Budgeting, saving, clearing debt, cutting bills, ISAs and money habits.
Buying a home, pensions, retirement, protection, self-employment and estate admin.
Coach, adviser or mortgage broker? Who does what, what it costs, and when you need each.
The calculators work in your browser, and nothing you type leaves your device.
The pillar guide · The beliefs behind money behaviour, where they came from, and how to change them.
Behaviour · Why knowing what to do does not change behaviour, and what does.
Couples · How money beliefs collide in a relationship, and how to have the conversation differently.
Family · How to tell when helping an adult child with money has become harmful, and how to stop.
Business owners · Working too much as a money behaviour: what it costs, and why business owners are exposed to it.
Shame · Why people apologise for how much money they have, and how shame stops people getting help.
Underspending · Why some careful savers go without, and what it can cost them.
Mindset · Twenty statements and four money types, with what each is good for and what it costs you.
Budgeting · Your minimum monthly costs, the headroom left over, and how many months your cash would cover.
Saving · Where you sit in the three-to-six-month range, what you hold now, and the monthly amount that closes the gap.
Debt · What the snowball and avalanche methods each cost, in pounds and in years.
Property · Stamp duty from the current GOV.UK bands, the Land Registry fee, legal, survey, the move — and the first year of owning it.
What the household needs from the business, personal reserves and exit goals.
Start from the household figure, then the tax, then what the business can afford.
A fixed monthly pay from a holding account, with tax kept separate.
Both of you in the session, agreeing how the household money works.
Your real spending in four numbers, and one to three changes a session.
£39 a half-hour, £69 an hour or a month, £399 for the Money Road Map.
What happens to your pay, your pension and your State Pension when a baby arrives, and what to set up in the months before.
What going part-time to care for a parent does to your take-home pay and pension, the help you can claim, and how to agree it with the rest of the family.
Which money tasks have deadlines, which can wait, and how to take over finances your partner used to run.
What to gather, what to protect and what to agree when a relationship ends, including the pension that is often the biggest asset after the house.
How menopause can affect work and pay, what to ask your employer for, and how to protect your pension if you cut your hours.
Energy bills · MoneySavingExpert warned on 22 October 2026 that millions of genuine Warm Home Discount letters are going out between October 2026 and early January 2027 — and scammers are using the same window to send fakes asking for bank details. Worked against Ofgem's own confirmed £1,723-a-year dual-fuel cap: £150 is slightly more than a full month's typical bill, paid automatically with no form to fill in. The government will only ever write to you about it on paper — any text, email or call claiming otherwise is fake, and the genuine helpline is 0800 030 9322.
Cost of living · ONS confirmed on 21 October 2026 that UK inflation rose to 3.5% in the year to September, up from 3.1%, driven chiefly by petrol hitting its highest price since August 2022 — up 8.2p a litre to 169.5p, with diesel at 192.5p. Worked on the ONS's own figures: a 55-litre tank costs £4.51 more than in August, about £234 a year for a weekly filler. Core inflation, excluding energy, rose only to 2.8%, so the rest of a typical budget is moving far more slowly than the headline suggests — check your own last two fill-ups and compare forecourts before the Budget on 28 October.
Car insurance · Which? checked 36 quotes from 30 insurers and found paying monthly can carry an APR as high as 53% — over double the 25.9% median credit card rate — while other insurers charge 0% for the same choice. One real example added £367.75 to a single year's cover, roughly £30.65 a month of pure financing cost. Which? wants a government ban, with the Budget on 28 October 2026 the next date to watch; asking your own insurer for the APR is the one move that works right now.
Benefits · DWP says over 1 million eligible pensioners didn't claim Pension Credit in 2023/4, missing a combined £2.5bn. Worked on the real £238/£363.25 weekly thresholds: a single pensioner on £200 a week gets topped up by £1,976 a year, and the first £10,000 of savings doesn't count against you at all. It can also unlock the £150 Warm Home Discount in England and Wales. Ten minutes on GOV.UK's calculator is the only way to know your own number.
Energy bills · Ofgem published a consultation on 16 October 2026 proposing to reactivate the Market Stabilisation Charge, which makes a new energy supplier pay compensation to your old one when wholesale prices fall sharply and you switch — Martin Lewis says it "ain't good for consumers". Worked on the charge's own confirmed 10% threshold and 85% derating factor: a wholesale fall big enough to trigger it could plausibly shrink a future switching saving by £100-£150 a year on a typical £1,723 dual-fuel bill. Nothing changes on your bill today — the consultation closes 29 October 2026 — but it's a reason to compare fixed deals on today's terms rather than waiting for a hoped-for bigger discount later.
