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Am I better off on universal credit or other benefits? MSE


FREEThe Government predicts 1.4 million people will be better off, 300,000 will see no change, and 900,000 will be eligible for less on universal credit than on their current mix of benefits. Shelley was one of those in the 'better off' group: I read that Martin was recommending private renters that work and claimed working tax credit had a look at ... ... See Details

Pay off debts or save? Max your cash - MoneySavingExpert


FREEPay off debts with savings. As Johnny has no savings, he has to borrow the £5,000 on his credit cards. This leaves him with no savings and £5,000 debt on his credit card at 18%. In other words, Johnny is in exactly the same position in situation B, regardless of what he does. Yet before the emergency he was £850 a year better off by paying ... ... See Details

Council tax discounts


100% offEmail. Many people are eligible for discounts or reductions of between 25% to 100% off their council tax bill, saving £100s – or even £1,000s – each year. For example, those living alone or only with kids, people on a low income, those with a carer, and even empty properties could get a reduced bill. This guide shows who's eligible, how ... ... See Details

Cut Overdraft costs - 10 ways to save - MoneySavingExpert


FREEJan 10, 2022 · A £1,000 overdraft costing £20 a month in interest costs £240 a year, but the same in easy-access savings earns about £10 a year – at best. So pay off your overdraft with your savings and you're about £230 per £1,000 up each year. Once the overdraft's paid off, you can then work to build your savings back up. ... See Details

Universal credit: Will I be worse off? - MoneySavingExpert


FREEYou and your partner each have £4,000 in separate savings accounts, so combined savings of £8,000. The first £6,000 is ignored. The remaining £2,000 is counted as giving you a monthly income of £34.80. £2,000 ÷ £250 = 8. 8 × £4.35 = £34.80. £34.80 will be taken off your monthly universal credit payment. ... See Details

Tax rates 2022/23: tax bands explained


FREEFor the 2022/23 tax year, if you live in England, Wales or Northern Ireland, there are three marginal income tax bands – the 20% basic rate, the 40% higher rate and the 45% additional rate (also remember your personal allowance starts to shrink once earnings hit £100,000). Marginal bands mean you only pay the specified tax rate on that ... ... See Details

Should I overpay my mortgage? - MoneySavingExpert


FREEOn a £150,000, 25-year mortgage, offsetting £25,000 of savings could mean you pay off your mortgage one year and 10 months early, and save £3,350 in interest, while still having access to your savings if needed. Don't misread this as saying everyone should … ... See Details

How to stop spending money: Tips and tools to help you …


FREEMar 18, 2022 · Do a budget to analyse your finances. Free tool - The Demotivator. How to stick within your means. Be clinical when assessing yourself. Work out your priorities. 21 top tips to stop you spending. Get FREE sofas, baby clothes & more on Freecycle. Stash your shrapnel to save. Take the 'No-Spend Day' challenge. ... See Details

Cheaper water bills: should you get a meter water? MSE


FREEThis £50 reduction is applied to the combined average bill in this table. Without the Government contribution, South West Water's combined average bill would be about £533. (2) 2021/22's average bill was £412, while 2022/23's is estimated to be £419, giving a rise of £7. ... See Details

Energy mythbusting: Should you leave your heating on all …


FREEYou can easily avoid using this standby power by switching devices off at the wall. But there's some debate about how effective this is – the Energy Saving Trust still says you can save about £40/year by turning off your appliances at the plug, while British Gas says it could be £110 a year, but we reckon this figure is a bit overblown. ... See Details

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