Personal finance - How to grow your wealth and spend less money - Telegraph - Telegraph
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Friday 07 November 2014

Personal Finance

How to grow and protect your wealth and how to spend less

andrew_oxlade

Andrew Oxlade

David James sells off possessions: why do so many footballers go bust?

Richard Evans

Richard Evans

Want a new 'bank account' pension in April? Act now

Katie Morley

Britain's other inheritance tax: the poorer you are, the more you pay

Richard Dyson

Your bank can give your details to foreign governments – you agreed to it

HMRC 'misses £4,000' from letters explaining where tax goes

 

Taxman tells 24m where their money goes - but what about the missing taxes? We show where £3,842 of a typical family's disposable income goes

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Pensions auto enrolment  

The four ways to withdraw your pension cash

How to withdraw money from your pension under George Osborne's radical pension reforms next year

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David James: England goalkeeper at World Cup 2010 in pictures  

Bankrupt David James sells off possessions: why do so many footballers go bust?

Patterns emerge for why footballers - and other young stars - are declared bankrupt, says Andrew Oxlade

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Moneysaving mortgage trick: pay an extra £150 per month now - save £30,000

 

Moneysaving guru Martin Lewis does the maths and explains how to save tens of thousands on your mortgage, by overpaying just hundreds

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Top five-year account is 'hybrid' bond paying 3.2pc

Investec will pay 3.2pc over five years in the form of 'stepped' rates starting at 3pc and rising to 3.5pc - currently the best of all five-year offers - but savers need a minimum £25,000

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Five quick tricks saved this family £400 a year on household bills

What happens when an energy expert goes through a typical family home? He'll find five ways to avoid high energy bills (and most won't cost you a penny)

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'Scot Power bailiffs broke into my home over previous tenant's debts'

Keith Stoner returned home to find Scottish Power bailiffs had broken the letterbox, moved the washing machine and left behind a trail of muddy footprints  

Keith Stoner returned to find bailiffs had forced entry, broken his letterbox and left muddy footprints – because the previous tenant owed £1,000

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Farmhouse near Longny-au-Perche, Normandy, at £191,716 through Square Habitat (as before)  

How rising French property taxes hit British buyers

If you're thinking of buying property in France be prepared for a long list of tax charges

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Attractive young woman using laptop at home  

How to check your credit score for free

Don't pay for access to your credit score. Here's how to get it for free

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LATEST MONEY NEWS

Pension bank accounts 'won't be ready next year', millions warned

ATM cash machine  

Britain's biggest pension funds warn the Treasury of severe delays to George Osborne's flagship pension reforms

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Water meter rip-off: a third 'regret' decision to switch

Water companies across a third of the country will be required to consider fitting all properties in their areas with a water meter  

Calls for an inquiry into the roll-out of water meters after research indicates millions are losing £100 a year after switching

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The grim reality for the 40-something renters

Some streets are so popular with house-hunters that estate agents battle each other to put up as many advertising hoardings as possible  

Forget the young, high house prices have robbed the asset-less 40-somethings (ALFs) of savings or a retirement pot

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Mansion tax could cripple London's housing market

Labour's proposed mansion tax will have a £2 million threshold  

Labour's mansion tax could knock millions off the value of some streets in central London

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INVESTING»

Gold funds down by 80pc: time to buy?

gold bars in the safe of the German Federal Bank in Frankfurt Main, Germany  

The 20 funds other parents are buying for their children

Family with piggy bank  

Our research of the major fund shops identifies the Junior Isas other parents have been buying

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Jessica investigates»

Should Saga or AA pay for £1,200 damage to our caravan?

When John and Jeannie Hendra's car broke down in Spain it had to be repatriated to Britain - but their caravan was damaged in the process  

John and Jeannie Hendra's caravan was damaged abroad but the AA and Saga can't agree over who should pay for the repairs

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savings»

Poppy Bonds: Three-year rate of 2.4pc - a good deal?

Poppies flourished on the battlefields of First World War France amid the mud and death and inspired John McCrae’s famous poem  

Money MOT: Coventry Building Society launches its latest Poppy Bond, offering a three year fix for 2.4pc, and a donation to the British Legion

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New 2.2pc best buy savings account

New Government-backed Pensioner Bonds: will they run out?

British savers are 'worst in Europe'

Savers attack David Cameron's 'insensitive' remarks about interest rates

Building society offers £50,000 lottery prize as alternative to 'awful' rates

How to get perks worth £50 a month from your current account

Pensions»

Self-employed? Use your pension to reduce your tax bill

Pension Corp buys £60m of Toray liabilities  

Richard Watkins, a financial planner, shares his top tips on how self-employed people and small business owners can build solid pensions and pay less tax

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Pension or Isa - where should I invest?

Should I cash in my pension and invest in property?

