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Managing your money & budgeting

Whether you like to spend or save, being smart about your money and budget can make life easier in both the short and the long term.

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Make the most of your savings

Find out about ways to save and grow your money, including savings accounts, ISAs, investments and saving for children.

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Looking after your credit rating

Understand what a credit rating is and how you can improve it.

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Managing debts

A guide to managing personal debts, whether it’s credit or store cards, bills, loans or overdrafts.

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Borrowing sensibly

Tips on how to borrow sensibly and avoid difficult money situations later down the line.

Debt consolidation

Find out about debt consolidation, and how to sensibly manage your monthly payments.

Windfalls and inheritance

Make the most of your inheritance or windfall and understand the tax implications.

Dealing with debt problems

Get help on planning your budget and finding ways to adapt to new circumstances.

Tax free savings

There’s more to tax-free savings than ISAs. Find out about other ways to protect your hard-earned cash.

Stocks and shares ISA

See our guide to how a Stocks and Shares ISA can be a tax efficient way to invest.

Building a safety net

Find out why you should save, if you can afford to save and get tips on how to keep the savings habbit.

Guide to investing

Know the difference between saving and investing and what to do before you start.

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