UK money, explained

Plain-English guides to pay, tax and savings, with real numbers.

Latest · 7 November 2026 · 5 min readPCP vs HP car finance: which costs less, with a worked examplePCP or Hire Purchase? How each type of car finance works, a worked example on a £20,000 car, why the lowest monthly payment is rarely the cheapest deal, and your rights to end it early.

7 November 2026 · 5 min readChild Benefit and the High Income Charge: who pays it back and how to reduce it7 November 2026 · 5 min readStatutory sick pay in 2026: how much you will get under the new day-one rules7 November 2026 · 6 min readRedundancy pay explained: what you are legally owed and how much is tax-free7 November 2026 · 6 min readHoliday entitlement for part-time and irregular-hours workers: how much paid leave you get7 November 2026 · 6 min readHow much can I borrow for a mortgage? Income multiples, affordability and deposits explained7 November 2026 · 6 min readOverpay your mortgage or save the money? A fair comparison with real numbers7 November 2026 · 6 min readWill you ever pay off your student loan? What Plan 2 and Plan 5 graduates really repay7 November 2026 · 6 min readHow much should you have in your pension at 30, 40, 50 and 60?7 November 2026 · 6 min readSalary sacrifice pensions: what you really save, the catches, and the 2029 change7 November 2026 · 6 min readThe 60% tax trap: why a pay rise over £100,000 barely shows, and how to fix it7 November 2026 · 6 min readHow to read your payslip, line by line (with a labelled example)7 November 2026 · 6 min readIs your tax code wrong? How to read 1257L, BR, 0T and K codes