Britain is the most prosperous major EU economy, study finds

Nine ways to improve your chances of retiring by 55

The Government made me squander £66,000 on rotten pension

Household bills»

'Npower billed us £500 for gas we hadn't used'

Morris and Margaret Dowding  

Morris and Margaret Dowding were billed by npower for £500 worth of gas despite switching away from the energy provider six months earlier

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Pensioner with no gas fights 14 years of bills

Save £250 with 'blackbox' that turns appliances on and off according to constantly changing energy prices

What next for energy? Should you fix your bill?

Clocks going back 'adds £24 to winter energy bills'

Why grown-up daughters cost £5,700 more than sons

Energy bills: should you fix for four years or wait for prices to fall?

Npower: how to make customer services listen to your complaint

Second energy firm blames Labour for failure to cut prices

Ofgem chief signals u-turn over energy tariff cap

More Household bills News

borrowing»

'We will be mortgaged 'til we drop – and we're happy'

 

There's still stigma attached to borrowing in later life but for some borrowers it's a relief - even a pleasure

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Credit report nightmare: mistaken identity ruined my rating

Yorkshire Building Society fined £4m for mistreating borrowers

How to get 5pc off your shopping in 2014

'How Help to Buy has finally helped me buy'

'Letter box scam almost cost me £20,000'

£100,000 mortgage that cost £250,000

Is it time to cash in on house prices?

Insurance»

Track your dog with a GPS collar to save 20pc on insurance

 

New collars will monitor dogs' every movement, with lower premiums and free dog treats for owners who exercise their pets correctly

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The 10 new cars that are cheapest to insure

Direct Line starts to put the brakes on insurance sales slump

Aviva: Banks are selling insurance again following PPI scandal

Ebola: when your travel insurer will and won't pay

The simple mistake that can halve insurance payouts

'Insurance won't pay unless I do £3,000 damage to my floor'

INVESTING»

December deadline for 'death bond' mis-selling complaints

A pen filling out a life insurance form  

Elderly expats may be among thousands who invested in a fund that the Financial Conduct Authority has warned about

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Pension or Isa - where should I invest?

The world's 10 cheapest stock markets - and why

What shall I buy before the inevitable 'Santa rally’?

Should I cash in my pension and invest in property?

Nine ways to improve your chances of retiring by 55

The investments that pay an inflation-beating income

‘I dumped Richard Branson’s tracker fund to save £2,000’

Fame & Fortune»

Nadia Sawalha: 'I was broke before I joined EastEnders'

 

Fame and fortune: The soap was her big break – but she now makes more from her writing

Roger Law: 'I got £600 a week for Spitting Image'

'BBC too PC, so no repeat fees for me'

It girls through the ages

Paul Daniels: 'How I saved money by living in a hotel'

Paul Daniels: 'I wasn't even a millionaire when I met Debbie McGee'

Jessica investigates»

'Npower billed us £500 for gas we hadn't used'

Morris and Margaret Dowding  

Morris and Margaret Dowding were billed by npower for £500 worth of gas despite switching away from the energy provider six months earlier

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'BT charged £35 for engineer to repair my internet box'

My discounted stamps haven't turned up - and a technicality prevents a credit card refund

'Phoenix policy chaos has left me baffled'

'Scottish Power puts me at end of my tether'

'Why did the AA take £70 from my bank account?'

Money advice»

New 2.2pc best buy savings account

Savings unlocked  

Building society bucks a recent trend of falling rates with a 1.9pc one-year and 2.2pc two-year fixed rate bond, giving hope to savers

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Are mortgage rates as low as they can go?

'We made £2,000 in a month with a pop-up store'

'I have money in an Australian bank. Will I have to pay tax if I transfer it back to Britain?'

Save £250 with 'blackbox' that turns appliances on and off according to constantly changing energy prices

Car insurance: get a 12.5pc discount with a dash-cam

Credit report nightmare: mistaken identity ruined my rating

Number spoofing: the crime where conmen hijack banks' phone numbers

Interest rates»

Bank of England keeps interest rates on hold in November

Bank of England policymakers voted to keep interest rates at 0.5pc in November  

Bank of England rate setters vote to keep interest rates at a record low of 0.5pc in November

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Eurozone standstill poses 'major risk' to world growth, warns OECD

Interest rates: what is the Monetary Policy Committee?

Are mortgage rates as low as they can go?

Savers attack David Cameron's 'insensitive' remarks about interest rates

The truth about low interest rates

Comment»

Self-employed? Use your pension to reduce your tax bill

Pension Corp buys £60m of Toray liabilities  

Richard Watkins, a financial planner, shares his top tips on how self-employed people and small business owners can build solid pensions and pay less tax

Comments

Your bank can give your details to foreign governments – you agreed

Yorkshire, like all building societies, is in the last chance saloon

Britain's other inheritance tax: the poorer you are, the more you pay

Income answers: the new investments unearthed in the hunt for yield

Now you can get 10pc a year: too good to be true?

Jeremy Warner: How oldies are killing the world economy - and could yet rescue it

Slowing growth, geo-politics and Ebola behind market fall

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