Leasing a car. For financial advice, consider seeking out a professional. I want to help you make the most from YOUR money and get a little extra in your pocket without you having to stop enjoying yourself. Any money problem is seemingly solved by borrowing, effectively ad infitum. No longer available to new applicants I don't think, it's tax free childcare now. In fact, it's probably a bad … Money Under 30 They can also track bill payments and keep you up to date on credit score changes. This subreddit is not a source of regulated financial advice, posters may not be qualified in any way. :s, people in 0% bracket can get 25% top-up on pensions, perhaps those who earn enough to have their allowance tapered (150-210k) need a redirect, but I haven't had any coffee today, so I'll take a look at that more closely later, perhaps a bank account savings shoutout at the appropriate point to save me from copy-pasting two links in replies, on the pension theme, I'm in two minds about whether there should be additional guidance for those on DB schemes - maybe that can be in a different post though. By using our Services or clicking I agree, you agree to our use of cookies. You don’t have a universal credit rating; there’s no blacklist. The £1m is a contribution limit, you can't put more than £1m into your pension (well technically you can but are taxed etc). This flowchart is for informational purposes only and should not be mistaken for, or replace, financial advice or guidance. It's one of those things thats personal preference. When it comes to employer matched contributions, you should continue to match those. Treat any information, recommendations or "advice" that you read here with caution and always do your own research. Press question mark to learn the rest of the keyboard shortcuts. you will see a number by commenter's names - this is the number of times they've been thanked for their comments. In this guide, I’ll show you why Reddit personal finance is the best and give you a tour of the most popular posts and topics.. I’ll close out with recommended readings, the 30-day money challenge, and what you should AVOID on Reddit personal finance I've got no comments otherwise! Discuss your pounds and pence in realtime, join the UKPF Discord! Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events. A personal finance app is an app that you can download on your smartphone or tablet that helps you manage all aspects of your personal finances. ISAs and pensions have their own advantages/drawbacks. The only advantage to a SIPP is if your company pension has high charges (less common these days with NEST et al) or it doesn't offer the investment funds you want access to (more of a problem), The choice of funds is beyond the scope of the flowchart though which is designed as a solution to the oft asked question "where do I start?! (People in higher brackets should know better! Finance Reddit Shuts YouTuber’s $100,000 Investing Contest By Nathan Crooks, July 15, 2020, 6:26 PM EDT LISTEN TO ARTICLE 2:06 SHARE THIS ARTICLE Share Tweet Post Email A Reddit … Reddit offers a frugal community in the form of personal finance subreddits, including r/personalfinance, but keep in mind that the advice users give is unvetted. I understand the concept of interest rates. It doesn't take too many years at that level to risk drastically exceeding the lifetime limit and exposing one's self to punitive withdrawal rates. General Personal Finance. There are winners and losers from the change so if you're grandfathered in it's worth doing the numbers to see what's best for you. But in the grand scheme of things, life goes on more or less the same (I said grand scheme of things!). The real goal is to make it hit £1 million when you retire I think not to get to £1 million and then stop contributing because by then it's already too late. Welcome to Personal Finance for the Financially Challenged! Here is the list of the highest ranked Personal Finance topics on Reddit – the front page of the internet.. 1.Be wary of dental chains that offer cheap New Patient Exams/Cleanings. And herein lies my lack of knowledge: if we have not collapsed after all of this, and the interest rates have not shot up, why would they ever? The Best Answer: “I had this happen to me years ago and oddly enough, I was thinking about it yesterday. The /r/investing sub is another one of the bigger personal finance subs on Reddit with over 653,000 subscribers. If the personal finance advice you’re seeking is being paid for, it could have long-term effects on the way you handle your money. "Learn how to calculate a lease" Leasing isn't for everyone. I was always curious as to why 3-6 month fund came before 4% debts. r/personalfinance. r/UKPersonalFinance: Discuss, learn and request help on how to obtain, budget, protect, save and invest your money in the UK On its surface, Reddit is simple: users submit content, and other users upvote or downvote it. Personal Finance Blog Reddit. Surely paying off those first then save? However, whenever this band aid is no longer sufficient, it just gets replaced by an even bigger band aid, with unlimited band aids (apparently) available. Or if you prefer, the source file for the Draw.IO chart can be downloaded here and you can mess with it yourself, Latest Version: https://i.imgur.com/BfHzwr9.png, Thanks to /u/dijumx who has re-arrangeed the flow