With the Autumn Budget set to be delivered on 26 November 2025, many are speculating on how chancellor Rachel Reeves will close the UK’s fiscal gap. Although the government has pledged not to increase Income Tax, VAT, or National Insurance (NI), it seems inevitable that some taxes will rise. Indeed, as reported by the Independent, Reeves has alluded to difficult choices ahead and refused to rule out significant changes. While the details of the Budget remain uncertain, many of the rumoured policies could have a significant impact on those aged 45 to 60 years – otherwise known as “Gen X”. Gen X’s finances are already being squeezed from all angles. Many are concerned about saving enough for retirement and paying... Read More

50 years have passed since the Sex Discrimination Act 1975 gave women in the UK vital financial freedoms, including the ability to take out loans without a male guarantor. And yet, half a century later, clear financial disparities still exist between men and women. In 2025, Boring Money reported that 3.3 million more men were investing than women, amounting to a gender investment gap of around £678 billion. The gap doesn’t seem likely to close any time soon. In fact, it grew for the second year in a row in the 12 months to March 2025, increasing by £1.2 billion. The gender investment gap could be putting women at a financial disadvantage. Women are generally more likely to save than... Read More

Having your affairs in order could provide valuable support to your loved ones if you become incapacitated or pass away. Yet too often, it isn’t seen as a priority. In fact, according to the National Will Register, nearly half of UK adults don’t have a will, while 53% have not discussed their estate with anyone at all. Even if you have a will in place, your friends and family could still struggle to understand and honour your wishes, or manage your affairs, if you pass away. A “life folder” could help you provide your loved ones with everything they need if the time comes. Read on to learn more about how to create a life folder, who needs one, and... Read More

With unused pension pots set to become subject to Inheritance Tax (IHT) from 6 April 2027, you might be concerned that a higher tax bill will leave less to pass on to your children. Under the new rules, calculations from AJ Bell suggest that an additional-rate taxpayer inheriting a £100,000 pension fund from someone who died at age 75 could end up with just £33,000 after paying IHT and Income Tax. Basic- and higher-rate taxpayers could receive £48,000 or £36,000, respectively. You may already be confident your pension will provide enough income for a comfortable retirement, and therefore plan to leave any unspent pension funds to the next generation in your will. But considering the new rules, gifting from your... Read More

The rise of large language models (LLMs) like ChatGPT, Claude, and Gemini have taken the world by storm in recent years. Of these, OpenAI’s ChatGPT is certainly the most popular model. In essence, an LLM is designed to understand, generate, and interact using human language. This software can excel at answering questions, summarising text, and even generating “new” pieces of writing. LLMs are trained on large datasets that allow them to recognise patterns, understand context, and, for the most part, produce coherent and relevant responses to many queries. So, it’s no wonder that these AI tools are being used by people all over the world for tasks ranging from making shopping lists to building websites from scratch. More people are... Read More