Personal Finance

Personal Finance

Martin Lewis: Jingle tills, jingle tills, money all the way

Ho, ho, oh no. C******** is coming. Sorry for raising the spectre of the C-word this early. I growl at jingle bells in October as much as the next Scrooge. Yet this isn’t about early celebration, it’s about preparation. There’s things you should do NOW to reduce financial and other stresses for the big day.

Socialite Paris Hilton is just one among a number of celebrities to jump on the cryptocurrency bandwagon, but investors should be wary. Picture: Getty

Gareth Shaw: Virtual money is actually risky

What do Floyd Mayweather, Paris Hilton and Burger King all have in common, and what on earth do they have to do with your finances?

Personal Finance
Chance to collect superdraw top prize

Scots in with the chance to pick up a life-changing £116m jackpot

Tonight’s Euromillions Superdraw has an eye-watering prize – here’s everything you need to know.

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A 2014 court case has become a game-changer for PPI claims  if you were not told about the commission paid on the policy, it was mis-sold and you may be due a refund

Martin Lewis: New rule on PPI may mean you’re due compensation

Have you been Plevined? Almost certainly you’ve no idea. Recently the financial regulator, the FCA, launched a two year Payment Protection Insurance (PPI) reclaiming deadline, even getting Arnie to star in its ads. But I’ve been at the forefront of PPI reclaiming for a decade, so now I’m “back” saying everyone should be asking themselves about this hidden new Plevin PPI rule.

If you want to own your dream home, nowadays youre going to need a mate, or better yet, a permanent partner to share the financial burden of home ownership. Picture: Robert Perry

Gareth Shaw: Significant others sought to share mortgage

Last week I saw a headline in one the national papers that made me chuckle and had something serious to say about the financial environment my generation find themselves in – the mark of a good news story. It was declaring the rise of the “Bank of BAE” – younger people relying on having a partner to get on the property ladder (BAE, if you didn’t know, meaning “before anyone else”, or your significant other).

Dont be fooled into handing over your money to smooth-talking fraudsters offering the chance of big returns for your investment. Picture: Getty

Gareth Shaw: We’re in a perfect scamming storm

At Which? HQ, I sit opposite our money helpline – a crack team of financial experts who field thousands of queries about money issues our members are facing. This gives us incredible insight into the experiences people have with providers of financial products and services – and helps Which?, as a consumer champion, get to the heart of the rip-offs that exist in this market.

Money in your piggybank or under the mattress is earning no interest, so inflations eating it up even faster. Putting it in a savings account at least earns your some interest and also protects your hard-earned dosh

Martin Lewis: It pays to ensure every penny is earning the max

Savings rates are on the up. Yet it’s not time to whoop and holler just yet. While we’ve got the best easy access rates we’ve seen for over a year, they’re still paltry, pitiful, spitworthily low and literally uninteresting. Yet they’re a lot better than most people have right now. So it pays to spend five minutes to ensure every penny you’ve got is earning the maximum.

Personal Finance
The power of marketing and advertising gimmicks means most people will know what businesses these characters represent, and what their websites offer

Gareth Shaw: Price comparison sites empower people

Breakdancing 1980s cartoon villains, moustachioed opera singers and eastern European meerkats. No, this is not the start of an awful ‘three men walk into a bar’ joke but the twirling, warbling world of price comparison sites and their ubiquitous mascots that dominate our airwaves.

A fifth of Scots have no savings, a bank survey has found

A fifth of Scots have no savings, study finds

One in five Scots has no savings, according to a new survey by the Bank of Scotland.

Personal Finance
The upcoming ban on card surcharges comes from EU legislation

Charges on paying by debit or credit card to be scrapped in 2018

Charges levied by companies on customers paying by debit or credit cards will be scrapped next year, the UK government will announce today.

Personal Finance
Have car keys will travel  but beware of some bumps on the road that seem designed to catch out the unwary holidamaker

Martin Lewis: Steer clear of holiday car hire pitfalls

Every summer millions of Brits sit behind the wheel in far-flung destinations across the world. Yet there are many financial bumps in the road if you do so, but I hope these seven tips will navigate you through it.

Most of those who are delaying retirement do so because they enjoy working  though some say they could not afford to give up. Picture: Getty Images/Wavebreak Media

More pensioners enjoying new ‘pretirement’ phenomenon

It was once a time when people left work with a fanfare and possibly a gold watch, then settled down with a pipe and slippers to live out the rest of their days in peace and quiet.

Personal Finance
Bank of Scotland's parent is also removing fees and charges for unplanned overdrafts. Picture: Johnston Press

Bank of Scotland shakes up overdraft charges for customers

Lloyds Banking Group is to launch a simplified “pay-as-you-go” overdraft charging system and scrap some fees, in a shake-up affecting millions of customers.

Bad food can be a health hazard

James Walker: It’s worth making a meal of poor service

In the past three years I have received 20,000 complaints about takeaways and a remarkable 35,300 about restaurants, placing them in our top ten of most complained about products or services.

Personal Finance
The price tag will reflect what look you are trying to achieve. Picture: Getty/iStockphoto

Hoarders or divas, they’re all fashion victims in the end

Even with summer sales in full swing, there’s a high price to perfecting a particular look, with the fashion conscious typically spending around £48 per month or £572 per year on clothing to keep up with their chosen trend.

Personal Finance
If youre a retired investor, changes to the dividend allowance and to the annual allowance after taking a lump sum from your pension could have a nasty impact on income

Gareth Shaw: Summer Finance Bill is cloud on the horizon

Amid the frenzy of the general election, and the ramifications of its result, it’s no surprise that the focus on the new government’s legislative programme has fallen upon Brexit and the Conservative Party’s new relationship with the Democratic Unionist Party.

You dont need a smartphone  or a selfie  to enjoy the set. Picture: Thinkstock

Whether it’s wellies or sun cream, give your wallet shelter

We’re in the midst of festival season again, so if you’re looking for a carefree summer of great music, food and sunshine without having to worry about your bank balance when you get back, here are some ways to keep your finances in check.

Personal Finance
Bill Jamieson: Financial advice is not just for the “well off”

Bill Jamieson: Financial advice is not just for the “well off”

How well off do you have to be to need a wealth manager? The better question is this: how well off do you have to be not to need one? Everyone needs a “wealth manager” – though in popular perception it seems to be a preserve of the very well off. Don’t wealth managers come with a boardroom job, a £150,000-plus income, a bulging portfolio of shares and a second home?

Scam traders tend to be based outside the UK yet claim to have some kind of verifiable presence here which can be at prestigious City of London addresses. Tantalising investment opportunities that look too good to be true often are.       Picture: Getty Images)

Gareth Shaw: Finance fraudsters exploit gap in the rules

Given the variety of things we do at Which? – from taste tests, campaigns and mortgage advice to putting hundreds of products through our laboratories – you can only imagine the variety of calls and letters we get from consumers each week.

Peter Hillier is portfolio director at Cazenove Capital.

Peter Hillier: Tweets rock the market

Treat the Twittersphere with a pinch of salt, says Peter Hillier.

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