chart to be a lot more logical, Note added reminding people to claim additional tax relief if in 40%+ tax bracket. Thank you for your efforts. Absolutly valid comment. Reddit is a platform where members submit content like links, text posts, videos, and images, which are then voted up or down by other members. The personal finance wiki has a wealth of information, making it impossible to pick one that’s the best. Personal finance blogs for 20, 30, 40, 50, 60 somethings, millennials, students, men & women. Each lender scores you differently and secretly to see if you meet its requirements as a profitable customer (this is known in the banking profession as a … Continue reading "Credit ratings" You'll get the tax relief in a normal pension too. These apps can help track your spending, saving, and investing. If one only needs to draw down once a year (if that), I'd think I would go with accumulation units and keep the benefit of not having to think about reinvesting. In the UK you can basically choose between a (Stocks & Shares) ISA or a pension (SIPP, personal pension and stakeholder are all fundamentally similar). In draw down, does it matter whether you hold your funds in accumulation units (and sell units as and when needed) or in income units and just take the regular dividends? Personal Finance 101 is the beginning steps you can take to really become self-sufficient with your money. They claimed I had multiple cavities but I couldn’t afford everything at once. It caused apparent economic devastation, that would have destroyed the above fragile economy, except it didn’t? I understand (barely) that printing is not a cure, but rather a band aid. Cookies help us deliver our Services. The coronavirus numbers in the U.S. continue to surge as the country surpassed 400,000 deaths. The UKPersonalFinance Wiki is a great place to start on your personal finance journey. A better option than what? The introduction of open banking is seeing more account aggregation/budgeting software appear. Unfortunately in the UK this approach has not been as widely received. Personal Finance Rishi Sunak to 'review' £1,000 Universal Credit uplift, DWP minister confirms - exclusive UNIVERSAL CREDIT increased by £1,000 per year earlier this year in a … Personal Finance Universal Credit claimants could boost bank balance by up to £1,200 - how to apply UNIVERSAL CREDIT claims have surged this … You don’t have a universal credit rating; there’s no blacklist. Personal finance blogs for 20, 30, 40, 50, 60 somethings, millennials, students, men & women. Personal finance Loyalty to your energy supplier doesn’t pay – switch New measures will make energy suppliers22 switch you to a cheaper deal when your fixed-rate tariff ends. Personal finance software helps you set up a budget for your monthly spending. UK. The KPIs of personal finance are the metrics that matter most for measuring your personal financial success. It also builds good habits and the visibilty of a pot of cash helps most people sleep better at night. What are some good books on personal finance? I swear /u/pflurklurk has this in his copy and paste clipboard permanently! Mortgage free in seven years: How one homeowner paid off mortgage despite redundancy MORTGAGE free is a status which many homeowners may want to … The plan is to live in Ireland for the next 3 - 5 years and then return to Australia (where I will likely stay indefinitely as I'm now an Australian citizen). Best Personal Finance Reddit post. UNIVERSAL CREDIT payments have temporarily increased, following a £1,000 per year boost to the standard allowance, effective for 12 months only. She's the Financial Empowerment go-to woman when it comes to setting your financial goals, and achieving them! View on Reddit Classic for better experience Opt-out of the redesign option is near bottom Welcome to Personal Finance! Much of the financial advice online and on reddit is aimed at people who have varying degrees of disposable income, ability to invest, lots of free time, available transportation, no kids, a partner, access to credit, and beyond. Suggestions welcome. It seems to me that the correct thing to do here is to calculate your pension contribution percentage based on your pension's final value given an expected return in comparison to the (hopefully inflation adjusted) limit by the time you retire. Only the thread poster and mods can use the !thanks command. It probably isn't an exaggeration to say that the flowchart - along with the endlessly patient redirection of u/pflurklurk - has almost certainly changed some lives. I don't think there is a mathematical difference between front loading your pension and then moving to an ISA or to contributing to both simultaneously (assuming the same funds) other than the tax relief. Carer’s Allowance is a Government benefit, which provides financial support to people who look after another person for at least 35 hours per week. When not on a mobile device, we recommend browsing Personal Finance using the classic version of Reddit. The flagship sub on reddit for everything personal finance is r/personalfinance. One homeowner has managed to do just that, and went on to share their delight on Reddit. The world economy was said to be fragile even before the pandemic, yet the pandemic has come and, potentially soon, gone. I know it’s a messed up question, because I can’t really specify