Saving Money
Practical tips and strategies to help you save more, spend less, and make the most of your money every day in the UK.
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How Much Should Your Emergency Fund Be in the UK? (2025 Guide)
Wondering how much to keep in your UK emergency fund in 2025? Start with £500, then aim for 3 months of expenses. Learn how to calculate it, where to keep it, and see real-life examples. If there’s one piece of financial advice that shows up in every budgeting book, blog, and YouTube video, it’s this:…
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Lifestyle Inflation: 10 Ways It Secretly Steals Your Wealth
Lifestyle inflation — also known as lifestyle creep — is the silent killer of wealth. As income rises, so do expenses, often without us noticing. Learn how to spot the signs, avoid the trap, and build lasting financial freedom instead. You’re earning more than ever, but your bank account doesn’t reflect it. What gives? This…
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Winter Fuel Payment U-Turn 2025: 10 Key Things You Should Know
Millions of pensioners will receive Winter Fuel Payments again this year following a major U-turn by the government. After last year’s controversial restrictions, Chancellor Rachel Reeves has reinstated the payment for a broader group of older people — with a new income cap now in place. If you’re retired or have older family members relying…
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The Crazy £6k Difference Between Cost of Car Ownership and Getting Cabs In London
Is The Cost of Car Ownership Still Worth It? I Ran the Numbers Living in London, I started to question whether the cost of car ownership — for something I only use once or twice a week — is really worth it. So I did what any curious personal finance nerd would do: I crunched…
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The Real Cost of Moving Home — And Why Improving Your Current One Could Be Smarter
From stamp duty to solicitor fees, the cost of moving home can quickly add up. Here’s how to increase home value by investing in upgrades instead of moving Thinking about moving to gain more space or a better layout? Before you start browsing property listings, it’s essential to understand the true cost of moving home.…
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What’s the Best ISA: Stocks & Shares vs Cash ISA: Which One’s Right for You?
If you’ve started thinking about saving or investing, one of the first questions you’ll run into is: “Should I open a Cash ISA or a Stocks & Shares ISA?” They both sound smart. They both come with tax benefits. But they work in very different ways — and picking the right one could make a…
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Dave Ramsey’s 7 Baby Steps UK Edition: A Smarter Way to Stop Being Poor
If you’ve ever looked up personal finance advice online, chances are you’ve come across Dave Ramsey’s 7 Baby Steps. They’re a simple, step-by-step framework to help you get out of debt, build wealth, and take control of your money. Originally written for a US audience, Ramsey’s plan has helped millions of people become debt-free —…
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Are Premium Bonds Worth It in 2025?
A Friendly Guide to Understanding Premium Bonds Premium Bonds are one of the UK’s most talked-about savings products — but are they actually worth it? Whether you’ve just started your personal finance journey or you’re considering moving your savings around, here’s a clear, no-nonsense guide to what Premium Bonds are, why people love them, what…
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