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Free and impartial money advice, set up by government ...

The Money Advice Service helps you manage your money better. Use our Health Check tool, calculators and comparison tables to make the most of your finances.

https://www.moneyadviceservice.org.uk/en


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Dealing with the debts of someone who has died - Money ...

When someone dies and leaves debts, what happens to these debts depends on a number of things. These include what kind of debt it was, if it was secured against anything, if there was a guarantor or insurance and if there are enough assets left in the estate. Unless the surviving relatives are co ...

https://www.moneyadviceservice.org.uk/en/articles/dealing-with-the-debts-of-someone-who-has-died


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What is a trustee? - Money Advice Service

Becoming a trustee is a big responsibility, so here’s an overview of what it involves, including a trustee’s tax situation, their responsibilities if something goes wrong, and what to do if you’re asked to be a trustee

https://www.moneyadviceservice.org.uk/en/articles/being-a-trustee


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Making a will and planning what to leave - Money Advice ...

Before you can write a will you need to decide who gets what. You should set down the basics of your plan for your money and possessions – your estate – early on, before you visit a solicitor or discuss your will with your family. Don’t worry, it’s easier than it sounds – just follow this ...

https://www.moneyadviceservice.org.uk/en/articles/planning-what-to-leave-in-your-will


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How much deposit do I need for a mortgage?

The deposit for buying a house is the first hard step to overcome. Here's how much deposit you need to get a mortgage.

https://www.moneyadviceservice.org.uk/blog/how-much-deposit-need-mortgage


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Average childcare costs - Money Advice Service

Parents now pay an average of over £6,600 per year, for just a part-time nursery place, so it takes up a large chunk of the family budget. In areas like London, costs can be much higher. If you’re planning to return to work, it’s essential to budget carefully for your childcare costs and claim ...

https://www.moneyadviceservice.org.uk/en/articles/childcare-costs


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What to do if your insurance claim is rejected - Money ...

There are a several reasons as to why a claim could be rejected: Incorrect information – if you gave wrong information at any stage (for example, about how something got damaged), it could affect your claim

https://www.moneyadviceservice.org.uk/en/articles/what-to-do-if-your-insurance-claim-is-rejected


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Am I entitled to a free eye test and NHS optical vouchers?

If you’ve not had an eye test for a few years, you might be surprised how much your eye sight has changed. Here’s how to find out if you’re entitled to a free eye test or NHS optical vouchers.

https://www.moneyadviceservice.org.uk/blog/am-i-entitled-free-eye-test-nhs-optical-vouchers


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Speeding fines & tickets - How much do you have to pay?

Here's a summary of how much speeding fines are, plus some info on when they arrive, when you might get disqualified, and what that 14-day rule is all about

https://www.moneyadviceservice.org.uk/blog/speeding-fines-tickets-how-much-to-pay


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How much does a funeral cost? - Money Advice Service

You may be arranging a funeral while coping with grief and feeling you must act quickly, and with little or no recent experience. Some people have strong ideas about what a funeral should be like and what a good send-off should be. The coronavirus outbreak has imposed serious restrictions on ...

https://www.moneyadviceservice.org.uk/en/articles/how-much-does-a-funeral-cost


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How much is the average water bill per month?

How much is the average bill per month. If your parents ever told you off when you were younger for asking them to buy you drink, when you can pour yourself a free glass of water - they weren’t technically right!

https://www.moneyadviceservice.org.uk/blog/how-much-is-the-average-water-bill-per-month


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How to report a scam or fraud - moneyadviceservice.org.uk

Scams and fraud are on the rise, and if you’re unlucky enough to be caught up in one, the best thing you can do to begin the recovery process is to report it. Here’s what to do.

https://www.moneyadviceservice.org.uk/blog/how-to-report-scam-fraud


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What is equity release? - Money Advice Service

Lifetime mortgage: you take out a mortgage secured on your property provided it is your main residence, while retaining ownership. You can choose to ring-fence some of the value of your property as an inheritance for your family. You can choose to make repayments or let the interest roll-up. The ...

https://www.moneyadviceservice.org.uk/en/articles/equity-release


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What benefits can I claim if I am divorcing or separating ...

If you’re divorcing or separating from your partner and your income has dropped, there are some benefits you can claim as a single person. There are also benefits you can claim if you’re now a lone parent and your children live with you all or most of the time. This page tells you more about ...

https://www.moneyadviceservice.org.uk/en/articles/benefits-you-may-be-entitled-to-if-you-are-separating


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Compare guaranteed income products (annuities) - Money ...

Provides a regular income for life in return for a lump sum – with the guarantee that the money won't run out before you die. Your pension provider may have provided a link to us. That's because the regulator for financial services – The Financial Conduct Authority – now requires all pension ...

https://www.moneyadviceservice.org.uk/en/tools/annuities


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How to transfer money from your bank account - Money ...

