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...
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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...
What are the normal tax refund processing times? The time it takes is highly affected by how busy HMRC are when the claim is submitted but in most cases a refund will be issued within 8-12 weeks of receiving your application. There are several reasons why you may be...
Many of the people here in the office at Swift have close family and relatives who are currently serving in the armed forces or are veterans; so the decision to sign up to the armed forces covenant was an easy one to make for us. We see this as...
Teaching is a very rewarding while also an extremely demanding vocation, and our teachers are vital in the development of the next and future generations. So, when we found out that one in five teachers are using their own money to buy teaching resources once a week, we were...