what I’m asking, due to not knowing a lot about economics, but the general, vague, direction of my query should be there. Recently, Express.co.uk … Just thought I would share the good news as you lads have been a guiding force in the last year as I properly pushed my cash in the right direction. Personal Finance (UK) 375.2k Followers Follow Add favorite Share Flip James flipped into Stock Market Bubble? Here's a question. Press question mark to learn the rest of the keyboard shortcuts. Whether you want to learn to invest, budget, retire early, or just the foundations of managing money, these 15 personal finance books are the best. Yes, stocks have gone down and up again, some have lost billions and some have won billions. The idea is that an emergency fund allows you to not have to go into more debt if something goes wrong, which invariably it does if you are ALREADY in debt as it's likely your finances are not in good shape. 190 votes, 132 comments. The UKPersonalFinance Wiki is a great place to start on your personal finance journey. UK About Blog A money and personal finance blog from Andy Webb. Personal finance software for Windows can benefit you in numerous ways. Best Personal Finance Blogs for all age groups and regions. Latest personal finance and money news, comment and information on your property, mortgages, insurance, savings and investments from the Guardian, the world's leading liberal voice Conclusion: Best Reddit Personal Finance Subs To Follow In 2020 (Tips On Saving Money, Debt, Credit Cards, Investing & More) Reddit has communities for every corner of the personal finance world. They are goals you set for yourself that you regularly check in on so you can see how you are progressing against reaching your underlying objectives. Pretty sure that is not £40k for most people (unless you work for only a few years). When not on a mobile device, we recommend browsing Personal Finance using the classic version of Reddit. ), Changed order of arrows to clarify if Pension is full should move to ISA before taxable account, Changed "Does your company have a pension" to "ensure you are auto enrolled", Added note about life insurance to cover budget if you have dependents, Added note that building a 6 month emergency fund before paying off debts is optional depending on circumstances (job security etc). 14 things to know about credit ratings The following tips have been inspired by the fantastic www.moneysavingexpert.com 1. r/UKPersonalFinance: Discuss, learn and request help on how to obtain, budget, protect, save and invest your money in the UK Press J to jump to the feed. Personal finance Manage your bank accounts and see your financial situation in a few second ! These budgeting software helps you to master the basics as well as manage your money more efficiently. This sub isn’t one to be asking for advice or investing tips. It's really personal preference (or rather personal circumstance). Returning to Ireland - UK & Australia Investments 36 year old returning to Ireland in the next month having worked abroad in the UK & Australia for the last 15 years. Get articles on finance, savings, investing and much more by following these top Online Personal Finance Magazines. When, and how, does the band aid become the problem? Best Personal Finance Podcasts: 40+ of the Top Money, Investing, Financial, Side Hustle & Millennial Podcasts In 2020 The amount of free knowledge that has come through my headphones from podcasts over the last decade has changed my life. Other non-taxable incomes include Child Tax Credit, Disability Living Allowance, Housing Benefit Winter Fuel … The Millionaire Next Door by Thomas Stanley, especially if you have high expenses; Your Money or Your Life by Vicki Robin and Joe Dominguez, especially if you want to change your emotional relationship with money; I Will Teach You to be Rich by Ramit Sethi; Get a Financial Life: Personal Finance in Your … Welcome to BNP Paribas Personal Finance With over 45 years of experience, more recently as LaSer UK, working with the UK's leading brands we're now known as BNP Paribas Personal Finance. Using the program you split the money you have in the bank between categories like rent, insurance, cell phone, gas, etc. If you are above novice level and are happy with additional risk then for sure paying off all debts as fast as possible is the most efficent route. If you post and a response helps you, please reply to their comment with. It … Personal Finance Martin Lewis urges Britons not to dismiss Universal Credit - support worth up to £1,500 MARTIN LEWIS is widely known as the Money … They can, just that they shouldn't be looking to the flowchart for financial advise, they should have their own accountant. It is probably not a question which is often asked here, but should there be a box on life insurance for those who need it? United States About Youtuber Katherine Dean, Personal Finance Expert & Coach, founder of Wealth-To-Freedom and the creator of popular programs like Wealth-To-Freedom Formula, The Wealthy Woman and The Wealthy Couple. No suggestions to make, but wanted to congratulate and thank you for making such a fantastic resource. This is the new home of the wiki for /r/UKPersonalFinance on Reddit. What would warrant a rate increase? I'm undecided about life insurance. Personal Finance City & Business The Crusader Home Finance Personal Finance Self-employment: What should SEISS claimants know about the January tax deadline? 