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Budget Planner

https://www.moneyadviceservice.org.uk/en

Household budget calculator

You Need A Budget (YNAB) 
There’s quite a buzz about YNAB in tech circles, with plenty of “lifehacker” articles tipping it as the standout budget app. YNAB makes the bold claim that after nine months the average user will have saved more than $3,300 (around £2,326).

YNAB is a digital take on the concept of having pots of money for different things. Its mantra is “give every dollar a job” (it is American but you get the option to work in pounds). Users divide their income into separate pots, such as rent or groceries, when they get paid, and every pound is accounted for. If you over- or under-spend in an area you can move money to another pot.

YNAB also encourages users to save money each month for larger expenses such as car insurance or birthday gifts.

However, it isn’t free. It costs $5 (around £3.50) a month or $50 (£35) a year with a 34-day free trial. Nor is it, strictly speaking, an app: it is desktop software with an iOS or Android smartphone app running alongside it. But the phone app is handy to keep track of spending while you’re out and about.

Goodbudget 
Previously called the Easy Envelope Budget Aid, Goodbudget is another app based on the “envelope budgeting method” – dividing your cash into pots of money for different things.

You can check your envelope balances as well as your bank balances, and expense tracking is also available. Envelopes and balances can be synched between different devices and other people – useful to work out the household budget with your other half.

There’s a free version of Goodbudget and a “Plus” version with more features for $5 (£3.50) a month. It’s available for iOS, Android and desktop.

OnTrees 
Bought by financial website MoneySuperMarket in 2014, the app, or desktop version, lets you view all your bank accounts from different providers in one place with one login. It’s a read-only service, which means it cannot be used to move money in or out of accounts.

Unlike YNAB, which is focused on planning ahead and recording every penny you spend, OnTrees concentrates on where your money has gone. You don’t have to enter transactions manually as it sorts your bank and credit card transactions into categories.

OnTrees is free but only available for desktop and iOS. Developers are working on Android and Windows apps.

Wally 
This is another app with rave reviews. Its developers claim the free app offers a “360-degree view” of your money, tracking what comes in, what goes out, what you have saved and what you have budgeted.

Wally also works with smartphone location services to track where you’re spending your money. Another feature is the ability to photograph your receipts to update your spending and expenses.

Notifications will remind you of upcoming payments and when you have reached a savings goal.

Wally is available for iOS and Android, but there’s no desktop version.

Money Dashboard 
Another app that shows you all your account balances in one place. Like OnTrees, you need to enter your bank login details for the software to read your bank statements. This may make some users uncomfortable, although the application is read-only so no payments, withdrawals or transfers can be made from accounts.

Once each account is linked to Money Dashboard your transaction types will be automatically grouped and categorised into various tags, such as electricity and food. It claims that “with a clearer view of how, when and where you’re spending your money you’ll be in a better position to organise your finances more effectively”.

Money Dashboard is free and available for Android and iOS.

Halifax Balance Extra 
This isn’t an app but a feature available to Halifax current account customers.

It provides a simple view of the money customers have available to them before their next payday by deducting forecasted payments, such as standing orders and direct debits alongside pending transactions.

For example, if you were paid a salary of £2,000 each month but had a £800 mortgage, £100 council tax bill and £100 energy bill to come out, Balance Extra would calculate you had £1,000 left to spend before your next payday.

Food for thought

You can also use apps to shop for your groceries, saving money or even earning cashback in the process.

Money-saving sites 
The Mysupermarket app lists prices from Sainsbury’s, Aldi, Waitrose, Tesco, Ocado, Asda, Iceland and Morrisons. You can scan products by their barcodes to find out where they are cheapest, check product prices and find out where your basket would be cheapest overall.

There’s a grocery section on the app for deal-sharing community HotUKDeals, which allows its 1.4 million members to share information about bargains. You can search for products, scroll through posts and sign up for keyword alerts for specific items. To make the biggest savings, sign up for keyword alerts on pricier items such as meat, fish and alcohol.

Cashback sites 
Some apps let you earn cashback by taking a photo of your supermarket receipt. With TopCashback’s Snap & Save app you buy an item, upload a photo of your receipt and the cashback (advertising commission paid to the site by the retailer) will be credited to your account.

Quidco is similar, though there is an option to activate personalised offers. With the ClickSnap app, when you go to a store and buy a featured product you upload the receipt to earn money back. Alternatively, you pick a supermarket, share that choice with the app and buy featured products online.

Shopitize, meanwhile, allows you to earn money when buying certain brands. You browse the offers, unlock them by answering consumer-focused questions, do your shopping then scan and upload the barcodes and your receipt to earn cashback.

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Subreddit for Personal Finance Tools

·         /r/PFtools

 

OnTrees Personal Finance is brought to you by MoneySuperMarket.com, a consumer champion website that aims to help you make better financial decisions. The app lets you view all your bank accounts in one place and see how your money is coming in (hopefully) and going out (more likely). It splits your spending into categories such as restaurants, groceries and household bills, so it's a good starting point to get on top of your finances.

Debt Manager (iOS, 79p)

Most of us probably fall into debt at some point in our lives, whether it's a mortgage, overdraft, or a student loan, and they can easily spiral out of control if you’re not on the ball. Debt Manager helps you stay on top of things by letting you organise and track your debts. Its features include the ability to set how you want to pay your debts off, a repayment plan developer, a summary bar so you can check payment progress, and various hints and tips.

Money Dashboard (Android and iOS, Free)

Many of us have a number of different bank accounts, such as one for personal spending, another for savings, and another still dedicated to paying off bills. Even if it's just remembering all of your passwords and login details, you'll know that managing all of them effectively can be a struggle, especially when all you want is an overview of your balances. That's where Money Dashboard comes into the mix. Compatible with all UK bank and credit card companies, it allows you to view the balances of all your bank accounts instantly and aims to help you make more informed decisions by identifying your spending habits.

Download it here

MoneyHub (Android and iOS, Free)

Like many other apps, MoneyHub lets you view all your account balances in one place, pulling in live transaction data from your current/savings accounts, loans, credit cards and investments. You’re able to see where your money goes to help you set financial goals, and you can track your progress towards meeting them. There are also calculators for taxes, pensions, savings, house prices and net worth, making it a useful tool for setting longer term financial goals.