Debt & credit · The FCA's £7.5bn car finance redress scheme — covering 12.1 million agreements with undisclosed lender-to-broker commission, averaging £829 each — has been pushed back again, as MoneySavingExpert reported on 13 October 2026: the legal challenge from lenders now has a confirmed Upper Tribunal hearing for 16-26 February 2027, with a judgment not expected before around mid-April 2027. Worked on the FCA's own scheme figures and Ofgem's confirmed October 2026 price cap: £829 is just under six months of a typical household's entire energy bill, and about 1 in 3 eligible cases are capped below that average. You can complain directly to your lender for free.
Cost of living · From 30 September 2026, Rail Delivery Group widened Disabled Persons Railcard eligibility to cover long-term health conditions and neurodivergence without needing an existing Blue Badge or benefit — reported by MoneySavingExpert on 12 October 2026. Worked example: the card costs £20 a year, and the one-third discount on fares for you and a companion pays that back after about £60 of full-price travel, roughly one off-peak return twice a year. RDG's own research shows 79% of existing cardholders backed widening it to cover non-visible disabilities — check the exact wording on the eligibility page before assuming you don't qualify.
Savings · NS&I confirmed new fixed-rate Guaranteed Growth and Income Bonds on 6 October 2026, paying up to 5.17% AER — up from 4.85% on the five-year term — and now among the best rates in the market, backed in full by HM Treasury with no upper limit (bank and building society savings are covered by the FSCS up to £120,000). Worked example: the rate rise alone is worth about £55 extra over two years, or £194 over five years, on a £10,000 deposit. The trade-off: zero withdrawals until maturity, and a multi-year Bond's entire interest total lands in one tax year, which can tip a basic-rate taxpayer over their Personal Savings Allowance.
Mortgages · The average rate on a new five-year fixed mortgage reached 6% this week, the highest in three years, as BBC News reported on 5 October 2026, citing Moneyfacts figures showing fixed-rate deals below 5% have fallen by 99% since the start of September — from 1,494 to just nine. Worked example: on an illustrative £200,000 repayment mortgage over 25 years, moving from 5% to 6% adds about £119 a month, £1,433 a year. If your fix ends within a year, check your renewal date and ask about reserving a new rate early.
Energy bills · The Competition and Markets Authority cleared E.on's takeover of Ovo Energy on 1 October 2026, confirmed on the CMA's own case page, bringing Ovo's 4 million customers under E.on once the deal completes — expected before the end of 2026. Until then Ovo and E.on operate separately, with existing tariffs, Direct Debits and Warm Home Discount eligibility unaffected. Worked on Ofgem's confirmed £1,723-a-year typical dual-fuel cap and MoneySavingExpert's own reporting: switching away now could save up to 4.8% including cashback, around £83 a year — but check whether you're inside Ofgem's fee-free 49-day switching window before leaving a fixed deal early.
Pensions · Prime Minister Andy Burnham confirmed at Labour conference on 29 September 2026 that the state pension triple lock will be adjusted from April 2030 — rising every year by at least inflation or 2.5%, with the earnings element smoothed in "over time" instead of guaranteed annually — to help fund a new National Care Service. DWP's own modelling, published the same day, projects savings of £15bn by 2039/40 rising to £50bn by 2049/50 against keeping the current triple lock. Worked on today's published rate: the mechanism itself, shown on the current £241.30-a-week full new State Pension, is a gap of about £3.62 a week in a hypothetical strong wage-growth year — nothing changes this week, and the current triple lock runs unchanged for the rest of this Parliament.
Energy bills · BBC News reported on 30 September 2026 that energy consultancy Cornwall Insight forecasts the January price cap at £1,999 a year, a 16% rise on the £1,723 Ofgem confirmed for 1 October — but it isn't confirmed until Ofgem's announcement in late November. Worked example: for an illustrative household with £2,650 a month take-home, the £23-a-month rise cuts what's left over at month-end by about 3.2%. Three free steps to take now: join the Priority Services Register, check Warm Home Discount eligibility, and get any new Direct Debit based on real winter usage, not an averaged forecast.