A bank transfer is when money is sent from one bank account to another. Transferring money from your bank account is usually fast, free and safer than withdrawing and paying in cash. Read on for more information, including how to make a bank transfer and what details you’ll need. There are a ...

https://www.moneyadviceservice.org.uk/en/articles/making-phone-or-online-transfers


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Budget Planner – Free online daily, monthly and yearly ...

Our free Budget Planner puts you in control of your household spending and analyses your results to help you take control of your money. It’s already helped hundreds of thousands of people. Before you get started, grab as much information (bank statements, bills…) as you can. The more up to date ...

https://www.moneyadviceservice.org.uk/en/tools/budget-planner


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Gifts and exemptions from Inheritance Tax - Money Advice ...

Making a gift to your family and friends while you’re alive can be a good way to reduce the value of your estate for Inheritance Tax purposes and benefit your loved ones immediately. But estate and tax planning is a complex area. So getting professional advice can help you avoid several big ...

https://www.moneyadviceservice.org.uk/en/articles/gifts-and-exemptions-from-inheritance-tax


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Money Purchase Annual Allowance (MPAA) - Money Advice Service

You can get tax relief on pension contributions up to £40,000 a year or 100% of your taxable salary. But if you start taking money from a defined contribution pension scheme, the amount you can pay into a pension and still get tax relief reduces. Read on to find out more. Currently you can pay up ...

https://www.moneyadviceservice.org.uk/en/articles/money-purchase-annual-allowance


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Your rights if something is wrong with your car - Money ...

If a car you buy turns out to be faulty, your rights and options largely depend on who you bought it from and how they described the car. You have less legal protection when buying from a private seller or from a car auction than when buying from a dealer. Our advisers will point you in the right ...

https://www.moneyadviceservice.org.uk/en/articles/your-rights-if-something-is-wrong-with-your-car


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How do savings and lump sum pay-outs affect benefits ...

How savings affect Tax Credits. If you are getting Working or Child Tax Credits, only taxable income is taken into account, so you might be able to claim tax credits, regardless of the amount of money you have in savings.

https://www.moneyadviceservice.org.uk/en/articles/how-do-savings-and-lump-sum-pay-outs-affect-benefits


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Mortgage affordability calculator – How much mortgage can ...

This tool will help you estimate how much you can afford to borrow to buy a home. We’ll work it out by looking at your income and your outgoings. Mortgage lenders will look at these figures very closely to work out how much they’ll offer you. It should take about five minutes to complete ...

https://www.moneyadviceservice.org.uk/en/tools/house-buying/mortgage-affordability-calculator


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How much is the average gas and electricity bill per month?

Calculating the average gas and electricity bill across the UK is difficult as it depends on a variety of factors. However, according to energy market regulator Ofgem, the average dual fuel variable tariff as of April 2019 is £104.50 per month, or £1,254 a year.

https://www.moneyadviceservice.org.uk/blog/how-much-is-the-average-gas-and-electricity-bill-per-month


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A guide to Inheritance Tax - Money Advice Service

Inheritance Tax (IHT) is a tax on the estate of someone who has died, including all property, possessions and money. Our advisers will point you in the right direction. Start a webchat online or call us on 0800 138 1677. There is normally no tax to be paid if: The value of your estate is below the ...

https://www.moneyadviceservice.org.uk/en/articles/a-guide-to-inheritance-tax


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Stamp Duty Calculator - Work out the new updated Stamp ...

Stamp Duty is paid at different rates, depending on the purchase price. For example, someone subject to Stamp Duty buying a property for £550,000 would pay no tax on the value of the property up to £500,000 and 5% tax on the property value between £500,001 and £550,000.

https://www.moneyadviceservice.org.uk/en/tools/house-buying/stamp-duty-calculator


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Investing in shares - Money Advice Service

Investing in small companies is especially risky. The shares of smaller companies are sometimes known as ‘penny shares’. They don’t meet the requirements for a full listing on the London Stock Exchange (they’re ‘unlisted companies’), so they’re bought and sold on other markets, like the Alternative Investment Market (AIM) and the Plus Quoted Market.

https://www.moneyadviceservice.org.uk/en/articles/investing-in-shares


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Workplace pension contribution calculator - Money Advice ...

