July 9th, 2025 | Andrew Hagger | News

Government plans to ‘nudge’ savers towards becoming investors by changing Cash ISA allowances is being seen as “another outrageous attack on the older generation”.

A major new survey has revealed immense resistance to the Government’s proposed changes to reduce the Cash ISA tax free allowance from £20,000 to as low as £4,000 – which an incredible 97% of Cash ISA savers oppose.

The findings from Hampshire Trust Bank (HTB) come just days ahead of Chancellor Rachel Reeves’ Mansion House speech, when she is expected to announce reforms aimed at encouraging investment in Stocks & Shares ISAs. The bank reveals just 9% of Cash ISA savers would turn to this option.

Giving a voice to Cash ISA savers across the UK, the research highlights deep concerns over retirement security, investment risk and the erosion of long-standing savings products relied upon by millions.

Key insights:

• Virtually all the bank’s Cash ISA savers say reducing the allowance is a bad idea
• 89% say cash-based, tax-free saving is critical to their financial future
• Just 9% would move their savings to a Stocks & Shares ISA
• Over 750 respondents left powerful personal messages pleading to policymakers.

The research paints a strikingly similar picture to concerns recently raised by Martin Lewis, who warned such changes would be ineffective and would frustrate many. Now, hard data from real ISA savers shows the opposition is very real and will be taken very personally.

Stuart Hulme, Managing Director of Savings at HTB, said:

“There’s a misconception that Cash ISA savers will simply become investors in the stock market. Our customers have told us that’s just not true. Cash ISA savers are cautious by nature – many are older, reliant on the interest income to top up their pensions – and can’t afford to gamble with their future.

“Our customers have spoken with clarity and conviction. These aren’t just numbers – they’re people who’ve planned, saved and now feel betrayed. They feel penalised, and as one saver put it, ‘at the age of 80 years old, I am not going to gamble my life savings in stocks and shares’.

“Only 9% of Cash ISA savers said they would switch to a Stocks & Shares ISA, undermining the logic behind the proposed change. Rather than boosting investment, the policy discourages cash savings. Many savers told us they’d respond better to Stocks & Shares incentives over Cash ISA reductions.

“The Treasury thinks this will gently steer savers towards investing – but our customers see it differently. To them, this isn’t a nudge – it’s a shove into uncertainty.”

Respondents expressed anxiety over being pushed into the stock market, facing new tax burdens, or losing access to what many see as a stable savings option in an uncertain economy.

“Ridiculous reduction – lower than ever before”, “For goodness sake, give us an incentive to save” and “Stop taking positive risk averse saving options away from regular and responsible savers”.

The bank’s survey suggests the Government risks failing to boost investment and alienating millions of responsible savers if it proceeds with the reforms.

The bank’s full findings can be found at htb.co.uk/cash-isa-reforms-survey

July 7th, 2025 | Andrew Hagger | News

American Express® Cardmembers can now use their Card to book directly with Wizz Air – and to celebrate, have launched a limited time cashback offer for Cardmembers. From 7 July to 4 August 2025, eligible Cardmembers who spend £150 or more with Wizz Air will receive £15 back. The offer applies to flight bookings made online or via the Wizz Air App, as well as onboard services.

This latest agreement with Wizz Air adds to Amex’s growing base of accepting merchants in the UK and means that Cardmembers can use their Amex Card ® with all major airlines that fly in and out of the country. Wizz Air joins a record number of businesses in the UK that recognise the value of accepting Amex, including every major supermarket chain, high street retailers and hundreds of thousands of small businesses. The agreement also adds to Amex’s widespread travel and transit acceptance across the UK, encompassing every rail company and contactless acceptance with Transport for London.

The offer is available for eligible Amex Cardmembers including American Express ® Preferred Rewards Gold Credit Card, The American Express® Rewards Credit Card, The American Express® Business Gold Card, Amex^® Cashback Card and Amex^® Cashback Everyday Card.*

To redeem the offer, Cardmembers need to make a purchase of £150 or over online or onboard using their Amex Card and they will receive £15 back. The offer is valid once per Cardmember for the first 90,000 Cardmembers. Cardmembers must save the Offer to their Card to be eligible.

When it comes to travelling, airport lounge access, travel insurance and the ability to earn additional Membership Rewards® points are just some of the benefits on offer with American Express. For example, The Platinum Card® offers unlimited access to over 1,400 airport lounges, comprehensive worldwide travel insurance and 2x Membership Rewards points when spending at American Express Travel Online. The Platinum Card representative 694.9% APR variable. Fees apply T&Cs apply.