Property · BBC News reported on 28 September 2026 that a 5% deposit on the current average UK house price of £272,000, plus moving and legal costs, now comes to about £16,850, citing Moneyfacts. Worked on GOV.UK's own Lifetime ISA rules: paying in the full £4,000 a year gets a 25% government bonus, up to £1,000, for a home costing £450,000 or less bought at least 12 months after the first payment. A solo saver maxing it reaches £16,850 in about 3 years 4 months; a couple each maxing their own account gets there in about 1 year 8 months, £2,000 of it free. Withdraw for anything else and a 25% charge applies to the whole balance, bonus included.
Pensions · HMRC's 14 September 2026 release for Pension Awareness Week says 1 in 8 adults — around 6.9 million people — have never checked their State Pension forecast, with 45-54 year-olds the age group least likely to have looked. Worked on GOV.UK's own 2026/27 rates: the full new State Pension is £241.30 a week and needs 35 qualifying years, so one missing National Insurance year costs about £358.50 a year of pension for life — around £7,170 over an illustrative 20-year retirement. Filling it with voluntary Class 3 contributions costs £956.80 a year and pays for itself in under three years of drawing the pension, but check first whether you already have enough years, or could get the year free via a credit, before paying anything.
Debt · The FCA's 22 September 2026 warning lists four red flags for bad debt advice — pressure to decide fast over the phone or WhatsApp, being coached to change your income or outgoings, a fee-charging option pushed without a free one being mentioned, and unclear identity — after banning debt advice firm Curtis Faraday from taking new customers and banning Howard Duckett of Beauforce Corporation, whose existing customers the FCA is telling to stop paying and switch now. Worked example: on a £280-a-month debt plan, a free charity-arranged DMP passes on the full £280, while an illustrative 17% handling fee holds back £47.60 a month, around £571 a year, before it ever reaches your creditors — always ask any firm for its exact fee in writing before you sign anything.
Cost of living · The Competition and Markets Authority's veterinary remedies became legally binding on 22 September 2026, capping written prescription fees at £21 for the first medicine and £12.50 for each extra one, forcing published price lists, written estimates for treatment over £500, and disclosure of who actually owns a practice. But an independent vet told the BBC that consultation and surgery prices are "very, very likely" to rise to cover the lost margin. Worked example: a dog on repeat medication could see £42 a year in capped prescription fees plus the CMA's own estimated £200 a year saved by buying long-term medicine online instead of through the practice — £242 in total if you ask.
Cost of living · Diesel is now averaging £1.92 a litre, the RAC told the BBC on 22 September 2026 — a level last seen when the Ukraine war began in 2022. GOV.UK's own weekly fuel data shows petrol rising from 164.4p to 172.01p and diesel from 186.36p to 195.53p between 7 and 21 September, a further 4-5% on top of the single-week rise we covered on 10 September. Worked example: a 55-litre tank costs £4.19 more on petrol and £5.04 more on diesel than a fortnight ago — £218 to £262 a year for a weekly filler. Re-checking your real cost per mile and comparing forecourts again help this week.
Budgeting · Every Netflix plan rose from 3 September 2026, MoneySavingExpert reported, with existing subscribers seeing the change land through September and October — Standard with Ads up 33% to £7.99, Premium up £24 a year to £20.99. It's Netflix's third increase in a little over two years. Worked example: running Netflix, Amazon Prime, Disney+ and Apple TV+ together now costs at least £33 a month, £396 a year — against ONS's £676.60 average weekly household spend. Downgrading a tier, sharing legitimately via Netflix's own Extra Member option, or cutting a service nobody's watching are three ways to cut the cost.
Benefits · BBC News reported on 20 September 2026 that charities are warning thousands of low-income families are missing NHS Healthy Start payments, with take-up as low as 64% in some council areas and 6,149 eligible families missing out across the North East and Cumbria alone, using the most recent NHS figures, from 2022. Worked on the scheme's own current rates: a family with a baby under one and a toddler aged two could get £13.95 a week — £725.40 a year — on a prepaid card, but unlike Child Benefit nothing about it is automatic. Anyone on Universal Credit earning £408 a month or less, more than 10 weeks pregnant, or with a child under 4 should check eligibility at gov.uk/healthy-start this week; Scotland's equivalent, Best Start Foods, is a separate scheme applied for through mygov.scot.