Download it here

UK Salary Calculator (iOS, Free) When you look for a new job, it’s common to compare salaries. If you do this yourself, though, there’ll be a lot of maths involved. To avoid that, just download UK Salary Calculator. With it, you can calculate your take-home salary based on your annual, hourly, daily or monthly wage, and can compare salaries between old and new jobs. It takes into account NI contributions, student loan repayments and pensions, making in a quick and easy way to see how much disposable income you'll actually have come pay day. 

Download it here

ClearScore (Android and iOS, Free)

There are so many websites that offer up credit score reports and ratings, but many charge and others can be a bit fiddly. Fortunately, there’s an app that does most of the hard work for you. Clearscore gives you your credit score and report for free, and it doesn’t even ask for your bank details. The app also sends you notifications whenever your score changes, tracks your financial information on a monthly basis, and helps you build a long-term picture.

Download it here

StockWatch (iOS, £2.29)

Playing the stock market can be extremely exciting and potentially lucrative, and if you invest, you really ought to have StockWatch on your phone right now. It allows you to keep up-to-date with the constantly changing stock market and lets you track your portfolios and holdings. Sporting an easy-to-use interface, the app puts all your investments in front of you and sports a variety of research tools. It supports over 50 worldwide exchanges and 150 currencies, too.

Download it here

Official HMRC App (Android and iOS, Free)

Available in both English and Welsh, the official HMRC app ensures you’re on track with your taxes. With it, you can estimate how much Income Tax and National Insurance contributions you have to pay if you’re a UK taxpayer. What’s more, you can easily search for and access HMRC forms, worksheets and related help and guidance. It’s all about making your life as a taxpayer easier, and it’s perfect if you self-assess your taxes.

Download it here

VAT Toolbox (iOS, Free)

If you're not particularly mathematically inclined, working out VAT isn’t exactly easy, but fear not: there’s an app that can help. VAT Toolbox lets you calculate your VAT and displays a simple breakdown comprising of VAT, VAT exclusive price and VAT inclusive price. There’s also a VAT ID validator so you can check if a VAT number is valid or not, protecting yourself from fraud. The app is perfect for businesses, shoppers, and travellers.

Download it here

Toshi Finance (Android and iOS, Free)

Toshi Finance is a personal finance manager that puts expense and budget tracking at the forefront of money management. You can track expenses and incomes with just a few clicks, set up recurring expenses and incomes to help you organise your bills, get bill reminders, and export your expense reports into PDF, Excel, Google Docs or CSV.

Download it here

PayFriendz (Android and iOS, Free)

At some point, we’ve all lent money money to friends, or borrowed some off them. While this is all fine, the payment process isn’t always easy, especially if it's a sizeable chunk: you have to swap sort codes and account numbers, find your card reader or queue at the bank, and remember to keep hold of the receipt in case they try to pull a fast one! Who’s got time for all that? Payfriendz changes this completely. Using the app, you can pay your friends and family or request they pay you in a matter of seconds. It comes with messaging functionality, too, which makes things a lot friendlier. You can add money to your account through your debit card and it supports all UK banks.

Download it here

Your Bank's Mobile App

With money management concerned, it’s worth noting that all the major UK banks offer up apps so you can do your banking on-the-go. It's worth having your bank's app glued to your Home screen, so here are the links you need to get started:

·         Barclays

·         Lloyds

·         HSBC

·         RBS

·         Santander

Below you’ll find examples of some of the organisations which offer independent financial advice or can recommend an independent financial advisor.

It’s important to note we cannot recommend any particular adviser or advice and guidance service and it's important that you find out if an adviser is qualified to give advice.

The Society of Later Life Advisers (SOLLA)

SOLLA helps people to find independent financial advisers who specialise in the financial needs of older people. All advisers on the database have to prove that they meet appropriate criteria and have the right qualifications before they are accredited by SOLLA.

 

See the adviser search on the SOLLA website to find a local, fully accredited adviser quickly and easily.

 

Paying for care

 

Paying for Care is a website that offers information on care costs and planning for care. They also help you to search for local care fees advisers.

 

The Money Advice Service

 

The Money Advice Service was set up by the Government, and offers impartial and unbiased financial information and guidance to help you make the most of your money, whatever your circumstances.

 

My Care, My Home

 

My Care, My Home is an organisation that provides support and guidance to people who fund their own care. The initial assessment and information is free. You can contact them by telephone (0800 7318470) and they can also do home visits.

 

Citizens Advice Bureau (CAB)

 

Luton CAB provides free, independent and confidential information and support. They are a national charity and you can get in touch with them over the phone (), online or visit them at their local Luton office at the address below.

 

Luton CAB offers individual sessions for people looking for independent financial advice. These sessions can be booked directly with Luton CAB or by asking us to refer you.

Contact Luton CAB

Community House
15 New Bedford Road
Luton
LU1 1SA

Telephone: 0344 245 1285
Website; www.citizensadvice.org.uk/luton/ 

The Money Advice Service

The Money Advice Service is a free, independent service. Their website has lots of useful information about financial products, including comparison tables. Go to: www.moneyadviceservice.org.uk.

National Savings and Investments

National Savings and Investments offer a number of financial products which are guaranteed by the Government. They are available through the Post Office, online and by phone. For more information, go to: www.nsandi.com.

Independent financial advice

For help in finding an independent financial adviser, contact one of the following organisations:

Independent Financial Promotions (IFAP)

Website: www.unbiased.co.uk

Institute of Financial Planning (IFP)

E-mail: enquiries@financialplanning.org.uk
Website: www.financialplanning.org.uk

Personal Finance Society (PFS)

E-mail: customer.serv@thepfs.org
Website: www.findanadviser.org

Moneysavingexpert website

The money saving expert website has lots of useful financial information, including price comparison tables for different savings accounts. Go to: www.moneysavingexpert.com.

