More than half of British adults now manage their spending against a plan — 51% in 2026, up from 38% in 2023 according to a nationally representative YouGov survey of 2,087 UK adults. That thirteen-point jump in three years is the direct result of five years of cost-of-living pressure that pushed prices roughly 25% higher than early 2020 levels. Among
Cashback credit cards and loyalty schemes in the UK have quietly become a multi-hundred-pound annual fixture for households that use them deliberately. The two largest cashback platforms, TopCashback and Quidco each report multi-million active member bases, and Tesco Clubcard alone covers roughly 20 million UK households. Here’s what you actually need to know. Disclosure: Some links on this page are
More than 242,000 cases of identity fraud were recorded in the UK in 2025, making up 54% of every filing to the National Fraud Database. That figure isn’t just about money stolen in a single transaction — it’s about what happens to your credit file when someone else opens accounts in your name, takes over existing ones, or builds a
About 1.8 million fixed-rate mortgages are scheduled to end in 2026 — the largest refinancing cohort in UK history. Most of those deals were taken out during the stamp duty holiday in 2021, when rates sat below 2%. The deals available today look nothing like that. Here’s what you actually need to know. Disclosure: Some links on this page are
If your child is heading to university in the next few years, you’ve probably heard the phrase “expected parental contribution” and wondered what it actually means for your bank account. The average graduate in England and Wales leaves with just over £50,000 in student loan debt, and the outstanding student loan book for England alone now exceeds £230 billion. Here’s
Google searches for how to save money UK jumped 67% in recent months. Emergency funds now top the savings priority for 44% of workers. Here’s what you actually need to know. Disclosure: Some links on this page are affiliate links. If you make a purchase through them, Britwealth may earn a commission at no extra cost to you. We only
Research by ALA, a GAP insurance provider, suggests UK drivers underestimate the total cost of hidden insurance admin fees by a wide margin. The firm’s 2025 survey put the average estimated annual figure at £45 million in consumers’ minds, against what it says was a true cost of over £593 million in 2022. Here’s what you actually need to know.
British shoppers spent over £120 billion online in 2025, and most of them did it without a single browser extension helping them find a better price. That figure comes from retail spending data, but the gap it points to is bigger than the number itself. Millions of purchases happen every year without anyone checking whether a coupon exists, whether the
Most people renew their insurance with a vague sense they’re overpaying, but don’t know what to actually ask for. The thing is, there are specific, named discounts and policy features that can cut your premium by 20%, 30%, even 50% — and most insurers won’t volunteer them unless you bring them up. Here’s what you actually need to know. Disclosure:
UK medical inflation is hovering around 10–12%, among the highest rates in Western Europe, and nearly 1 in 6 people now use private services for diagnostics and elective surgery. That combination — rising premiums alongside growing reliance on private care — is pushing more households to look at a trade-off they might have dismissed a few years ago: accepting a
You have a minor bump in the car park. The damage looks barely worth the excess. Or maybe you got a letter from your insurer saying they won’t pay for the leaky pipe. It’s tempting to bin the letter and move on. Here’s what you actually need to know. Disclosure: Some links on this page are affiliate links. If you
Stick with your bank and you’ll be rewarded — that’s the promise, anyway. The FCA has documented the opposite across multiple markets: loyalty typically costs you money. The regulator found the nine largest providers passed on average just 28% of base rate rises to easy-access savings accounts between January 2022 and May 2023, while fixed-term accounts got 51%. That gap