Terms, conditions and limitations apply. Offer excludes hotel bookings, car hire, airport transfers, and airport parking. www.americanexpress.com/uk/benefits/amex-offers

July 4th, 2025 | Andrew Hagger | News

As the summer travel season approaches, Hodge is sharing five practical tips to help UK holidaymakers keep their finances in check and avoid the all-too-common trap of overspending abroad.

According to a survey from the Post Office, holiday overspend is on the rise with 67% of holidaymakers confessing they went over budget on their last trip abroad, with 57% stating the rising food prices were to blame.

With foreign transaction fees, fluctuating exchange rates and on-the-go purchases adding up fast, even the most budget-conscious travellers can end up spending more than planned. But Hodge believes that a few simple changes can go a long way.

Christie Cook, Managing Director of Retail at Hodge, said:

“Holidays should be a time to relax, but too often they’re followed by financial regret. At Hodge, we’re committed to helping people make confident and informed financial decisions, and that includes managing money well while travelling.

“These practical tips are designed to help people enjoy their time away, without coming home to a nasty surprise.”

Five Tips to Avoid Overspending Abroad

• Set a Daily Budget

“Creating a realistic daily spending limit helps holidaymakers stay in control of their money.

“Whether tracked manually or through a budgeting app, daily budgets can prevent accidental overspending, especially on longer trips. Even a rough daily target can stop the little things from spiralling out of control.”

• Use a Travel-Friendly Card
  “Not all bank cards are created equal when travelling. Some charge fees for overseas transactions and ATM use, while others are specifically designed to be used abroad without added costs.

“It’s worth checking your card’s fees and considering an alternative if needed, a travel card can save you a surprising amount.”

• Don’t Exchange Currency at the Airport
  “Airport exchange desks often offer poor rates and hidden fees. Instead, travellers are encouraged to exchange money in advance or order currency online for better value.

“Getting your currency sorted before you go means more money in your pocket and one less stress at the airport.”

• Always Pay in Local Currency
  “Many merchants offer dynamic currency conversion, the option to pay in pounds rather than the local currency, but this often comes with a worse exchange rate.

“Always opt to pay in the local currency, it’s almost always cheaper.”

• Build a Buffer into Your Budget
  “Unexpected expenses are inevitable when travelling, from last-minute excursions to forgotten essentials. It’s recommended to set aside 10–15% of your overall budget to accommodate these costs.

“A buffer gives you flexibility and peace of mind. It’s a small step that makes a big difference.”

By following these five simple tips, holidaymakers can take control of their travel budgets, avoid unnecessary costs, and make the most of their time away. A little planning goes a long way when it comes to spending smart abroad.

July 2nd, 2025 | Andrew Hagger | News

If you’re planning to sell your house in 2025, the right improvements can make all the difference. Today’s buyers are more discerning than ever, looking for energy efficiency, flexible living spaces, and modern finishes. Fortunately, you don’t need a huge budget to increase your home’s value dramatically. From small cosmetic touches to larger structural changes, this guide outlines the most effective ways to prepare your home for a profitable sale.

Small Changes, Big Impact

First impressions are everything in the property market. Before buyers even step inside, they’re forming opinions about your home’s condition, upkeep, and style. Luckily, a few simple updates can go a long way.

Focus on the following:

Exterior kerb appeal: Paint the front door, clean the driveway, trim hedges, and add potted plants.

Entrance hall refresh: Brighten the hallway with a neutral colour, new light fixture, and tidy storage.

Declutter and depersonalise: Clean, open spaces help buyers envision their own lives in the property.

Modern fixtures: Swap outdated light fittings, door handles, and taps for contemporary alternatives.

These quick fixes help your home stand out online and in person, generating more viewings and potentially higher offers.

Extensions: Big Additions That Bring Bigger Value

One of the most reliable ways to increase a home’s value is by adding square footage. Well-planned extensions can not only create more space but also significantly raise your property’s sale price.

Popular types of extensions include:

Rear extensions: Ideal for creating large kitchen-diners or open-plan living areas.

Wrap-around extensions: Maximise corner plots and add serious space downstairs.

Side-return extensions: Common in Victorian terraces; make narrow kitchens feel more spacious.

Double-storey extensions: Add space upstairs and down—best for growing families needing bedrooms and bathrooms.

Which extensions add the most value?

Kitchen and dining extensions remain one of the most desirable features for modern buyers.

Adding a bedroom with an en suite can increase value by up to 20%, especially in family homes.

Top tip: Always check local planning permissions and tailor your extension to what’s in demand in your neighbourhood.

Conversions: Fast-Track Value Gains

Conversions are often quicker and more cost-effective than extensions. They’re handy for unlocking hidden or underused potential in your home.