Barclays

As one of the leading banks in the UK, they have a presence in over 1,500 locations throughout the country. If you want to find out where your nearest branch is, use their online branch locator where you simply type in your postcode to view the results. You can even be more specific and search for branches that are open on Saturdays or one where they have a resident mortgage adviser. View Site »

Lloyds Bank

Find the address, telephone number, opening times, sort code and other facilities of each branch of Lloyds Bank in just a few clicks. Or alternatively, search for Lloyds Bank cashpoints if you need to withdraw money from your account. It’s a no fuss way to get the details you need. View Site »

Santander

With well over 1,000 branches across the UK, this Spanish bank certainly has a large presence on our high streets. If you want to know where the closest one is to you, just type in your post code and it will present a map with one or more branches shown on it. View Site »

HSBC

HSBC are another popular high street bank that can be found in over 1,000 locations up and down the country. Use their online search facility to track down the closest branch wherever you happen to be in the country. Looking for a premier branch or need disable access? No problem; you can choose to only see branches that match these or other conditions. View Site »

Co-operative Bank

If you like your bank to care for the local community and the environment, then the Co-operative might be the choice for you. They have more than 300 branches dotted across the place and you can find the closest one to you by entering your town or postcode into this search facility. View Site »

Halifax

If you need to find out which is the nearest branch of Halifax then just use their online branch finder. They operate on some 800 high streets in total so there is bound to be one within a reasonable distance of your location. No need to do anything special to find one that is open on a Saturday – they all are! View Site »

TSB Bank

Since the break up of the Lloyds TSB brand, over 600 branches of the TSB Bank have opened up on high streets around the country. They promise to get back to local banking and there branch finder will help you get the address, contact number, opening times, and other details of each location they have. View Site »

Natwest

Natwest is another of the largest UK banks that, with over 1,000 branches and 7 million customers, has been a feature of the British high street since 1970. Locate one near you today and even book an appointment online using their live chat feature. View Site »

Nationwide

By far the largest building society in the UK, Nationwide operate in approximately 700 locations and with their online search, you can work out if there is one near you today. Get all the particulars such as address (with map), phone number, opening hours and disabled access among other things. View Site »

RBS

The Royal Bank of Scotland has in the region of 700 branches in the UK, with many being in Scotland itself. It is quick and easy to find out whether or not there is one near you by using their online branch finder. Just enter a postcode or town and view the results on an interactive map. View Site »

Lloyds TSB Group

Provides information leaflets and guides for those of you looking for a regular savings account or lump-sum deposits, instant access or longer term investments, stocks and shares or pension plans, helping you put aside something for the future and find the best rates of return for your money. View Site »

HSBC Group

The HSBC Group website provides information for shareholders, products and services such as personal, private, commercial and corporate and investment banking, news, financial presentations and reports. Information about the HSBC Group's Board of Directors, Employment, Group Archives, History, Members and International Networks. Also Jaguar Racing Team News. View Site »

ABN AMRO

ABN AMRO is a major banking group which provides services for major international corporations and institutions, individuals and small to medium-sized businesses requiring day-to-day banking and Private Clients & Asset Management - high net-worth individuals with resources to invest. View Site »

Citigroup

Citigroup's site provides links to it's global consumer businesses including Citibank, Salomon Smith Barney Private Client Group, Private Banking, Cards, Consumer Finance, Insurance, Citigroup Asset Management and Global Corporate Business Sites including Citibank e-business. View Site »

Royal Bank of Scotland

This site is designed to help you learn more about the history, achievements, structure and policies of The Royal Bank of Scotland Group. Sections include: Corporate Profile, Investor Relations, Press Releases, The Memory Bank and Working for the Bank, plus full information on their comprehensive range of personal, business & corporate products and services. View Site »

Co-operative Bank

The Co-operative Bank website offers advice and guides on personal, business, international and offshore banking, stakeholder pensions, credit cards and much more. They offer a variety of Insurance and investment products as well as personal loans services, application for these online. Online banking. View Site »

Santander -Alliance & Leicester

Alliance & Leicester is a part of Santander. The Santander Group has more than 150 years' experience in banking, and has more branches worldwide than any other international bank. Loads of information and advice given. Investment products, share information & dealing, insurance, travel services and calculators. View Site »

Yorkshire Building Society

Get online to locate information on the services or products you need including savings and investment accounts, mortgages, insurance, credit cards and loans. Additional features include a mortgage illustrator and borrowing calculator. They are registered with the Mortgage Code Compliance Board and follow the Mortgage Code. View Site »

Bradford & Bingley

The MarketPlace is the smart new way to find a property, mortgage, loan, pension, investment or insurance. Rather than simply sell you their own products, they search the market to offer you a choice of products that are best for you, not them. Alternatively you can find out about Bradford & Bingley's own products too. View Site »

Bank for International Settlements

The Bank for International Settlements (BIS) is an international organisation which fosters international monetary and financial cooperation and serves as a bank for central banks. This site describes the BIS, its work, and that of the various groups operating through the BIS. View Site »

Financial Ombudsman Service

Provides consumers with a free, independent service for resolving disputes with financial firms and banking services. You can order supplies of their publications and find a step by step explanation of how to complain online. The website also features news releases, press releases, useful links and frequently asked questions. View Site »

Independent Banking Advisory Service

IBAS is a unique and specialist membership organization offering practical 'hands on' help to those in dispute with their bank. IBAS is non profit making and has no political agenda, thus enabling it to retain it's total independence. They deal with negotiation for both business and personal customers. View Site »

Direct Debit

An easy way to collect regular or occasional payments, pay bills, for both general public users and for business users. Information on site describes what direct debit is, the benefits, frequently asked questions, and gets you started on setting up a direct payment to pay your bills. View Site »

Direct Credit

A service which enables large and small organisations to make payments by electronic transfer directly into bank or building society accounts. The Direct Credit website content includes an introduction to the service, payment process, business benefits, consumer benefits and more. View Site »

British Bankers' Association

A not-for-profit organisation, representing the banking industry in the UK. Funded by subscriptions from its member banks of which there are members worldwide. Their website provides details of the BBA's conferences, publications and training. They produce a wide range of consumer and corporate information. There is a newsroom facility, featuring press releases and a photo library. View Site »