It is now law that most employees must be enrolled into a workplace pension scheme by their employer. This calculator will show you how much will be paid into your pension by you and your employer. You are too young to join a workplace pension. When you reach the age of 16 you may ask your employer ...

https://www.moneyadviceservice.org.uk/en/tools/workplace-pension-contribution-calculator


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Homebuyer surveys and costs - Money Advice Service

Homebuyer surveys are a good way to avoid unexpected repair costs further down the line. Getting a survey for a house or flat will give you an idea of just how much you might need to invest in a property after you buy it.

https://www.moneyadviceservice.org.uk/en/articles/a-guide-to-homebuyer-surveys-and-costs


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Self-invested personal pensions (SIPPs) - Money Advice Service

SIPPs aren’t for everyone. Get advice if you’re thinking about this type of personal pension. With standard personal pension schemes, your investments are managed for you within the pooled fund you have chosen. SIPPs are a form of personal pension that give you the freedom to choose and manage ...

https://www.moneyadviceservice.org.uk/en/articles/self-invested-personal-pensions


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Do you have to pay tax on your redundancy pay? - Money ...

“Is my redundancy pay taxable?” is one of the first questions people ask when facing redundancy. Well, as redundancy pay is compensation for your job loss, it qualifies for special tax treatment, so up to £30,000 is tax free. But many people don’t realise that other elements of their package ...

https://www.moneyadviceservice.org.uk/en/articles/do-you-have-to-pay-tax-on-your-redundancy-payout


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The cost of buying a house and moving - Money Advice Service

Make sure you have saved enough to cover all of the upfront costs. Use the Stamp Duty calculator to work out how much you’ll pay when buying your property in England or Northern Ireland. Stamp duty is a government tax paid on homes costing £125,001 or more. First-time-buyers will pay no Stamp ...

https://www.moneyadviceservice.org.uk/en/articles/estimate-your-overall-buying-and-moving-costs


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Savings Calculator - Work out your monthly savings and ...

Savings calculator. Are you saving for a future bill? A new TV or car? Or just to have a bit in the bank? The calculator can help you understand how long it will take to save a specific amount, or how much you need to save to have enough by a particular date.

https://www.moneyadviceservice.org.uk/en/tools/savings-calculator


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How much is the average cost of home and contents insurance?

With the average UK household owning £35,000 of stuff, protecting it is important and it might be cheaper than you think. The average combined home and contents insurance policy costs £161.75 a year, according to the AA British Insurance Premium Index.

https://www.moneyadviceservice.org.uk/blog/how-much-is-the-average-cost-of-home-and-contents-insurance


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Car depreciation explained - Money Advice Service

Fuel is likely to be your biggest day-to-day car running expense, but the real cash-burner is depreciation. According to research by CAP Automotive, depreciation will cost the typical motorist three times as much as they spend at the petrol pump. Depreciation is the difference between a car’s ...

https://www.moneyadviceservice.org.uk/en/articles/car-depreciation-explained


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Government schemes for first-time home buyers and existing ...

Several government schemes can help you buy a home. These include Help to Buy, Right to Buy and Shared Ownership. Read this article to find out more about them and how to apply. Use our Stamp Duty Calculator to work out how much you’ll pay when buying your property in England, Wales or Northern ...

https://www.moneyadviceservice.org.uk/en/articles/help-to-buy-homebuy-and-other-housing-schemes


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How to negotiate when buying a car - Money Advice Service

Anyone can and should haggle when buying a vehicle. In fact, 64% of those who tried to negotiate when buying a car were successful, with just 16% of those failing to bag a discount, according to Money Advice Service research.So read our tips for negotiating car prices.

https://www.moneyadviceservice.org.uk/en/articles/how-to-negotiate-when-buying-a-car


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What benefits can I claim when I'm pregnant or have a baby ...

There are lots of benefits and entitlements available when you’re pregnant or have a baby, including maternity benefits, the Sure Start Maternity Grant, as well as benefits you can claim if you’re pregnant and unemployed or on a low income.

https://www.moneyadviceservice.org.uk/en/articles/benefits-and-entitlements-to-claim-when-you-have-a-baby


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Help to Save explained - Money Advice Service

Help to Save is a new savings scheme for people on low incomes who are claiming certain benefits. Help to Save gives you a bonus payment from the government of up to 50% (half) on savings paid into the account. This guide explains who can get a Help to Save account, how you can pay money into them ...

https://www.moneyadviceservice.org.uk/en/articles/help-to-save-explained


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How much does a divorce cost? - Your Money Advice

After exploring the average cost of a wedding it seems pessimistic to be talking about divorce. However, the reality is 42% of marriages now end in divorce, so it’s worth knowing that the average cost of a divorce in the UK stands at £14,561 in legal fees and lifestyle costs.

https://www.moneyadviceservice.org.uk/blog/how-much-does-a-divorce-cost


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Guide to financial adviser fees - Money Advice Service

Many financial advisers offer an initial meeting free of charge. This isn’t designed to give you specific advice about your situation. It’s a chance to see how they work, how much they charge and to get a sense of whether you feel comfortable with them. A financial adviser’s fees vary ...

https://www.moneyadviceservice.org.uk/en/articles/Guide-to-financial-adviser-fees