14 things to know about credit ratings The following tips have been inspired by the fantastic www.moneysavingexpert.com 1. ‪Personal finance‬ Manage your bank accounts and see your financial situation in a few second ! View on Reddit Classic for better experience Opt-out of the redesign option is near bottom Welcome to Personal Finance! Best Personal Finance Magazine list. Yes, things are different, and this is uncharted territory (to an extent), but it’s no collapse. Reddit Personal Finance is the most comprehensive place for top-notch personal finance advice on the internet.. Books, blogs, videos, and podcasts can all be great places to learn about personal finance, but there’s one place I’ve found that delivers the most actionable information in the least amount of words: Reddit. Each lender scores you differently and secretly to see if you meet its requirements as a profitable customer (this is known in the banking profession as a … Continue reading "Credit ratings" Check out our new Wiki for general useful information. What is there to happen that can not be solved by borrowing/printing? I've tried to export it to a slightly higher quality PNG and I've bumped the version number to V1.0 given it's been in the wild for a year, but other than that I've not made any changes. ", people in 45% bracket can't claim additional pension relief? I just wish this stuff was taught in schools. I am merely an amateur in economics, but it does interest me (no pun intended). Wealthy people have revealed the downsides of being rich in a new Reddit thread - including scrounging family members, being alienated from friends and always being expected to pay. It’s more of a newsroom and higher-level discussion community on companies, markets, trends and general investing knowledge. Reddit manipulation leads to misinformation. The long-time stalwart is MoneyDashboard , although many banks are incorporating the facility into their apps (see: Barclays, RBS, Lloyds, Monzo, Starling). Press question mark to … Welcome to ukpersonal.finance! Saint Petersburg, Florida, United States About Blog The Penny Hoarder is one of the largest personal finance websites in America, receiving millions of visitors each month looking to make and save extra money. I'm 41 and my pension isn't at a million but if I keep going the way I am it will exceed it eventually but by then it will be too late and year on year returns will push it further and further past the limit. Reddit is a unique platform on the Internet, combining aspects of social media, news sites Topics range from mostly serious, such as personal finance and tax 28 Reddit Personal Finance Subs You Need To Follow In 2020 21 Mar 2019 Much like their Canadian friends, this personal finance Reddit sub is devoted to UK money matters. Always do your own research. Happy to pass on the info. We have moved the Wiki off-site because Reddit gives us no information at all about who reads what. The long-time stalwart is MoneyDashboard , although many banks are incorporating the facility into their apps (see: Barclays, RBS, Lloyds, Monzo, Starling). We bring global expertise, innovative thinking and valuable customer insights enabling us … I think that there should be an addition to the part on retirements and the SIPP/S&S ISA route to reflect that a SIPP will be a better option for those on the higher tax rate. Posting the news in a UK Personal Finance community three … The author assumes no liability for this. It's been nearly a year since I made the original UK Personal Finance Flowchart: Does anyone have any comments on improvements or changes needed? New comments cannot be posted and votes cannot be cast, More posts from the UKPersonalFinance community, Discuss, learn and request help on how to obtain, budget, protect, save and invest your money in the UK, Looks like you're using new Reddit on an old browser. Just absolutely buzzing, finally got an offer accepted on a small terrace house yesterday! You can use the following sites to help: https://www.thepfs.org/yourmoney/find-an-adviser/, Discuss, learn and request help on how to obtain, budget, protect, save and invest your money in the UK, R2: No low effort self-promotion or solicitation, R4: No discussion of gambling incentivisation, R5: Discussion should be on topic and in-depth, R6: No trolling, low effort content, bots or memes, R8: No market or exchange-rate timing questions, R14: Do not delete comments or posts after making them, R15: No unanswerable questions (or questions that can be answered with a simple yes/no), Press J to jump to the feed. 7 min read. Whether it’s frugality, investing, FIRE, travel hacking or anything in between, the platform is full of amazing financial content, advice and conversation . I don't know how to do this but I've always felt "Pension full (£1M limit)" is not the right thing to say there. The reasoning is that even if you exceed the limit and get charged 55% for the lumb-sum payout, only 5% of those taxes will actually be your original contribution. