Back in January 2019, the average UK credit card interest rate sat at around 21.9%. By December 2025, it had risen to roughly 24.7%. But the average APR — which includes fees

The scale of cost increases hitting UK small businesses in 2026 is real, well-documented, and not something that can be fully offset by cutting a few subscriptions or switching energy supplier alone

If you want a single number to walk away with: 10–15% of your take-home pay is a sensible long-term target for most people on an average UK salary, once a pension is contributing, an emergency fund is at least underway, and expensive debt isn’t hanging over you.

The Bank of England had been steadily cutting interest rates through 2025, fixed mortgage rates were edging downward, and most forecasters were pencilling in at least two more base rate cuts in 2026.

Digital banks like Monzo and Starling are winning millions of customers away from Barclays and Lloyds — but are they actually better? We break down the real differences, the risks, and where most UK adults should keep their money in 2026.

Always keep in mind that using a credit card involves borrowing money. Because the money was never yours, to begin with, it’s not like using a debit card. You’ll have to pay back the credit card at some time.

Don’t get caught in the UK tax maze! Learn about the taxation system for freelancers in the UK and how to file your taxes with confidence.

Want to retire early in the UK? Read our guide for tips and strategies on how to achieve this. Discover how you can retire before the traditional age, whether you need to inform HMRC, and more.

Inheritance tax can be complex and costly. Learn how to protect your wealth with our guide on navigating UK inheritance tax. Discover tips for minimising tax liabilities, leveraging legal loopholes, and more.

Running a small business is hard enough without tripping over the same financial pitfalls that catch out thousands…