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Take-home pay, tax bands, NI and what a raise really means.
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Paying off debtAll
Repayment plans, consolidation maths and time-to-debt-free.
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Margins, VAT, corporation tax and take-home as a director.
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Energy bills, childcare, cars and everyday spending.
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Rebuild a bill from usage, unit rate and standing charge.
Useful guides
Background reading behind the numbers.
tax
Scotland Income Tax 2026/27: Six-Band Guide + Rates vs England
Scottish Income Tax for 2026/27 — all six bands from 19% starter to 48% top rate, who qualifies as a Scottish taxpayer, and how the gap vs England grows with income.
property
UK Stamp Duty (SDLT) Explained: Rates from 1 April 2025, First-Time Buyer Relief, Second-Home Surcharge
Clear walkthrough of UK Stamp Duty Land Tax — current bands, first-home relief up to £500,000 (0% to £300,000), +5% additional-property surcharge, and worked examples.
investments
UK ISA Guide 2026/27: Types, £20,000 Allowance, Transfers, LISA
UK Individual Savings Account guide — Cash, Stocks & Shares, Lifetime and Innovative Finance ISAs, the £20,000 allowance, transfer rules and the 25% LISA bonus.
tax
UK Dividend Tax 2026/27: Rates, £500 Allowance & Director Strategy
UK dividend tax guide — 10.75%/35.75%/39.35% rates for 2026/27, the £500 allowance, and how directors should mix salary and dividends after CT changes.
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