As students head back for the 2026/27 academic year, here's a realistic month-by-month budget covering maintenance loan timing, rent, and the gap that catches most first and second years out.
The difference between a bare trust and a discretionary trust for passing money to children in 2026/27 — control, tax treatment, and the age-18 access problem, compared side by side.
You can't sell shares to crystallise a capital loss and buy them straight back the next day to reduce your CGT bill — HMRC's 30-day rule stops it. Here's exactly how the rule works, and the two legitimate ways around it.
Why selling and immediately rebuying the same shares no longer works for realising a Capital Gains Tax loss or gain in 2026/27, and what the 30-day rule actually does.
How Business Property Relief can shelter AIM-listed shares from Inheritance Tax in 2026/27 — the two-year holding rule, the risks, and how the new cap on 100% relief affects large portfolios.
Some employers let staff buy extra annual leave (or sell unused days) through a salary adjustment scheme. Here's exactly how the pay, tax and pension implications work out, using real 2026/27 rates.
How HMRC decides which shares you have sold for Capital Gains Tax purposes in 2026/27 — the same-day rule, the 30-day rule, and the Section 104 pool for older holdings.
Selling shares outside an ISA or pension can trigger Capital Gains Tax above the £3,000 annual exempt amount. Here's how the 18% and 24% rates apply for 2026/27, and how to work out your actual gain.
How Carer's Allowance interacts with State Pension, JSA and ESA under the overlapping benefits rule, the earnings limit, and how it compares to the Universal Credit carer element.
Most sole traders can now use cash basis accounting regardless of turnover, but the choice still has real tax timing consequences. Here's how the rules work for 2026/27 and when accruals is still the better fit.
Why charities set up trading subsidiaries for non-primary-purpose trading, how Gift Aid from the subsidiary reduces Corporation Tax to nil, plus VAT and business rates points.
Millions of Child Trust Funds set up between 2002 and 2011 are now maturing as their owners turn 18, often with unclaimed or forgotten balances. Here's what happens automatically, how to find a lost account, and what to do with the money.
