduce the number

Fife pushes ahead with universal basic income plan

A former mining village in Fife is to host a meeting of international experts and politicians to discuss a radical alternative to the present welfare system.

Personal Finance 84
The Financial Conduct Authority says that small private investors are paying a high price for a service that does not result in higher returns. Picture: Getty

That Midas touch can prove elusive

The fund management industry is coming under intense – and justifiable – scrutiny, says Gareth Shaw

Personal Finance
The main weapon to clear credit and store cards is a balance transfer, where you get a new card that repays debts on existing cards at a far lower cost, for a small fee. Picture: Getty

Play your cards right to clear your debts

Take action while the competition in the balance transfers market is white hot, says Martin Lewis

Personal Finance
Overseas shoppers cash in on weak pound over Christmas.   Picture Ian Rutherford

‘Brexit tourists’ pick up bargains on UK high streets

“Brexit tourists” from overseas cashed in on the weakened pound to snap up bargains on UK high streets over the Christmas period.

Personal Finance 3
LendingCrowd chief Stuart Lunn said the ISA would be one of the first in the peer-to-peer sector. Picture: Contributed

LendingCrowd launches first tax-free savings account

Alternative finance firm LendingCrowd is planning to launch its own ISA within weeks on the back of a record year.

Financial
The extended festive break puts people in the mood for house-hunting. Picture: John Devlin

The ideal time to get your house in order for the big move

After New Year many people will be thinking about putting their property on the market.

Personal Finance
Traders hard at work on the floor of the New York Stock Exchange. Despite predictions that the election of Donald Trump would prove catastrophic for US shares, they have rallied. Picture: Spencer Platt/Getty Images

Every storm cloud has a silver lining

2016 has been a tumultuous year, but what’s bad for us all can create opportunities for brave investors

Personal Finance
December accounted for 12 per cent of UK retail spending in 2015. Picture: Ian Georgeson

Low inflation makes for bargain Christmas shopping for consumers

Retailers are gearing up for one of the busiest shopping weeks of the year as low inflation has resulted in bargain deals for consumers.

Personal Finance 1
Mortgage rates are at almost all-time lows, but 2017 is the year that may change. Picture: John Devlin

Martin Lewis: How to find the cheapest mortgage deal

Here’s a quick and easy guide to fireproofing your finances in the face of ever-changing interest rates

Opinion
In his Autumn Statement, Chancellor Philip Hammond openly acknowledged the huge range of uncertainty surrounding the impact of Brexit on the economy. Picture: PA

Rising savings ratio looks a good bet

It’s likely that we’ll all be putting aside a little more, says Motley Fool, but the question is where to put it

News
Many Scots value personal happiness above wealth, a survey has found. Picture: Rob McDougall/TSPL

Most Scots ‘value being happy ahead of being rich’

Individual wealth may be considered by many to 
be an indicator of success, but few Scots appear to agree.

Personal Finance 1
Popular income trusts have turned in a 'lacklustre' performance, says Bill Jamieson. Picture: Daniel Leal-Olivas/AFP/Getty Images

Bill Jamieson: End of an era for UK income funds

A striking feature of the fund management industry has been the dominance of income orientated funds and trusts.

Financial
The FCA said its new rules will make it easier for savers to compare and switch accounts. Picture: Phil Wilkinson

New rules on interest rates aim to help savers

Today sees new rules take effect that will force banks to provide clearer information on interest rates for savers.

Financial
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