Section · 3 articles
Savings & investments
Premium Bonds, savings accounts, deposit protection and Capital Gains Tax: how the rules treat the money you put aside, and what is guaranteed and what is not.
Start here
The £3,000 allowance that decides whether selling shares or a second home costs you tax
The CGT allowance has fallen from £12,300 to £3,000 since 2022/23. Gains above it are taxed at 18% or 24%.
Savings & investments
What the Premium Bonds prize rate does and does not tell you about your return
The prize fund rate is 4.35% from the September 2026 draw, with odds of 21,000 to 1 per £1 bond. Prizes are tax-free; most holdings win less than the headline rate.
Savings & investments
How much of your savings is protected if a bank fails, and the shared-licence catch
FSCS protection rose to £120,000 per person per firm in December 2025. Brands that share a banking licence share that one limit.
The other sections
4 articles
Income tax
Tax bands, tax codes, HMRC letters and the small allowances that decide whether you need a tax return, explained with the official figures for 2026/27.
3 articles
Household bills
Council Tax, energy, broadband and water: the discounts and cheaper tariffs that exist for the bills every home pays, and who is entitled to them.
2 articles
Family money
Caring for someone, giving to children and grandchildren, and what happens to a home and savings when someone dies.
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The Friday Sheet: one page on what changed for your money this week.
Tax, savings, bills and family money in the UK, with the official source for every figure. Nothing to buy.
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