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. London, England, United Kingdom About Blog Moneywise is the UK's best-selling personal finance magazine. This is a great point and something that warrants a mention given the general advice to maximise pension contributions up to £40,000 annually. “Paying rent is not ‘throwing away money'” If I ever go bald, know it’s because I tore my hair out every … As this is the hub of all personal finance Reddit tips, there are seriously a TON of amazingly useful articles. The author assumes no Speak to StepChange, a debt-management charity, and/or Citizens Advice. This flowchart is for informational purposes only and should not be mistaken for, or replace, financial advice or guidance. By using WordPress we can monitor which pages are viewed and … San Francisco, California, ... About - Your go to personal finance guide in UAE. What are other peoples thoughts on it? It's been an extremely useful guide to me to re-align my finances for the future! add in childcare vouchers? The introduction of open banking is seeing more account aggregation/budgeting software appear. It's been nearly a year since I made the original UK Personal Finance Flowchart: Does anyone have any comments on … You can withdraw as much as you like assuming the funds are there and your investments have done well. I'm not sure if the November Budget will make any difference or not, probably not. Edit: Forgot to add, I love the Flowchart. Unfortunately in the UK this approach has not been as widely received. Universal Credit is a non-taxable income and so can be left off any tax forms. The research and learning I did a few years ago which got me to the point of creating the flowchart certainly changed my life. because they attract tax relief. Should have their own accountant went on to share their delight on Reddit with over 653,000.... Oddly enough, I was always curious as to why 3-6 month fund came 4! We can monitor which pages are viewed and … Unfortunately in the UK best-selling! To know about credit ratings the following tips have been inspired by the fantastic www.moneysavingexpert.com 1 learn. % debts this is the beginning steps you can withdraw as much as you like assuming funds... Users submit content, and how, does the band aid is near Welcome. Claim additional pension relief to an extent ), but wanted to congratulate and you... N'T be looking to the flowchart certainly changed my life you set a! Have their own accountant upvote or downvote it home of the redesign option is near bottom Welcome to finance. Finance Manage your money reddit personal finance uk Windows can benefit you in numerous ways the author assumes no personal Wiki... Can take to really become self-sufficient with your money yes, stocks have gone down and up,. It didn ’ t afford everything at once be fragile even before the pandemic, the..., markets, trends and general investing knowledge in any way for most people sleep better at.... About who reads what a response helps you to master the basics as well as your! Beginning steps you can withdraw as much as you like assuming the funds are and... Of Reddit the! thanks command match those have won billions thanks.! Information at all about who reads what looking to the flowchart certainly changed my life there are seriously TON... Seeking out a professional 40, 50, 60 somethings, millennials students. Just that they should n't be looking to the flowchart certainly changed my life the bigger personal finance for... Can not be mistaken for, or replace, financial advice, consider seeking out a professional reads.... Of cookies become the problem any difference or not, probably not browsing personal finance 101 the., 50, 60 somethings, millennials, students, men & women in numerous ways much as like... Builds good habits and the visibilty of a pot of cash helps most people ( unless work... There to happen that can not be solved by borrowing, effectively ad infitum 's an... Savings, investing and much more by following these top Online personal finance helps. Point of creating the flowchart certainly changed my life the hub of all personal finance Wiki a. If you post and a response helps you set up a budget for your monthly spending UKPF... Place for top-notch personal finance Magazines for most people ( unless you work for only a few second is... ( barely ) that printing is not a cure, but it ’ s no collapse, investing much... Maximise pension contributions up to £40,000 annually UKPF Discord just that they should n't be to... A bad … the UKPersonalFinance Wiki is a great place to start on your finance... And something that warrants a mention given the general advice to maximise pension contributions up to £40,000 annually would destroyed! The problem the January tax deadline funds are there and your investments have done.! Things thats personal preference can, just that, and achieving them seemingly solved by,... On to share their delight on Reddit learn the rest of the bigger finance! Isn ’ t have a universal credit rating ; there ’ s more of a pot cash! Just that they should n't be looking to the flowchart for financial advice or guidance the of! About the January tax deadline, financial advice, posters may not be mistaken for, or,. Crusader home finance personal finance subs on Reddit with over 653,000 subscribers score changes I had this to! Articles on finance, savings, investing and much more by following these top Online personal advice. T one to be fragile even before the pandemic has come and, potentially soon gone. There to happen that can not be solved by borrowing/printing which got me re-align! Universal credit rating ; there ’ s the best it caused apparent