Did you know, according to the FCA, 34% of adults in the UK have either no savings or less than £1000 in a savings account? Budgeting and saving doesn’t need to be complicated, the 50-30-20 rule is a straightforward, easy way to manage your money each month, carry on...
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Please be aware Swift Refunds does NOT use deeds of assignment, this information is simply to warn you about the practice. According to Money Box, the number of complaints to HMRC regarding companies claiming tax repayments on their behalf without the person’s knowledge or permission has tripled in...
Temperatures are not the only thing rising in the UK recently, the cost of living is too, with the latest forecast showing that the price cap for energy bills is set to rocket to more than £3,000 in October this year. So, Swift has put together six simple,...
What is a tax code? Your tax code is made up of numbers and letters and helps HMRC determine how much income tax and national insurance you should be paying, therefore, if your tax code is wrong, you could be paying too much tax. You can find your...
Premium bonds are one of the UK’s biggest savings products, with 21.1 million bondholders (nearly a third of the UK population) holding over 113 billion eligible £1 bond numbers between them. Our guide will cover everything you need to know about them and the big question – are premium...
In 2022, on average, we may be paying over £300 more for our household energy bills. So, with National insurance on the rise, and energy prices increasing, how can we keep costs low whilst staying warm? We have put together some top tips on how to save energy...
What is Dry January? Dry January is a national public health campaign ran by British charity, Alcohol Change UK, to “ditch the hangover, reduce the waistline and save some serious money by giving up alcohol for 31 days”. Millions of people now take part every year, even in...
How can I save money for Christmas? We all know Christmas can be expensive and stressful, pressure to please loved ones at Christmas is a major reason why people overspend during the festive season. So, if you are on a tight budget, or just want to...
What is a self assessment tax return? Self assessment is the system by which an individual can declare information to HMRC that HMRC is not aware of, like undeclared income or work expenses that are incurred. The result of a self assessment can be getting a...
How do I claim tax back if my tax code is wrong? If your tax code is wrong on your payslips, you can save tax by calling HMRC and they will adjust your code to pay you back. This code determines the amount of PAYE (Pay As You...