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Income tax allowances
Income Tax is a tax on income. Not all income is taxable, and you’re only taxed on ‘taxable income’ above a certain level. Even then, there are other reliefs and allowances that can reduce your...
Identity theft
Your identity and personal information are valuable. Once criminals have your personal details they can use them to open bank accounts, get credit cards, loans, state benefits and documents such as...
Giving to charity
Human beings have an inbuilt survival instinct which means we will normally do our best to protect ourselves and our loved ones from harm or danger. Although this instinct could lead to purely...
Capital gains tax
Capital Gains Tax (CGT) is a tax on the profit or gain you make when you sell or ‘dispose of’ an asset. You usually dispose of an asset when you cease to own it – for example if you: sell it give it...
The importance of dealing with debt
If you’re in debt and you are finding it hard to cope, it’s important to deal with the problem straight away – the longer you ignore your debts, the worse the situation becomes....
Negotiating with creditors
If you have fallen into arrears with payments on a loan or other type of debt it may be tempting in the short term, to ignore letters or phone calls from creditors but unfortunately it isn’t...