High-impact conversion options:

Loft conversions: Ideal for creating extra bedrooms, home offices, or playrooms.

Garage conversions: Convert an unused garage into a guest room, studio, or second lounge.

Basement conversions: Popular in city centres where space is limited.

Bedroom splits: In some cases, dividing a large bedroom into two smaller ones (with planning consideration) can boost value, especially in rental-heavy areas.

Important note: Always ensure the converted space is well-lit, properly insulated, and compliant with building regulations. A poorly executed conversion can devalue your property rather than enhance it.

Energy Efficiency: Move Up the EPC Scale, Move Up the Market

In 2025, energy efficiency is no longer optional. Buyers are actively looking for homes with strong EPC (Energy Performance Certificate) ratings—not only to reduce running costs, but also to future-proof their investment.

Simple upgrades to boost your EPC rating:

Loft and cavity wall insulation: Affordable, low-disruption upgrades with big efficiency gains.

Smart thermostats and heating controls: Improve heating performance and appeal to tech-savvy buyers.

Replace old boilers: Modern condensing boilers are much more efficient.

Double or triple-glazed windows: Cut energy loss and improve comfort.

LED lighting throughout: An easy, low-cost switch with long-term benefits.

Advanced options:

Solar panels: Great for EPC scores, but only worth the investment if installed well before sale.

Air source heat pumps: Eco-friendly and eligible for grants but more suitable for long-term plans.

Homes that move from EPC Band D to C or higher are more likely to command higher prices, attract more buyers, and avoid price negotiations based on predicted running costs.

Repairs: Address Issues Before They Cost You

One of the biggest deal-breakers for potential buyers is the need for obvious repairs. Unaddressed issues—no matter how minor—can make your home appear neglected and cause buyers to lower their offer or walk away entirely.

Essential repairs to consider:

Damp and mould: Fix leaks, improve ventilation, and repaint affected areas.

Roof damage: Replace missing tiles, clean gutters, and inspect for leaks.

Cracks and subsidence: Have structural concerns assessed and documented professionally.

Plumbing issues: Leaking taps, low pressure, or water stains should be corrected before viewings.

Electrical fixes: Flickering lights or outdated fuse boxes should be upgraded for safety and peace of mind.

Cosmetic repairs matter too:

• Touch up paintwork, fix scuffed skirting boards, and re-grout bathrooms and kitchens.
• Replace cracked tiles and damaged flooring.

Tip: Book a pre-sale survey or snagging inspection. This gives you time to address issues before they appear in the buyer’s report—saving you from last-minute price drops.

Maximise Value with the Right Mix of Upgrades

Increasing your home’s value in 2025 is about smart, targeted improvements that align with buyer expectations. A mix of aesthetic upgrades, efficient energy use, and well-executed structural changes can transform how your home is perceived—and how much it’s worth.

Quick wins like decluttering, modernising fixtures, and fixing minor issues can have an immediate impact.

Mid-range investments like insulation, new windows, and heating upgrades appeal to today’s eco-conscious market.

Larger projects like extensions and conversions deliver high ROI when well-planned and relevant to the local area.

The key is to know your market, assess your budget, and focus on changes that deliver visible, measurable improvements. With the right strategy, you can boost both your home’s value and its speed of sale—helping you move on to your next chapter with confidence.

If you’re looking for a quick sale of your house but don’t have the time or resources to make enhancements before going on the market, standing out among other properties in the area can be challenging, potentially prolonging the selling process. If this is the case, the team at We Buy Any House can help you sell your house quickly, no matter what condition it’s in.

June 30th, 2025 | Andrew Hagger | News

June 30th, 2025 | Andrew Hagger | News

A new study has estimated that insurers have rejected £801.8 million worth of home insurance claims for damages caused by pets, as many Brits don’t realise it is often excluded from home cover.

As a result, thousands of policyholders could have seen a needless increase in their premiums, thanks to having to disclose a ‘rejected claim’ at renewal. Now, pet owners are being reminded to check what they’re covered for before claiming to prevent avoidable price hikes.

The numbers come from Go.Compare home insurance, which combined survey results with FCA figures on home insurance payouts. It says that UK pet owners have had over 480,000 claims for damages turned down – equal to roughly 2% of the country’s pet owners. Based on the average claim value, this means millions have been lost due to owners not knowing the limitations of their insurance policy.

The comparison site advises that damages caused by pets might only be covered by accidental damage protection, which is not included as standard on all policies. Yet, many pet owners are unaware of this. Almost half (45%) told Go.Compare that they didn’t know home insurance typically doesn’t cover damages caused by pets – equal to around 12.5 million pet owners unaware of this key stipulation.