Banking Code Standards Board, The

Responsible for registering banks and building societies and monitoring their compliance with the Banking Code. It is a voluntary code followed by banks and building societies in their relations with personal customers in the UK. It covers current accounts, personal loans, savings (including cash ISAs) and credit cards. View Site »

Bank of England

The Bank of England is the Government's banker and is also the banker to the banking system more generally - the bankers' bank. Their website describes what the Bank does - its main activities and responsibilities. Find out about each part of the Bank's work, among other topics you can learn about the Bank's relationship with the markets, banknotes, the Euro, monetary policy, the UK's foreign exchange and gold reserves. View Site »

Institute of Financial Services

The official brand of The Chartered Institute of Bankers, helping individuals realise their career aspirations, and companies access the very latest learning and knowledge in the financial services industry. Joining gives you access to a wide range of professional development and networking opportunities. View Site »

Bankers Almanac

The Bankers' Almanac is a comprehensive directory of international authorised banks. Established for over 150 years, The Bankers' Almanac has become recognised by many users working within the banking and financial markets as the first point of reference for information on the world's banks, it has been praised for its depth of information and ease of use. View Site »

 Nationwide By far the largest of the building societies in the UK, Nationwide has millions of customers and holds assets many times that of their nearest rival. As a customer, you can enjoy the full range of day-to-day banking services such as current and savings accounts, mortgages and other forms of credit, and insurance. They’ve been around for more than 160 years and have always put the interests of their members first. View Site »

Yorkshire Building Society With roots in the mid 1860s, the Yorkshire has been around for a long time. They offer the full range of banking products either directly or through one of their other brands such as Norwich & Peterborough, Chelsea, and Barnsley building societies. They regularly win industry awards and are rooted deeply in the community through their Charitable Foundation. View Site »

Coventry Building Society A sizeable and stable organisation, Coventry Building Society prioritises the satisfaction of their members and the long term safety of their business by shunning any investment that might be deemed high risk. Instead, they focus on providing vital services to the community with attractive rates on both savings and mortgage products. View Site »

Skipton Building Society  At Skipton, you don’t just get access to the standard array of banking products, you can also benefit from services such as retirement planning, long term investments, and even help with will writing and estate administration. They have a no pressure promise that assures any prospective customer that there will not be any hard selling by staff. View Site »

Leeds Building Society With over 700,000 members, Leeds Building Society has experienced steady growth since the financial crisis. They have great deals on all of their savings products – ISAs, children’s accounts, and bonds – along with a wide range of mortgage options for customers to choose from. Join other members who consistently rate their satisfaction as very high. View Site »

The West Brom Formerly the West Bromwich Building Society, but rebranded simply to the West Brom, members can get access to the typical assortment of savings and mortgage products. The group’s financial position is getting stronger all the time, which is great news for their more than 450,000 members as it means the future is secure and increasingly bright. View Site »

Principality Building Society Founded in Cardiff in 1860, the Principality has been a key provider of savings and mortgage services for generations. These days they also cater for home and life insurance customers and arrange funding for local businesses, which they see as important for long term growth in the prosperity of the region. View Site »

Ecology Building Society For something a bit different, why not take a look at what the Ecology Building Society has to offer. Their ethos is based on the principle of sustainability with the best interests of the environment and society at the core of their products. They only give mortgages to properties that meet their eco criteria which means that savers can be assured that their money is going to causes that help protect the planet. View Site »

Newcastle Building Society

With foundations planted firmly in the North East of England, customers can enjoy a large range of financial services at Newcastle Building Society. With competitive rates on savings, mortgage deals ranging all the way up to 95% LTV, estate planning and insurance products, they have thought of everything that you could need throughout your lifetime. View Site »

Nottingham Building Society

The Nottingham, as it is commonly known, prides itself on putting people before profits. They aim to help their members throughout their lifetimes by giving them access to good savings products, affordable and flexible mortgages, and thoughtful financial planning. Sign up online or pop into one of their many local 

Metro Bank

A recent addition to the UK banking sector, but one that is growing quickly, Metro Bank offer a business current account with zero monthly fee if your balance remains above £5,000. You also get a range of other benefits free such as overseas card payments and cash withdrawals. Overall then, this is a good long term account for existing businesses with money to transfer in. View Site »

Cumberland Building Society

When you open an account, you’ll get 12 months completely free business banking and then you can choose one of two options depending on the type of needs your business has. Both offer fantastic value for money and you’ll have the option of opening a business savings account to in order to earn interest at the same time. View Site »

Natwest

If you’re a startup company, enjoy 2 years free business banking or if you’re an existing business, Natwest will pay you £150 to switch to them. They certainly don’t offer the cheapest standard account fee around, but the offer for new businesses is one of the best around so it they are worth considering. View Site »

TSB Bank

Startups will benefit from 18 months free banking, while switchers will get 6 months free too. Then you have the option of one of three account types with varying charges depending on the features that you will most use as a business. With an extensive branch network, you can deal with your account in person, or simply login to internet banking instead. View Site »

The Co-operative Bank

If you are a member of the Federation of Small Businesses, you can enjoy truly free banking with the Co-operative. All other businesses can enjoy 18 months free banking and then a low monthly fee that should be enough in many circumstances. You can bank online, on the phone, or in one of over 300 branches around the country. View Site »

Santander

Get 12 months free banking (or 18 months if you have a Santander personal account) and then enjoy a single monthly payment after that based upon the amount of cash you deposit each month. You’ll also earn interest on your balance. Voted best business current account for many years running, it is certainly worth a look. View Site »

Aldermore

If you have large amounts of cash sitting in a business account, in most instances it will not be earning you a penny in interest (or very little). But just like individuals, businesses can get savings accounts too, and the Aldermore one is about as flexible as you can get. Choose the time frame you’d like to keep the money in the account for and you’ll receive a specific interest rate. Or just choose an instant access of fixed rate account instead.  View Site »

Lloyds Bank

Another bank and another free account offer for new and existing companies. Lloyds has an extensive branch network should you need to deposit cash on a regular basis and the typical internet and mobile banking can be accessed at any time. Monthly fees come into play after the free period ends. View Site »

HSBC

The same sort of deal can be had at the UK’s largest banking group with fee-free accounts for startups and businesses that switch. A monthly charge applies beyond this time and as with some of the other banks here, you have a choice of tariffs depending on the type of transactions you are most likely to make. View Site »

