How does Income Tax work in Scotland?
Scotland's income tax system features six bands with higher rates for certain earners, differing from the simpler three-band system in the rest of the UK, impacting take-home pay and savings.
Investing
I've Secured a Pay Rise: What Should I Do?
After receiving a pay rise, prioritize building an emergency fund, paying off high-interest debts, increasing pension contributions, maximizing ISA allowances, and reviewing discretionary spending for long-term financial health.
A Guide to Cash ISAs: Balancing Security and Growth
This guide details Cash ISAs, emphasizing their tax benefits, safety, and ease of access, while comparing them to other ISAs and helping individuals select the best option based on their financial goals.
The Saving Tool UK 2024 Guide to UK Stocks and Shares ISA Providers
Investing in a Stocks and Shares ISA in the UK offers tax-efficient growth, with key considerations including fees, minimum investments, and provider options tailored to individual financial goals.
How Much Do I Need In Retirement?
Preparing for retirement involves estimating necessary income and understanding different pension types, with tools available to help calculate the amount needed to maintain your lifestyle.