The study also highlighted that younger residents are the least knowledgeable about this issue, as substantially more older pet owners said they knew about the rule than younger ones. Just under two-thirds (64%) of over-54s knew about this, a figure which dropped to 53% among those aged 35 to 54, and 46% of under-35s. This suggests that younger Brits need a better understanding of insurance practices.

Pet owners with multiple animals were also more likely to know about the rule. Around half of those with one or two pets said they were aware of it, but this increased to roughly two-thirds (68%) of owners of three pets and around 88% of those with four pets or more.

Go.Compare states that while cover for this type of damage is rare, owners can find it in some policies. Just over half (52%) of pet owners who claimed for pet damage were successful, according to the survey results. This is equal to around 519,000 accepted claims and £862.4 million paid out to owners by home insurers for property damage caused by pets.

Nathan Blackler, home insurance expert at Go.Compare, said: “It’s clear from our survey that many pet owners don’t realise their home insurance probably won’t cover them if their pet causes damage to their property, which is leading to thousands of rejected claims. Having a claim rejected can also result in higher premiums, so it’s crucial to check that you’re definitely covered before making a claim.

“You can find protection for these damages from some providers if it’s something you feel you’ll need, but you might have to shop around. Before you buy a policy, you should always check what’s covered and what’s excluded. If pet damages aren’t included, see if the provider offers accidental damage cover as an add-on, and check whether this will protect you against cat or dog damage.

“Taking the time to investigate these details will prevent you from encountering any unwanted surprises and avoidable price hikes whenever your cuddly companion gets up to mischief. That’s why you should always compare policies to find a provider that offers the level of cover you need for a price you can afford.”

More information about the impact of pet ownership on home insurance can be found on Go.Compare’s website.

June 25th, 2025 | Andrew Hagger | News

June 24th, 2025 | Andrew Hagger | News

A new study has estimated that 11 million users could have access to full fibre broadband without realising, meaning some customers might be eligible for a free upgrade.

Around one in four (26%) broadband users said they didn’t know whether or not their home has a full fibre connection when surveyed by Go.Compare broadband. The comparison site says this is equal to around 13.8 million users. Go.Compare also found that around 80% of homes have access to a full fibre connection. It combined this data with ONS figures to estimate that 11 million people in the UK could be unknowingly missing out on faster internet speeds.

Roughly eight in ten homes in the UK have access to full fibre, the technology with the potential for the very fastest speeds. The nationwide fibre rollout is happening fast, and many customers still on slower hybrid fibre connections are eligible for a free upgrade.

In addition, some users could be on a full fibre connection already without realising, and might be able to get faster speeds for their money by switching to a better deal.

The Go.Compare survey also found that those who receive the worst service are the least likely to know their connection type. Of those who said they receive a very unreliable service, 40% did not know if their property has access to full fibre, compared to 23% of those who said their broadband is very reliable. This means those who most need a free upgrade are the least aware that they could have access to it.

The broadband comparison site added that many customers could be unknowingly receiving a below-standard service, simply because they don’t know what speeds they’re paying for. Almost half (48%) said they don’t know their broadband speeds, meaning they could be receiving slower speeds than promised without realising.

As a result, Go.Compare is reminding users to check the speeds they were promised and to test what speeds they are actually receiving, as providers have a legal obligation to deliver what was advertised.

Matt Sanders, broadband expert at Go.Compare, said: “Many broadband providers offer free upgrades from hybrid to full fibre, so it’s well worth finding out what connection type you currently have and whether you have access to an upgrade. You could get a better connection for no extra cost. Even if you’re already on fibre, you could find faster speeds for the same price by comparing deals, so it’s worth looking into.

“Note down the key details of your current broadband deal, such as the connection type, speeds you’ve been promised and what you’re paying. This will make it easier to check if you’re getting the service you were sold, and whether you could find a better deal by comparing packages when your contract is up.

“You can easily check the speeds you’re actually getting by using a free broadband speed checker online, like the one on our website. Remember to contact your provider if the speeds are slower than what you were sold, as they’re obliged to deliver what they advertised.

“If you’re getting the advertised speeds but your connection still feels slow, you might want to upgrade to a package offering more bandwidth. Comparing deals can help you find the speeds you’re looking for at a lower price.”

Broadband users can test their connection using the free speed checker on Go.Compare’s website.

June 20th, 2025 | Andrew Hagger | News

SIM-only mobile network spusu is celebrating two years of operation in the UK by giving customers 5GB of free data for the remainder of June. To claim the free data, customers must reply to the text from spusu by the end of June 22, 2025.