Bank of Scotland

Here’s another bank that offers 18 months of free business banking for brand new startup companies and 6 months for companies that switch to them. A monthly account fee is payable after this point and there is a choice to make between two types of account to 

Cyprus

The Central Bank of Cyprus site includes information about the bank, inward investment, monetary policy, banking supervision, ship owning companies, international banking, finance & trustee services, currencies and international business companies. View Site »

Russia

The Central Bank of the Russian Federation web site content includes the history and the Bank of Russia Today, Banknotes and Coins, IMF Special Data Dissemination Standard (SDDS), Information and Analytical Materials, Statistics, Bulletin of Banking Statistics. View Site »

Chile The Banco Central de Chile site content includes information about the Central Bank, Policies, Regulations, Press Relations, Economic Data, Studies and Publications, Monetary Policy Report, Banknotes and Coins, Exporting Services and Surveys. View Site »

European System of Central Banks, The (ESCB) Composed of the European Central Bank and the national central banks of all EU Member States. The ESCB's role is to: define and implement the monetary policy of the Community; conduct foreign exchange operations; hold and manage the official foreign reserves of the Member States; promote the smooth operation of payment systems. View Site »

Armenia The web site of the Central Bank of Armenia content includes information about Armenia, the structure of the Central Bank, Management of the Central Bank, the Banking System, Payment and Settlement System, Financial Policy and Financial Markets. View Site »

Croatia The Croatian National Bank web site content includes information about the CNB, exchange rate list, monetary policy, banks and savings banks, regulations, publications, press releases, conferences, banknotes and coins and Numismatic Issues. View Site »

Bank of England The Bank of England is the Government's banker and is also the banker to the banking system more generally - the bankers' bank. Their website describes what the Bank does - its main activities and responsibilities. Find out about each part of the Bank's work, among other topics you can learn about the Bank's relationship with the markets, banknotes, the Euro, monetary policy, the UK's foreign exchange and gold reserves. View Site »

Estonia

The Central Bank of Estonia site content includes information about the CBE, the Estonian Banking System, Monetary Policy Framework, Press Releases, Publications, Research Documents, Statistical Indicators, Banking and Monetary and Major Economic events. View Site »

Mexico

The Banco de Mexico website content includes information about the Bank - monetary and exchange rate policies, currency - banknotes and coins, domestic currency exchange centres, numismatic information, economic and financial indicators, publications and speeches. View Site »

Norway

The Norges Bank web site published information includes: press releases, publications, an inflation report, speeches, news, articles and submissions. Market news such as: treasury bills, government bonds, exchange rates and statistics. View Site »

Barclays

As one of the leading banks in the UK, they have a presence in over 1,500 locations throughout the country. If you want to find out where your nearest branch is, use their online branch locator where you simply type in your postcode to view the results. You can even be more specific and search for branches that are open on Saturdays or one where they have a resident mortgage adviser. View Site »

 

Lloyds Bank

Find the address, telephone number, opening times, sort code and other facilities of each branch of Lloyds Bank in just a few clicks. Or alternatively, search for Lloyds Bank cashpoints if you need to withdraw money from your account. It’s a no fuss way to get the details you need. View Site »

Santander With well over 1,000 branches across the UK, this Spanish bank certainly has a large presence on our high streets. If you want to know where the closest one is to you, just type in your post code and it will present a map with one or more branches shown on it. View Site »

HSBC

HSBC are another popular high street bank that can be found in over 1,000 locations up and down the country. Use their online search facility to track down the closest branch wherever you happen to be in the country. Looking for a premier branch or need disable access? No problem; you can choose to only see branches that match these or other conditions. View Site »

Co-operative Bank

If you like your bank to care for the local community and the environment, then the Co-operative might be the choice for you. They have more than 300 branches dotted across the place and you can find the closest one to you by entering your town or postcode into this search facility. View Site »

Halifax

If you need to find out which is the nearest branch of Halifax then just use their online branch finder. They operate on some 800 high streets in total so there is bound to be one within a reasonable distance of your location. No need to do anything special to find one that is open on a Saturday – they all are! View Site »

TSB Bank

Since the break up of the Lloyds TSB brand, over 600 branches of the TSB Bank have opened up on high streets around the country. They promise to get back to local banking and there branch finder will help you get the address, contact number, opening times, and other details of each location they have. View Site »

Natwest

Natwest is another of the largest UK banks that, with over 1,000 branches and 7 million customers, has been a feature of the British high street since 1970. Locate one near you today and even book an appointment online using their live chat feature. View Site »

Nationwide

By far the largest building society in the UK, Nationwide operate in approximately 700 locations and with their online search, you can work out if there is one near you today. Get all the particulars such as address (with map), phone number, opening hours and disabled access among other things. View Site »

RBS

The Royal Bank of Scotland has in the region of 700 branches in the UK, with many being in Scotland itself. It is quick and easy to find out whether or not there is one near you by using their online branch finder. Just enter a postcode or town and view the results on an interactive map. View Site »

Citibank

With the Citigold current account, you can transfer money seamlessly around the world with fee-free switches to/from your local Citibank accounts and up to 8 fee-free SWIFT payments to other accounts each month too. The account is free if you hold large enough deposits or investments; otherwise there is a monthly fee to be taken into account. View Site »

Lloyds Bank

Get a multi-currency international current account through Lloyds Bank and get debit cards for Sterling, Euro and US Dollar to avoid card charges in these countries. Lloyds will also never charge you for transfers in and out of your account (local banks may charge fees for incoming or outgoing transactions). You will need either a substantial annual income or a large lump sum to be eligible for an account. View Site »

Santander

Earn interest on your offshore current account balance and benefit from a deferred-debit card which means you only pay for transactions on the last day of each month (meaning the money is still working for you until then). Each account can be in one of three currencies so you will have to open multiple accounts if you need to access your money in more than one denomination. View Site »

Standard Bank

With no minimum income requirement, the Optimum offshore current account from Standard Bank is one of the more accessible options (a minimum opening balance is required and the account is only free if this level is maintained). You can also link this to an international savings account with attractive interest rates if you are prepared to give significant notice beforehand. View Site »

