You can invest in property directly or indirectly through a ‘pooled’ or ‘collective’ investment scheme, like a Unit Trust or Open Ended Investment Company. More »

Government Bonds or Guilts are loans to the government. Generally they pay a fixed rate of interest annually and return the capital to you at the end of a stated period. More »

The Child Trust Fund (CTF) is a long-term tax-free savings and investment account for children born on or after 1 September 2002. More »

Shares, unit trusts and investment trusts are all medium to longer-term investments in the stock market. The returns are potentially higher than with savings, but they are not guaranteed. More »

Individual Savings Accounts (ISAs) are tax-favoured savings and investment accounts. They were introduced in 1999 to replace PEPS and TESSAs. You can use an ISA to save cash, or invest in stocks and shares. More »

If your finances are complicated or you need advice on a particular financial product a financial adviser can help. More »

It’s easy to put off making a will. But if you die without one your assets may be distributed according to the law rather than your wishes. This could mean that your partner receives less, or that the money goes to family members who may not need it. More »

If you have any children or grandchildren you may want to open a savings account for them to encourage them to save from an early age. More »

The additional State Pension, or State 2nd Pension, is paid in addition to the basic State Pension. More »

If you need financial help to pay for a funeral you’re arranging and you are on a low income, you may be able to get a lump sum payment from the Social Fund to cover funeral expenses. More »

If you need help paying for loft insulation or other energy improvements in your privately owned or rented home, you, your partner or civil partner may be able to get money from the government’s Warm Front grants scheme if, for example, you’re receiving income or disability-related benefits. More »

If you have even taken out a loan or mortgage, use a credit card or have a consolidation loan then you may have been paying for payment protection insurance. More »

There is no getting away the rising cost of university living. Now that the tuition fee structure has changed from 2006 onwards, the general cost of student living is expected to increase by £4,912 to £33,512 during a typical three year course. More »

Need a cheap loan to help pay for work-related learning. A Career Development Loan may be what you need. More »

Debt consolidation is taking out a single loan to pay off several existing debts. Used carefully this method can help you take control of your finances.
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Make the most of your family’s money by budgeting effectively. It will help to plan ahead and negotiate with your debtors. More »

Looking for a loan shark? Take a look at our useful guide first… More »

If you are struggling with debt it is important to tackle with the problem immediately - the longer you leave it, the worse it becomes. Here is a plan of action to help you to cope… More »

You could get financial help towards the costs of your learning, and related costs like travel and childcare. More »