When two or more people buy property together in England and Wales, they must choose between joint tenancy and tenants in common. The right choice depends on whether you want equal shares, IHT planning, or control over what happens to your share if you die. Here's the full breakdown.
The NHS recommends drinking no more than 14 units of alcohol per week — and not saving them all for one session. A pint of 5% lager contains 2.8 units. A 250ml glass of 13% wine is 3.3 units. Most people underestimate how quickly units add up.
Most UK benefits uprate in April, but some change in September/November. When Universal Credit changes, what triggers uprating, and the full 2026/27 rates guide.
PCP and HP car finance explained clearly: how monthly payments are calculated, what you're actually paying in interest, the voluntary termination right, and cheaper alternatives.
Council Tax Reduction (CTR) can cut your bill by up to 100% if you're on a low income. Here's how means-tested CTR, the single person discount, and exemptions work in 2026 — with a worked example for a single parent on Universal Credit.
The financial mechanics of divorce in 2026: pension sharing orders, CETV calculations, capital gains tax exemptions between separating spouses, and the CGT trap on property.
IHT at 40% sounds brutal — but couples can shield up to £1M. Here's exactly how the nil-rate band, residence nil-rate band, taper relief and the coming pension changes work in 2026/27.
Universal Credit reduces by 55p for every £1 you earn above your work allowance. Here's the full 2026/27 taper maths, worked examples for different family types, and the benefits trap explained.
The average UK water and sewerage bill is around £639/year for 2026/27 (Water UK). Unmetered bills (based on rateable value) can be higher or lower depending on your household. The key rule: if there are fewer people in your home than bedrooms, a meter usually saves you money.
Most lenders will offer 4-4.5x salary, meaning you need £66,667-£75,000 to borrow £300k alone. Joint applications, higher deposits and stress-test rates all affect the answer.
Your P60 shows your total earnings and tax for the full tax year — but it often differs from simply multiplying your last payslip by 12, or adding up what you think you earned. Here are the five most common reasons for the discrepancy and what to do about it.
For most people, tax codes stay the same from year to year unless your income changes. In 2026/27, the standard code remains 1257L. But if you've had benefits-in-kind, untaxed income, or a salary change, HMRC may issue you a new code in March–April 2026.