Investec

For the best offshore savings accounts, Investec is a serious contender worth looking into. With the ability to open accounts in up to 10 different currencies and competitive rates of interest on their notice and fixed accounts, you can make the most of your international savings without having to go through the foreign exchange process. View Site »

Barclays

Benefit from convenient international banking in Sterling, Euro and US Dollar to help you conduct your personal affairs with ease. Pay a mortgage, withdraw cash, or set up standing orders (restrictions apply) just like you would with a standard bank account. You must maintain a minimum balance across your accounts to keep them open. View Site »

HSBC

As the self-proclaimed “world’s local bank”, HSBC offers a range of offshore banking options with current accounts, savings accounts, mortgages, foreign exchange, and tax planning. You can also link your local HSBC accounts together to make international money transfers easier, and invest your multi-currency deposits in one of their managed funds. View Site »

Natwest

You can get an offshore bank account with Natwest that has zero management fee (based on eligibility criteria) that enables you to enjoy regular banking with an overdraft facility, mobile and online access, and 24/7 telephone support. Their Gold account also offers a concierge service, free travel insurance, certain retailer discounts, and preferential rates on things such as car hire. View Site »

Nationwide

The winner of the 2014 Moneyfacts best offshore account provider title, Nationwide offer a wide array of international savings products in the three main currencies. Interest rates vary depending on the type of account and on the currency being used, but are some of the best available on an offshore account. View Site »

Skipton

This UK building society also has a base in Guernsey from which it provides savings and mortgage products to channel island residents and expats. Speak to their customer service team today to discuss your banking needs and to find out whether they are right for your circumstances. View Site »

Coutts

Probably most famous for being the bank that holds the Queen’s private account, Coutts has a deep association with banking going back around 300 years. They offer a personalised service to their high wealth clients including wealth management and tax advice alongside your more day-to-day needs such as credit cards and insurance. View Site »

Weatherbys

Offering a full range of private banking provisions from sterling and foreign currency current accounts to wealth planning and investment management, Weatherbys tailor their approach to the needs of the individual. With a small, but highly experienced, team of professionals based in the heart of London, you can rest assured that you are in safe hands. View Site »

C. Hoare & Co.

One of the longest established private banks to be found anywhere in the UK, they will work with you to help manage and grow your money and to ensure that you keep hold of as much of it as possible. Based on a philosophy or integrity and social responsibility, the C. Hoare & Co. approach is one that will appeal to many high worth individuals. View Site »

Credit Suisse

A global powerhouse in banking terms, Credit Suisse has assets under management that run into the hundreds of billions of pounds. They view their relationship with customers as a partnership with an aim to meeting their particular needs. They provide banking, lending, investment services, wealth planning and more. View Site »

Brown Shipley It is important to look after the wealth that you have worked hard to build, which is why a bespoke approach is favoured by the experts at Brown Shipley. They listen to your needs and help to design a product offering that best suits these. Included in their private banking services are current accounts and inheritance tax planning. View Site »

BNP Paribas

With a truly global reach and extensive knowledge and understanding of markets, BNP Paribas is in a prime position to manage and nurture your wealth so that it works for you. With myriad solutions depending on your individual preferences, there is every reason to put your faith in this leading industry player. View Site »

Adam & Company

From current accounts and deposit accounts, to mortgages and retirement planning, you can get it all from this private bank with a strong Scottish heritage. With traditional values and an unsurpassed professionalism, there is a raft of reasons to consider Adam & Company for your banking needs. They are part of the Royal Bank of Scotland Group. View Site »

Arbuthnot Latham

Providing the standard banking services that one would expect, alongside their investment and financial planning teams, Arbuthnot Latham has a strong track record going back over 180 years. Team up with your own private banker to enjoy a worry free experience in the hands of a responsibly managed banking group. View Site »

Duncan Lawrie

The small, but highly proficient, team of individuals will be able to provide the vast majority of private banking products you might need. Whether you want to secure the long term future of your estate, or put your money to good use with some shrewd investment advice, Duncan Lawrie is a company with strong credentials. View Site »

EFG

With a wide spectrum of banking services on offer to their customers, EFG Private Bank is there to meet all of your needs. Whether you are looking for tax efficient methods to invest your money or someone to manage a trust, speak to one of their knowledgeable client relationships officers today to see if they can help. View Site »

Shares Magazine

This publication offers easily accessible information on the investment market in plain English. It is easy to refer to and covers topics which influence your investment decisions. Check back here for the day's top stories and results, plus comment from the Shares team. View Site »

Shareview

A service from Lloyds TSB Registrars that enables you to check your holdings in many UK companies and helps you to organise your investments electronically. Send your proxy instructions online for shareholder meetings. Includes an online dealing service, details of employee schemes and the facility to apply online for employee share plans. View Site »

NatWest

Outlines various accounts, savings options, credit cards, personal loans, stakeholder pensions, mortgages, and a variety of investment products and gives you the chance to apply for these online. Insurance for your home, travel, car, life and special student and graduate insurance. Personal, business and private banking. Online banking and online share dealing. View Site »

Interactive Investor

One of the UK's leading online investment websites where you can set up a free portfolio to track chart and monitor your investment. In addition you can use the site to buy financial products online such as funds, ISAs, shares and personal finance products. And you can even transfer your existing PEPs, ISAs and shares to the site so you can manage them all from one place. View Site »

About Your Money

A guide to UK personal finance and investing. It provides information, advice, comparison tools, applications and directories on a wide range of financial subjects to enable you to make informed decisions. Areas covered include credit cards, personal loans, mortgages, insurance, savings, spread betting, online trading and utilities. View Site »

ETX Capital

Trade to win at this clear and easy to use financial spread betting website. Bet on the price movement of stocks, bonds, currencies and more. Featuring a "test before you invest" tool and the latest market news. Take the site tour to get started. Register as a player for virtual trading or as an investor to trade with real funds.  View Site »

IWeb

This execution-only online stockbroker allows you to trade in seven of the world's largest international markets through a single sterling denominated account. UK and overseas trades are charged at a flat fee commission. You can base your trading decisions on news, market information and stock quotes from leading providers including AFX and Reuters. View Site »