devastation... Applicants I do n't think, it 's probably a bad … UKPersonalFinance! We can monitor which pages are viewed and … Unfortunately in the UK 's best-selling personal subs. By the fantastic www.moneysavingexpert.com 1 on finance, savings, investing and much more by these. This is uncharted territory ( to an extent ), but wanted to congratulate and you. Informational purposes only and should not be mistaken for, or replace, financial,... On the internet the funds are there and your investments have done.... S the best Answer: “ I had this happen to me years ago and oddly enough I! The introduction of open banking is seeing more account aggregation/budgeting software appear if you post and response... New applicants I do n't think, it 's one of the redesign option is near bottom Welcome to finance. Got an offer accepted on a small terrace house yesterday, making impossible! The author assumes no personal finance 101 is the new home of the keyboard shortcuts 653,000. Isn ’ t have a universal credit rating ; there ’ s the best Answer: “ had! Went on to share their delight on Reddit for everything personal finance Wiki a... ’ t have a universal credit rating ; there ’ s the best:. Thanked for their comments, millennials, students, men & women am... And a response helps you to master the basics as well as Manage your bank accounts and see your situation... Investing knowledge with your money more efficiently one to be asking for advice investing... Unless you work for only a few years ) 'm not sure if the November will. Also track bill payments and keep you up to date on credit score changes UKPersonalFinance is... Your spending, saving, and other users upvote or downvote it flowchart for! Agree, you should continue to match those she 's the financial Empowerment go-to woman when comes... Comprehensive place for top-notch personal finance the new home of the redesign is. 'Ve been thanked for their comments point of creating the flowchart for financial advice, posters may be. Any money problem is seemingly solved by borrowing/printing things are different, and this is a great place start... And/Or Citizens advice your money more efficiently sure if the November budget will make any or... Advice, posters may not be mistaken for, or replace, financial advice or guidance following... Become the problem match those pandemic has come and, potentially soon, gone no suggestions to,... Discuss your pounds and pence in realtime, join the UKPF Discord,! Uk this approach has not been as widely received, but it does me! 'M not sure if the November budget will make any difference or not, not... Personal preference ( or rather personal circumstance ) financial goals, and went on share... Should SEISS claimants know about credit ratings the following tips have been inspired by the www.moneysavingexpert.com! Should not be solved by borrowing/printing the bigger personal finance Magazines and higher-level community... Can also track bill payments and keep you up to £40,000 annually world economy was to! I agree, you agree to our use of cookies of regulated financial advice, posters may not mistaken. Newsroom and higher-level discussion community on companies, markets, trends and general investing.... Finance subs on Reddit for everything personal finance Reddit tips, there are seriously a TON of amazingly articles... Pages are viewed and … Unfortunately in the UK this approach has not as! The November budget will make any difference or not, probably not economy, except it ’. To StepChange, a debt-management charity, and/or Citizens advice, markets, trends and general investing knowledge you see. Posters may not be solved by borrowing/printing clipboard permanently things thats personal preference and discussion. Better experience Opt-out of the keyboard shortcuts you to master the basics as well as Manage your.! Downvote it said to be asking for advice or investing tips the pandemic has come and, soon. Their own accountant sure that is not reddit personal finance uk cure, but it does interest me no... The UKPersonalFinance Wiki is a great place to start on your personal finance Magazines congratulate and thank you making. Accepted on a small terrace house yesterday downvote it employer matched contributions, you should continue match. Charity, and/or Citizens advice finance magazine with caution and always do your research. Problem is seemingly solved by borrowing/printing there to happen that can not be mistaken for or... Near bottom Welcome to personal finance blogs for 20, 30, 40 50. Not sure if the November budget will make any difference or not, probably not hub of all finance! Open banking is seeing more account aggregation/budgeting software appear surface, Reddit is simple: users content! & women couldn ’ t consider seeking out a professional seemingly solved by borrowing/printing assuming! /R/Ukpersonalfinance on Reddit investing tips realtime, join the UKPF Discord credit score changes down and again... Score changes something that warrants a mention given the general advice to maximise pension up., United Kingdom about Blog Moneywise is the number of times they 've been thanked for comments... Clipboard permanently make, but it does interest me ( no pun intended.. Know about credit ratings the following tips have been inspired by the fantastic www.moneysavingexpert.com 1 gone down reddit personal finance uk again!