Interest rates · The Bank of England held Bank Rate at 3.75% on 17 September 2026, the sixth hold in a row, but governor Andrew Bailey said high energy prices from the US-Israel war with Iran made a future rise more likely than a cut, on a 6-3 committee vote. Worked on Moneyfacts' own figures cited by the BBC: on an illustrative £188,937.73 mortgage balance, the average two-year fix rising from 5.65% to 5.77% in nine days adds £13.67 a month, and the average five-year rising from 5.70% to 5.83% adds £14.85 a month — even before this week's decision confirmed the direction. The Bank also raised its inflation forecast to "slightly above 4%" for early next year and warned the January price cap is "expected to rise substantially further"; the next Bank Rate decision is 5 November 2026.
Energy bills · Northern Ireland households get a one-off £63 taken off their electricity from next month, no application needed, the BBC reported on 17 September 2026 — the local replacement for a VAT cut NI couldn't get because it would have needed EU agreement. Bank payment customers get their bill automatically reduced; pay-as-you-go customers get £63 credit on their next top-up, but meters cap at £175, so a top-up over £112 splits the payment across two visits instead of one. Worked against a typical £68 direct debit, £63 covers 93% of a month's electricity — while the NI Consumer Council's own figures show 500 litres of heating oil now costs around £560, more than double a year ago, so this discount helps but doesn't close that gap. It's a separate scheme from the £100 heating oil voucher, and similar reductions are planned for the next two years, but their size depends on whether the UK's VAT cut is extended beyond March 2027.
Pensions · New ONS wage growth of 3.9%, published 15 September 2026, puts the full new State Pension on course to rise to £13,036.40 a year from next April — above the frozen £12,570 tax-free personal allowance for the first time ever. Worked on GOV.UK's own rates: a pensioner relying on the State Pension alone would owe about £93.28 a year in tax, £7.77 a month, roughly 5.4% of a typical monthly energy bill. The government has recommitted to exempting State-Pension-only pensioners from tax admin, but LCP's analysis says only around one in sixteen actually qualify, saving about £91 each — delivery details aren't due until the Budget on 28 October, and September's CPI figure on 21 October could still change the final uprating.
Renting · The BBC reported on 13 September 2026 that Zoopla now forecasts rent rises accelerating to 4-5% a year by the end of 2026, up from 2.6% in July, as homes available to rent fall 3% year-on-year. Worked on the ONS's official rent data: England's average rent is £1,451 a month, so a 4-5% rise is £58 to £73 more a month, £696 to £871 a year — and the gap is wide, with the North East’s rent inflation at 6.3% more than double the South East’s 2.9%. Since May 2026 the Renters’ Rights Act requires landlords to give at least two months’ notice of any rise via a formal ‘section 13’ notice, and lets tenants challenge one for free at the First-tier Tribunal, which can never set the rent higher than what was originally asked.
Student loans · A Treasury Committee report called student loans “broken and unfair” and told ministers to reverse next year's Plan 2 threshold freeze; the Government's response, published 13 September 2026, said no — only clearer information for future students. Worked on GOV.UK's own 2026-27 rates, a Plan 2 graduate on £32,000 getting ordinary 4% pay rises sees their loan repayment climb from £20 to £50 a month over the freeze's three years, £360 more from pay rises alone, because the frozen £29,385 threshold never moves to meet rising pay. Above that threshold, tax, National Insurance and the loan together take 37p of every extra pound ; salary sacrifice into a pension reduces all three.
Pensions · The Guardian reported on 12 September 2026 on the row over the state pension triple lock ahead of the 28 October Budget, with the Office for Budget Responsibility saying the policy “has cost around three times more than initial expectations” and the IFS putting total spending at roughly £154bn a year, £16bn higher than without it. Worked on GOV.UK’s own 2026/27 rates: the full new State Pension rose 4.8% to £241.30 a week (£12,547.60 a year); a rise capped at the triple lock’s 2.5% floor instead would have reached only £236.01 a week — a £5.29-a-week gap that compounds every year after, because future rises are calculated on whatever base a pensioner ends up on. Both main parties have committed to keep the triple lock for the rest of this Parliament, so nothing changes in this Budget — you can check your own State Pension forecast.