EO

EO is an online financial services company which offers private investors privileged access to the world of new share issues. Register first as member and you will then be able to read about investment opportunities as they become available, apply for shares online and access news and comment on companies through the EOnews service. View Site »

Redmayne Bentley

In 1875 John Redmayne bought a desk, a coal shovel and a few other essentials to begin his own business dealing on the Leeds Stock exchange. Today, whilst using new technology to keep pace with the changing market they still hold on to the traditional values and offer the close personal service John Redmayne applied to his business back in 1875. View Site »

BBC Your Money

The BBC's business page provides loads of market information and data updated every minute, bonds, currencies, gilts, interest rates and more. Find out the latest economic news, reviews and articles in depth. Check out the talking points to have your say. View Site »

ClearFX - Global Money Transfers

ClearFX makes transferring funds internationally a safe, secure and easy experience. Our established processes are easy to understand and our best rate guarantee and no-fees-policy will save our clients money. ClearFX provides a range of currency tools and services, from live rate tracking to setting up and managing regular payments. Whether you are moving internationally or conducting business around the world, ClearFX has the resources to make your global money transfers easy.  View Site »

Cayman Islands Stock Exchange (CSX)

The CSX was originally set up to provide a listing facility for the specialist products of the Cayman Islands: namely offshore mutual funds and specialist debt securities. More recently, the facility has been expanded to include global depositary receipts and derivative warrants. Visit their site for information, news, documentation, listed issuers and links. View Site »

FTSE

An index calculation specialist. FTSE devise and calculate indices recognised throughout the world for their accurate reflection of investable markets and the transparency of their construction and management. A wide range of data products and historical data is available, as well as licences to issue products based on the indices. View Site »

Tokyo Stock Exchange (TSE)

Maintains markets for securities and related futures and options, and secures the fair and smooth trading of securities. Browse their site for general information about TSE, event news, publications and materials. Also provides new listings and a listed company search engine, and introductions to their Equities & Bonds, Futures & Options products, and Indices. View Site »

Chicago Stock Exchange (CHX)

Founded May 15, 1882 and is the second most active stock exchange in terms of share and trade volume. Learn more about The Chicago Stock Exchange by viewing their video presentations, search listed companies; learn about the membership market and search OTC issues. View Site »

Berlin Stock Exchange (BSE)

The BSE has in recent years become a special market for foreign securities. The investor can choose from a wide range of internationally known companies. Next to the still dominating American papers the Berlin Exchange location has established a profile as the main emporium for east European securities. View Site »

CREST

The real time settlement system for UK and International shares, UK government bonds and other corporate securities. CREST press releases are reproduced on this website and in the news archive. See also their technical bulletins for more detailed and regular information. View Site »

London Metal Exchange (LME)

The world's premier non-ferrous metals market, with highly liquid contracts. Obtain a general view of the market in terms of prices, stock levels and traded volumes. Also, visit the site to access historical press releases, member notices, articles from past copies of The Ringsider, speeches, company news and much more. View Site »

Bolsa de Madrid

The governing body of Spain's stock exchange in Madrid. Providing the latest equity prices and market indices, information, statistics and news about the Spanish stock exchange. Helpful advice on how to invest in stocks and details on educational courses, seminars and conferences. View Site »

Deutsche Borser Group (DBG)

Provides access to capital markets for companies and investors. Use their search functions to find a share price or other information on their website. Here you will also find prices and indices, other current and historical market data as well as background information about indices and statistics. View Site »

 Broadband Choices Compare over 100 UK broadband packages to find the best deal to fit your internet needs. On this site you can check your postcode and telephone number to determine broadband availability and then find the package details and prices of the broadband providers that operate in your area. Sign up online and register to receive broadband deal email alerts. View Site »

Energylinx This independent energy comparison website allows you to find the cheapest deal on your gas and electricity within 90 seconds. You can compare utility providers by price, best long term fixed deal, green credentials, and customer rating. If you know what you are currently paying, enter this when searching and you’ll be able to see just how big the savings could be. View Site »

Cable UK Compare TV packages from satellite, cable and digital services (e.g. FreeSat) to see the number of channels, HD offerings, recording capacity, exclusive content, and the overall cost for each. See if there are cheaper deals to be had if you combine phone and broadband or just opt for TV separately to get everything you desire. View Site »

WhistleOut Find a mobile tariff to suit your usage by comparing all of them in one place. With their easy customisation feature, just select how many minutes, texts and data you want and WhistleOut will show you matching deals with the cheapest first. You can, if you like, add a handset to the search but this is optional so if you just want to switch to a cheaper PAYG deal or contract, you can do so here. View Site »

Utility Exchange Save your business hundreds of pounds a year by comparing energy deals and switching to the cheapest. Just enter a few details and choose either gas, electricity or dual fuel and Utility Exchange will search all available rates and tariffs to find you the best deal. Improve your bottom line without any hassle by switching your business energy today. View Site »

Landlinesaver See if you can save money on your landline and broadband package by comparing the rest of the offers on the market and switching to a cheaper deal. LandlineSaver make this a simple process; just enter your postcode and hit search and you’ll see the companies who serve your area. You can use the sliders to refine your choice if, for example, you want free weekend calls or unlimited data download on your broadband. View Site »

Utility Warehouse A utility provider with a difference as you can get your gas, electricity, mobile phone, landline and broadband all on just one bill. Joining the "Club" as they like to call it can save you hundreds of pounds a year and they come highly recommended by current customers (93% said they’d recommend a friend). They offer a double the difference price promise, win awards for their customer service and offer vouchers for introducing friends. View Site »

The Eco Experts

If you want to become an energy generator in your own right and stop paying the big utility companies for heating and lighting, you could always see if installing renewable energy in your home is a viable option. On this site you can get great deals of solar panels, heat pumps and biomass boilers along with information about feed-in tariffs and government grants that could both reduce the cost of a system and earn you money back from selling excess energy to the grid. View Site »

