Dividend Tax Allowance 2026 — £500 and the Hidden Tax Hit The Dividend Allowance dropped from £2,000 to £1,000 in 2023, then to £500 for the 2024–25 tax year and remains £500 for 2025–26. For investors holding dividend-paying stocks outside an ISA, this matters more each year. How It Works Dividends earned outside an ISA …
Fellipe Correia
Fellipe Correia is the founding editor of Hutzis Money. He researches and writes about UK personal finance — ISAs, pensions, mortgages and HMRC tax — drawing on gov.uk, HMRC and FCA public sources. Editorial focus: practical, jargon-free guidance for UK savers and homeowners.
Inheritance Tax in 2026 — Nil-Rate Band and Residence Allowance Inheritance Tax (IHT) hits more UK estates each year as house prices outpace allowances. In 2026 the rules are largely unchanged from prior years but the practical relevance has grown. Here’s where you stand. The Two Allowances Nil-Rate Band (NRB): £325,000 per person. Estates below …
Cash ISA in 2026 — Fixed vs Easy Access Cash ISAs went through a quiet renaissance in 2024–25 as interest rates rose. In 2026 the rate environment is shifting — the question of fixed-term vs easy-access matters more than it has in a decade. Where Rates Sit in Mid-2026 Easy-access Cash ISA: 3.5%–4.4% AER (top …
Stocks & Shares ISA Platforms Compared in 2026 The 2026 ISA allowance is £20,000 per tax year. Where you open your Stocks & Shares ISA affects what you can buy, what you pay in fees and how easily you can switch later. Here’s the practical platform comparison. The Big Five UK Platforms in 2026 Vanguard …
SIPP vs Workplace Pension — The 2026 Tax-Relief Maths You can put money into a Self-Invested Personal Pension (SIPP) and into your workplace pension. They both get tax relief — but the way the relief flows changes the practical maths. Here’s how it plays out in 2026. How Tax Relief Works in a Workplace Pension …
Money Saving Expert Tactics for 2026 Inflation — UK households have absorbed cost-of-living pressure differently. The savviest are extracting genuine savings through specific tactics that compound over a year. Here are the ones that work. Subscription Audit (Quick Win £200-500/year) Most UK adults have £40-80/month in subscriptions they don’t use. The audit: Look at every …
50/30/20 Budget UK Edition: With Council Tax Included — The 50/30/20 budget rule is famous but the US-developed version doesn’t quite fit UK realities. Here’s the British adaptation that actually works. The Original Rule Allocate after-tax income: 50% to needs 30% to wants 20% to savings/debt repayment Simple, memorable, useful. But the categories don’t quite …
Cut Your Energy Bill: 2026 UK Tariff Hacks — UK energy bills remain a household pain point in 2026. While the Ofgem price cap protects consumers from extreme price shocks, smart tariff choices and efficiency tweaks can still cut £200–£600/year off your bill. Understanding the Price Cap Ofgem sets a quarterly maximum unit rate and …
Premium Bonds in 2026: Are They Worth It? — NS&I Premium Bonds offer something unique in UK saving: tax-free chances at monthly prizes. The expected return looks modest, but they have legitimate use cases. What Premium Bonds Are Owned and backed by HM Treasury (government). You buy bonds for £1 each (minimum £25 purchase). Each …
Vanguard vs AJ Bell vs Hargreaves Lansdown: Platform Showdown — If you’re investing in the UK, you’ll likely use one of three platforms: Vanguard, AJ Bell, or Hargreaves Lansdown. Each has clear strengths. The right choice depends on your style. Vanguard UK Strengths: Lowest platform fee: 0.15% capped at £375/year Industry-leading index funds at low …