Pensions · The BBC reported on 11 September 2026 that Molly Haylett asked her husband Taylor to pay into her pension while she was at home with their first child, alongside research by Octopus Money finding more than a third of parents reduced or paused pension contributions on parental leave, and 63% didn’t know a partner could contribute on their behalf. Worked on GOV.UK’s own rates: Statutory Maternity Pay falls to £194.32 a week after six weeks, and on a £30,000 salary that cuts a 5% pension contribution from £28.85 to £9.72 a week — a £631.29 shortfall over the remaining 33 weeks. The fix: anyone can pay up to £2,880 a year into someone else's pension and HMRC adds 20% relief regardless of the recipient's own earnings, taking it to £3,600.
Cost of living · The RAC says pump prices jumped 5p a litre in a single week — unleaded to 167.17p, diesel to 188.63p — as the Iran conflict pushes oil back towards $100 a barrel, RAC senior policy officer Rod Dennis warning there is “no sign of any relief yet”. Worked on RAC's own figures, that 5p rise added £2.75 to filling a family-sized car, £143 a year if the price simply holds. HMRC's own fuel duty policy paper, published 22 May 2026, sets out the next rise: duty is legislated to rise from 52.95p to 55.95p on 1 January 2027 and to 57.95p by 1 March 2027 unless extended again at Budget 2026 — a further £2.75 a fill, the same size as this week's war-driven spike, but from tax policy rather than geopolitics.
Mortgages · The BBC reported on 8 September 2026 that nearly all the major UK lenders raised mortgage rates in the first week of September, with Moneyfacts putting the average new two-year deal at 5.65% and the five-year at 5.70% as of Tuesday. Worked on the Bank of England’s published quoted-rate series: a five-year fix at 75% loan-to-value averaged 1.28% in September 2021, so an illustrative £220,000 borrowed over 30 years cost £736.26 a month and leaves a balance of £188,937.73 with 25 years to run. Replacing it at the Bank’s August 2026 five-year rate of 4.78% is £1,080.43 a month, up £4,130 a year; at the 5.70% market average it is £1,182.92, up £446.66 a month or £5,359.92 a year — a 61% rise in the payment for a household that changed nothing. The BBC’s second figure checks out too: on the Bank’s two-year series, 3.97% in February 2026 to 4.92% in August, £250,000 over 25 years goes from £1,315.45 to £1,449.85, £134.39 a month. Every 0.25 percentage point on that balance is £27.39 a month, £328.64 a year, £1,643 over a five-year fix. Moving to the revert rate costs most: the Bank’s average revert-to-rate was 6.58% in August against 4.78% for a five-year fix, a 1.80 point gap worth £204.75 a month, £2,457.03 a year. The cause sits outside housing — a 30-year gilt sold on Tuesday at 5.82%, the highest yield since 1998, and Andrew Bailey told the Treasury Committee UK borrowers have seen the largest mortgage rate rise in the G7 bar Japan since the conflict began. Many lenders let you reserve a deal up to six months early and switch if rates fall. Two dated events settle the rest — ONS inflation on 16 September 2026 (CPI was 2.9% in the twelve months to July) and the Bank Rate decision on 17 September, with Bank Rate held at 3.75% since 30 July.
Cost of living · The Scottish Government opened a consultation on 1 September 2026, “Price controls on essential food items: draft legislative provisions”, closing 24 November 2026, and hosted a fair food summit on 8 September as the BBC reported farmers’ objections to it. Worked on ONS Family Spending for the financial year ending 2025, the four items named — milk £2.20 a week, cheese and curd £2.70, eggs £1.20, rice £0.50 — are £6.60 of a £73.70 weekly food and non-alcoholic drinks bill: 9.0% of the shop, £343.20 a year against £3,832.40. Add bread at £2.90 and it is £9.50, or 12.9%. An illustrative 20% cap on those four saves £1.32 a week, £68.64 a year, which is 1.8% of the annual food bill. Food inflation is not what it was: the ONS Consumer Prices Index for food and non-alcoholic beverages rose 1.3% in the twelve months to July 2026, down from 1.7% in June, 2.2% in May and 3.0% in April, against overall CPI of 2.9% — so a whole year of food inflation costs 96p a week, £49.82. Two existing schemes pay more than the cap would save. Best Start Foods in Scotland pays £22.40 every four weeks in pregnancy, £44.80 birth to one and £22.40 for a one to three-year-old; Healthy Start in England, Wales and Northern Ireland pays £4.65 a week from the tenth week of pregnancy, £9.30 under one and £4.65 aged one to four. A Scottish family with a baby and a three-year-old gets £16.80 a week, £873.60 a year — 22.8% of the food bill and 12.7 times the illustrative cap saving; in England the same family gets £13.95 a week, £725.40 a year, 10.6 times. Free school meals are automatic for primary 1 to 5 in Scotland. And the cap mechanism itself is opt-in: supermarkets would have to offer at least one variety at the capped price, putting a floor under the cheapest tier, so the saving only reaches households that buy that tier.
