Who can claim & what you can get
Universal credit is a controversial new benefit designed to simplify the welfare system. It combines six benefits into one single payment, but the roll-out has been plagued by delays to payments, which have left tens of thousands of vulnerable people in rental arrears and some even dependent on food banks, according to new research.
Best Children's Savings
Teach your kids to save at up to 4.5% interest
Children can earn up to 4.5% in the top savings accounts – yet many have cash in accounts paying dismal amounts, depriving them of interest and the lesson that your money can work for you. This is a guide to the top-paying children's accounts, including how to use their tax-free allowance for your gain.
Cut childcare costs by £1,000/year
Many parents can save £100s a year using childcare vouchers, which allow you to pay for childcare from your PRE-TAX salary. The scheme closed for new applicants on 4 Oct, but if you were signed up before then, you can still use them, so we've left this guide as it was. As long as you're with the same employer, and it still offers them, you can continue to get childcare vouchers
Child Trust Funds
Should you switch to a junior ISA?
Child Trust Funds (CTFs) are defunct tax-free savings products, but the six million original accounts can be converted into more competitive junior ISAs – and the first children eligible for the funds are now old enough to manage their account themselves.
How to claim child tax credit and working tax credits, renew or appeal
Tax credits can mean a payout, potentially in the £1,000s, even after recent cuts. Unlike many other benefits, you MUST renew them each year. Most people will now have to claim universal credit, but some can still make new tax credit claims.
100+ things to do with the kids
Cheap days out and ideas to entertain the kids during the holidays
Although it may feel as though the kids have only just gone back to school after the summer holidays, the autumn half-term is upon us. There’s no need to break the bank though, our guide is jam-packed with free and cheap activities to keep the little ones entertained, plus deals and tricks for cheap family days out.
Can you take kids on term-time holidays without being fined?
A dad who took his daughter out of school to go on holiday, then refused to pay the fine, has lost a long-running battle against the system. Each year 10,000s of parents are fined £60, yet with the cost of going away rocketing during school holidays, it's no wonder many are tempted. Here's the latest on what you can and can't do.