Since entering the UK market, spusu has offered highly competitive mobile plans, with their cheapest plan launching in April 2025 at just £4.90. With a focus on fairness, transparency and outstanding customer support, spusu has quickly carved out a reputation as a reliable and people-first provider.

This promotion is designed to thank customers and help them stay connected without worrying about extra charges. Whether streaming, browsing or video calling, the extra 5GB gives users more freedom to enjoy their mobile experience — just one of the many ways spusu continues to prioritise its customers.

Customers will receive an automated text message with instructions on how to claim their 5GB of complimentary data as part of the anniversary celebration. This promotion applies to all customers, besides those on an unlimited plan.

To secure their 5GB of free data, customers must reply to the text from spusu by the end of the day on June 22, 2025.

“Over the past two years, we’ve been proud to deliver on our promise of simple, fair and accessible mobile services,” said Christian Banhans, spusu’s UK managing director. “Since launching in the UK in 2023, we’ve grown our customer base and stayed true to our values of offering transparent, affordable mobile plans with first-class support. 

“This 5GB giveaway is our way of saying thank you to the customers who’ve joined us on this journey,” continued Banhans. “Looking ahead at the next two years, we’ll continue offering more value and benefits to our customers, ensuring they always feel supported and connected.”

To discover spusu’s SIM-only plans starting from £4.90, visit spusu.co.uk/plans

June 20th, 2025 | Andrew Hagger | News

In a world where financial decisions are often driven by emotion or impulse, mastering your mindset around money can become substantial to lasting wealth and stability. It’s almost like a rewiring your brain to put your financial goals above the split-second coffee purchase or fast fashion you’ve just seen an influencer show off. Building a better connection with money can help you succeed in the long run, from saving and investing to spending habits.

Recognise the Psychology Behind Your Spending

Our financial habits are influenced by psychology. Fancy some retail therapy after a tough day in the office or maybe it’s the thrill of finding a 50% off sticker at the supermarkets. Emotional triggers often dictate our spending choices. To break this cycle, start by tracking your monthly expenses (These are your needs, not wants). Can you identify patterns? If you’re feeling a certain way does this, make you feel the need to spend? Mindful spending begins when you understand these triggers and replace them with healthier coping mechanisms.

Build a Sustainable Saving Routine

Rethinking your financial behaviours means putting saving at the heart of your money habits, not leaving it as an afterthought. A simple yet powerful way to do this is by adopting the “pay yourself first” approach — set up an automatic transfer to your savings account the moment your income lands. Even if you start with small amounts, what matters most is consistency. Over time, those modest contributions can quietly grow into a meaningful safety net, ready to support you when life’s unexpected expenses arise!

Create Healthy Investing Habits

Building wealth is not just about saving. It is also about making your money work for you. Healthy investing habits begin with education. Understand the basics of risk and long-term planning. Consider starting low cost to spread risk. It’s also important to stay disciplined during market fluctuations and resisting the urge to panic sell. For younger investors especially, developing these good habits early can set the foundation for lifelong financial growth.

Practice Financial Mindfulness

Mindfulness isn’t something to leave behind in meditation sessions or on a yoga mat — it can be one of your most powerful allies in shaping a healthier relationship with money. Before you reach for your wallet or hit “buy now”, take a moment. Breathe. Ask yourself: Does this truly serve my goals? These brief pauses can work quietly but powerfully, helping you rise above impulse spending and stay true to the path you’ve set for your financial future. It helps to check in with yourself regularly too. Carve out a little time, perhaps once a week or at the end of the month, to look over where your money has gone. Notice what is working, where you might want to adjust and where you can give yourself credit for good choices. Mindfulness invites you to stay present with your finances, so small problems do not have the chance to grow into bigger ones.

Set Clear Financial Goals

Without a clear sense of purpose, money can slip away almost without you noticing (or tap away!), spent on things that do little to bring lasting joy. But when you have a vision, something that excites you and feels worth striving for, every decision starts to carry more meaning. Maybe it’s the dream of a place to call your own, the freedom that comes with clearing debts, or the promise of adventures in far-off places. That vision becomes the thread that ties your financial choices together.

Surround yourself with small reminders of what you are working towards. Let those glimpses of the future keep you motivated, and when you reach a milestone, take a moment to enjoy it. After all, progress is not just measured in numbers. It’s in the growing confidence that you are building the life you truly want

Final Thoughts

Rewiring your financial habits is a journey of self-awareness, discipline and continuous learning. By understanding the emotions that drive spending, prioritising saving and cultivating smart investing behaviours, you can build a healthier, more resilient financial future.

This is a guest post from freelance blogger Rosie Buckley rosie.buckley@contentncoffee.com