Pensions · The BBC reported on the morning of 7 September 2026 that HMRC will write to around a million people, mostly women, about the low earner’s pension payment — typically £70 each. The money compensates low earners whose employer used a net pay arrangement rather than relief at source: under relief at source a 20% top-up is added whether or not you pay tax, while under a net pay arrangement the relief comes through as a lower tax bill, which is worth 0% to anyone whose income sits below the £12,570 personal allowance. Worked on published 2024-25 rates — personal allowance £12,570, auto-enrolment qualifying earnings band £6,240 to £50,270, minimum employee contribution 5% — a catering assistant on £11,800 contributes £278.00 on qualifying earnings of £5,560, and is owed £55.60. On a scheme certified against total pay the same worker contributes £590 and is owed £118, which is why HMRC’s typical figure is £70 rather than one fixed number. The published costing for the measure is £10 million in 2025-26 and £15 million in 2026-27, from Table 5.1 of the Autumn Budget and Spending Review 2021; at £70 a head, £10 million funds about 143,000 payments against the 1.2 million people HMRC’s impact note says are eligible. Sir Steve Webb of LCP, a former pensions minister, warned the BBC of a real risk of huge non take-up. Nobody applies: HMRC contacts people by post or through their personal tax account and asks for bank details there. HMRC will not text, email or telephone anyone about this payment, so any call or text is a scam. We checked HMRC’s published list of genuine letters on 7 September 2026 and the low earner’s pension payment was not yet on it, so the reliable check for now is your own personal tax account at gov.uk/personal-tax-account rather than the letter. The Registered Pension Schemes (Net Pay Arrangements) Regulations 2026, laid on 23 June 2026, ensure the payment does not affect benefit entitlement. Rollout is phased over the rest of 2026 and into early 2027, with no published schedule.
Cost of living · The BBC reported this morning that Welsh Water bills are set to rise 42% by 2029-30. Worked on its own published figures, 42% on the £503 starting point lands at £714.26 — a £211.26 rise, of which the April 2025 jump from £503 to £639 already delivered £136, or 64.4%. This year’s 4.8% step takes the average to £669.67 and leaves £75.26 still to come. The £800 in the BBC’s story came from a Cardiff couple fitting a water meter, not from saving water: their unmetered bill was heading for £1,400 and the metered one came to £600. Built on CCW’s own meter-calculator averages, a two-adult household uses 103,603 litres a year, and policing every shower down from 46 litres to 30 saves 8,320 litres — 8.03% of use, worth at most £53.78, and exactly £0.00 if the household is unmetered, because a rateable-value bill contains no volume to reduce. Social tariffs: Welsh Water’s HelpU charges £350.16 a year, £319.51 less than the average, and Affinity Water’s LIFT caps clean water at £160.80. Ofwat’s extra £3.4bn for 13 companies is provisional, with the final decision due December 2026.
Cost of living · PwC research reported on 3 September 2026 puts 12.5 million households — 46% — in parts of Britain where economic growth is not improving living standards. Yorkshire and the Humber is £1,917 a year below the national average, the North East £1,542, the North West £1,493, while the South East sits £2,154 above. Divided by twelve, the Yorkshire-to-South-East gap is £339.25 a month — 2.4 times a typical household’s entire £143.58 monthly energy bill under Ofgem’s October cap. Richmond’s average disposable income of £35,448 next to Hammersmith and Fulham’s £18,384 shows the gap inside a ‘better off’ region is four times the gap between regions. What a household can claim: on the GOV.UK March 2026 average Band D bill of £2,392, a Band B home pays £1,860.44 a year, and Council Tax Reduction of up to 100% is worth 97.0% of that Yorkshire shortfall. And the England scheme names changed on 1 April 2026 — Discretionary Housing Payments ended and are now the Housing Payment strand of the Crisis and Resilience Fund, open all year, no benefit claim needed, and it does not reduce anything else.