Money Saving Expert Cheap Energy Club

Keeping an eye on energy tariffs is something we all know we should do, but it is sometimes a struggle to find the time with everything else that life throws at you. Fortunately, Martin Lewis of MoneySavingExpert.com came up with an idea to create an energy club. What this does is help you switch to the cheapest deal initially, and then continually monitor the market and compare what you’re on to anything that might be cheaper. If you could switch and save, you’ll receive an alert about the deal View Site »

Simply Switch

Another price comparison website that allows you to compare energy tariffs and switch to the cheapest one completely hassle free. You could save as much as £300 a year by moving supplier and you can also see where the best fixed deals are in the market if you want to avoid any price rises in the near future. View Site »

American Express

Offering a huge variety of credit and charge cards, they have something for everyone. Simply browse their selection and then choose the one most suitable to your needs and apply online. From cashback and reward cards to their exclusive Platinum Card which gives you a plethora of benefits around the world, American Express are a leading figure in card services. View Site »

Love Money

This site provides the easiest way to compare the majority of credit card offers out there. Simply choose the features you’d like in a card such as 0% on purchases or zero fees on use abroad, and it will automatically filter out those that don’t match, leaving you with only those that meet all of your requirements. It’s super quick and easy to find the card that’s right for you. View Site »

Barclaycard

With a range of credit cards suitable for most people, whether you want one of the longest 0% balance transfer offers in the UK or a card where you can collect points and exchange them for high street vouchers, Barclaycard should be able to help. Accounts can be managed online, over the phone or even using their simple mobile app. View Site »

Aqua Card

If your credit report has a few black marks against it for any reason, it makes getting accepted for a credit card all the more difficult; you may not meet the criteria for many of the big companies. But the Aqua Card could help you because they always try to say yes even when someone has bad credit. You can get a card with a manageable limit so that you can start to build up your credit rating once more. View Site »

Tesco Credit Card

If you are a regular shopper in the UK’s biggest supermarket then you might want to consider getting a credit card with them too. Not only can you find long balance transfer offers and zero percent on purchases, you could earn significantly more Clubcard points when shopping which can then be redeemed at the checkout another time. As they say, every little helps. View Site »

MBNA

One of the world's largest independent credit card lenders offering a range of credit card products that are designed to meet your financial needs. Take a look at the features of each credit card on offer and then apply online. You can also access your account online, find out how to transfer funds from your credit card into your current account and get Chip and PIN information. View Site »

3V

If you don't have a credit card or don't want to shop online using yours for fear of card fraud, you can buy online on any website worldwide wherever VISA is accepted by using 3V vouchers. These are virtual VISA numbers that can be used on practically all internet retailers and can be topped up using vouchers bought on the high street. View Site »

Partnership Card

If you shop in either John Lewis or Waitrose on a regular basis then you’ll want to get yourself a partnership card. Use this card for all your purchases, wherever they may be, and you’ll be able to earn points that are redeemable for vouchers to use in store. Don’t delay, get money off your shopping when you use a partnership card today. View Site »

Orange Cash

You can get mobile credit for any Orange pay as you go phone with one of their easy to use prepaid credit cards. Top up your card much like you’d top up your phone and then spend it wherever you see the Mastercard logo. Earn 1 point per £1 spent and convert your points into minutes, texts or standard credit. View Site »

Vanquis

Specialising in credit cards for people with bad credit, Vanquis could help you if you’ve been turned down elsewhere. You start with a small, but manageable credit limit and then this could be gradually increased when you show that you can make payments. So whatever your credit rating looks like, consider applying for a Vanquis card today. View Site »

https://www.gov.uk/universal-credit/overview
https://www.citizensadvice.org.uk/benefits/universal-credit/before-you-apply/what-you-could-get/
https://benefits-calculator.turn2us.org.uk/AboutYou

Universal Credit- What To Expect per Month With your current Benefits.
job Seekers Allowance Monthly Amount:
Age 18 To 24  Up to £231.60
Age 25 & over Up to £292.40
Employment Support allowance Monthly Amount:
Age 18 To 24  Up to £231.60
Age 25 & over Up to £292.40
Housing Benefit Amount Depends Where You currently Live.
Personel Independent Payment Component (IF APLICABLE) Per Monthly:
Daily Living-Standard Rate £220.40 Per Month
Daily Living-Enhanced Rate £329.20 Per Month
Mobility-Standard Rate     £087.20 Per Month
Mobility-Enhanced Rate     £229.80 Per Month
Housing Benefit Plus Current Benefit (Plus PIP IF APLICABLE) Is Your Universal credit Amount Per Month.
Please Note That Universal Credit Is Paid Monthly In Arrears.
Universal Credit is a single monthly payment for people in or out of work.

It replaces some of the benefits and tax credits that you might be getting now:

Income-based Jobseeker’s Allowance
Income-related Employment and Support Allowance
Income Support
Child Tax Credit
Working Tax Credit
Housing Benefit.
You may be invited to claim Universal Credit if you live in England, Scotland or Wales.
Universal Credit is due to be introduced in Northern Ireland in September 2017.
Support while waiting for benefit payments https://www.moneyadviceservice.org.uk/en/articles/support-while-waiting-for-benefit-payments

If you’re entitled to claim Universal Credit, you are expected to make your claim online on the Apply for Universal Credit website https://www.gov.uk/apply-universal-credit
You can find a list of the information you’ll need to provide before you start your claim on Making a Universal Credit claim. https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/322236/making-a-universal-credit-claim.pdf
Did you know? If you need help getting online your Jobcentre or local council can provide support. Find out where to get support on UK Online. http://www.ukonlinecentres.com/about-us/centre-search
Find out about benefit changes https://www.luton.gov.uk/Benefits/benefit-changes/Pages/Find-out-about-benefit-changes.aspx

The Universal Credit Calculator will show your entitlement to Universal Credit, and other benefits that you may be able to claim, whether in or out of work.
https://universal-benefit-calculator.co.uk/universalcredit
Welfare rights advisors http://policyinpractice.co.uk/outcome-based-software/universal-benefit-calculator_/

 

CAB Budget Tool
https://www.citizensadvice.org.uk/debt-and-money/budgeting/budgeting/work-out-your-budget/budgeting-tool/
atm http://www.link.co.uk/atm-locator/
http://www.link.co.uk/

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