Benefits · The DWP laid regulations on 1 September 2026 ending a rule that paid a bereaved family a reduced rate where the sufferer died before the compensation was paid — an average shortfall of £7,000, worth £2m to £6m a year to dependants, in force 31 October subject to Parliament. The published 2008 scheme tables show the real gap is far bigger: at 60 the sufferer gets £56,656 and a dependant £24,526, a difference of £32,130. The deadline matters more. The claim window is 12 months from diagnosis, or 12 months from death for a dependant, and nothing announced extends it. And the payment itself can bite: worked on GOV.UK’s Pension Credit rules, a widow of 68 loses about £1,976 a year more in Pension Credit on the larger sum — a means test that assumes compensation earns 10.4% a year.
Energy bills · The CMA secured compensation on 28 August 2026 for around 1,700 households whose heating oil orders were cancelled when prices nearly doubled in a month — £150 to £350 each. Not covered: oil sits outside the price cap entirely, and the Commons Library counts 4.8 million GB homes off the gas grid, 16.0% of properties, half of Northern Ireland among them. A 900-litre fill went from £477.00 at February’s 53p to £936.00 at March’s 104p — £459 more, in one payment. Northern Ireland’s £100 voucher opens 9 September; England, Scotland and Wales have money too, but only if you ring the council.
Credit · TransUnion’s score moves from a scale out of 710 to one out of 999 on a rollout starting late September 2026 — and its own release confirms the information shared with lenders is unchanged. Worked on the Bank of England’s June 2026 average rates, a household carrying £3,400 on a card at 21.49% and £1,200 of overdraft at 21.17% pays £984.70 a year and still owes £4,600; the same £4,600 at the 9.67% average personal loan rate costs £686.57 over three years and ends. The credit file, not the score, decides that £2,267.53 gap. Your statutory report from all three agencies is free, and the ICO says no subscription is required.
Debt · The government made Enforcement Conduct Board accreditation compulsory for private bailiffs this morning — and removed no fees at all. Worked on the statutory table rewritten on 1 May 2026, a £600 council tax debt becomes £1,042: £79 for the letter, £247 for the visit, £116 for the van, or 73.7% of the original debt in fees with no interest involved. Accreditation runs through a two-year certificate cycle, so it phases in slowly. The 28-day notice extension that came in on 1 May can be used now.
Energy bills · Panels went on sale this morning at £699 for one panel, £1,089 for two, with the government expecting £400–£600 once competition builds. Worked on Ofgem’s 26.32p October unit rate, the headline £110 saving needs you to self-consume 417.9 units a year — 1 hour 25 minutes a day at the full 800W, every day, including December. Payback runs 6 years 4 months to 10 years, there is no export payment, and twenty minutes with your smart meter data shows whether it pays for you.
Energy bills · Ofgem has set the cap at £1,723 from 1 October 2026. Worked through on its own published rates, the typical household’s electricity bill falls £3.36 and its gas bill rises £63.13 — gas is up 8.7% a unit while the electricity standing charge dropped 4.1%. The VAT cut went to the fuel that wasn’t rising, it is worth about £43, and it expires on 31 March 2027.
Budgeting · The vouchers dying at 11:59pm on 31 August 2026 are the batch issued in August 2024 — and Tesco issues four batches a year, so it happens again in November. Worked on Tesco’s published rates, an illustrative household is sitting on £120.40. Face value £120.40, triple value £361.20, expired £0 — and why the multiplier only helps if the meal was already in the budget.
Energy bills · Ofgem publishes the October price cap on Wednesday 26 August 2026. The headline is unit rates multiplied by an imaginary home — and Ofgem shrank that home on 1 July, moving the figure from £1,862.66 to £1,663.84 without changing a single price. A real family on 3,300 kWh and 12,000 kWh pays £2,055.97. The VAT cut, worked out, cancels most of the rise rather than delivering a saving.
Cost of living · CPI rose for the first time since March. Gas prices jumped 14.7% in a single month — the biggest rise since October 2022 — and £183 of the £221 price cap increase is gas alone. You pay it from October, when heating starts.
Cost of living · The CMA has opened three investigations into fees added after the headline price — £0.59 to £2.79 on train tickets, £7+ on a driving lesson, resort fees running to hundreds on a holiday. No finding has been made. But on the CMA’s own figures an illustrative household pays £446 a year in charges it never compared, and the law has banned it since 6 April 2025.
Savings · NS&I raises the prize fund rate to 4.35% from the September 2026 draw, with odds of 21,000 to 1. But that is the size of the prize pot, not a return — the average prize is £76 while the commonest is £25. On £10,000 that is about £143 a year, not £435. And a £1,000 holder has a 56% chance of winning nothing at all.
Cost of living · Disabled bus passes in England lose their 9.30am restriction — but not until 1 April 2027. An early-shift traveller pays £407 in the gap at the published £3 and £2 fare caps. Some councils have already lifted it.
Savings · More than five banks are offering incentives to switch, the largest £220. But Bank of England figures for June 2026 show the average instant-access account pays 1.65% while new fixed-term deposits paid 4.30% — a £318 a year gap on £12,000, every year. Where the crossover sits, and the tax that arrives with the better rate.
Borrowing · Lenders see your credit file, not the three-digit score in your app. The gap between a good file and a poor one is £3,821 on a single £12,000 car loan. What is on it, what moves it, and the six-year clocks.
Benefits · DWP has confirmed payments due on Monday 31 August arrive on Friday 28 August instead. Nothing has been added — the same money now has to stretch three days further, and the gap shows up in late September. The three-day cost, worked out on published rates.
Benefits · Attendance Allowance pays up to £114.60 a week and ignores your savings entirely. Firms are charging a share of the first year to submit the free application — and up to a million eligible pensioners never claim it at all.
Family finances · England funds a free holiday club place with a meal in it — worth about £1,222 for two children at market childcare rates. The DfE’s own guidance says the September free school meals expansion does not extend to it.
Energy bills · The £150 Warm Home Discount is decided on your supplier’s records as they stand on Sunday 23 August 2026. If the benefit claimant’s name isn’t on the electricity account that day, the money never arrives.
Family finances · Two school-cost rules change this September: a legal cap on compulsory branded items, and free school meals for every Universal Credit household — worth up to £495 a child, but only if you apply.
Saving · All four Guaranteed Growth Bonds went up and the five-year now tops the list at 4.75% — but its interest is all taxed in one year, which can cost a basic-rate saver £789.
Earning · What 1257L, BR, 0T, K and the emergency codes mean, what a wrong code costs a month, and the four-year window for claiming a refund.
Earning · Plans 1, 2, 4, 5 and Postgraduate compared — what each costs a month, when it is written off, and the four-question test for overpaying.
Family finances · Who can claim, how the High Income Child Benefit Charge works, and what opting out costs.
Saving · How to build three to six months of expenses from nothing.
Budgeting · Why budgets fail, and a simpler structure.
Debt · Priority debts, payoff order and free debt help.
Pensions · How much is enough, the rules, and when to start .
Property · Stamp duty, surveys, solicitors, moving costs and first-year running costs.
Protection · Income protection, life cover and critical illness cover.
Getting help · What a coach does, what a regulated adviser does, and which you need.
Getting help · What qualifications matter, how advice is charged, the questions to ask — and the red flags.
Property · What a mortgage broker does, how they are paid and when to use one.
Budgeting · Statements, a survival number and payday standing orders.
Budgeting · Your minimum monthly costs, and how to work them out.
Saving · Paying yourself first, naming pots and automating the transfer.
Self-employed · Tax reserves, payments on account, pensions, protection and cashflow.
Habits · How to split a pay rise between savings and spending.
Planning · Three questions that give a goal a number and a date.
Relationships · How to talk about money as a couple.
Investing · What trading and investing involve, their risks, and the questions to ask first.
Investing · What an ISA is, the main types and the allowance.
Property · The deposit you need, the Lifetime ISA bonus, the schemes and the extra costs.
Earning · What every line on your payslip means, including the tax code.
Spending · Cutting recurring bills, an annual bill review, and what to say on retention calls.
Retirement · How to work out when you can retire, and the State Pension’s role.
Later life · A will, power of attorney, up-to-date beneficiaries and an organised record.
Help today · Free, independent help from MoneyHelper, StepChange and National Debtline — who to contact first and what to have ready.
The free score covers eight areas of your money and gives you one next action.