Tax

UK Tax Year: starts on 6th April each year and ends on 5th April in the following year.

UK Tax Week: consecutive periods of 7 days starting on 6th April each year. Week 1 is 6th April to 12th April inclusive, Week 53 is made up of the remaining day(s) after the end of week 52 and 5th April inclusive.

UK Tax Month: starts on the 6th of one month and finishes on the 5th of the next month. Month 1 is 6th April to 5th May inclusive.

UK Self-Assessment Dealine: normally 31st January

Credit Score

Your credit score is influenced by:

• Accounts in arrears

• Credit card cash withdrawals

• Credit use (keep below 70% of credit limit)

• Debt collector searches (these searches removed after 2 years)

• Defaults and repossessions

• Electoral roll

• Hard searches (removed after 6 months)

• Legal action (6 years)

• Missed payments (6 years)

• Mortgages and secured loans

• Unsecured loans (Keep below 3)

Investing

Inflation

Bibliography

• https://www.theinternetpatrol.com/the-paypal-dispute-and-claim-gotcha-escalating-your-claim-gets-it-dismissed/

• https://www.wired.co.uk/article/china-bitcoin-mining-ban-kazakhstan (China has triggered a bitcoin mining exodus)

• https://www.marketwatch.com/story/youre-saving-a-penny-to-lose-a-nickel-why-robinhoods-65m-fine-is-a-cautionary-tale-for-retail-investors-2020-12-17
• https://www.marketwatch.com/story/heres-how-charles-schwab-and-td-ameritrade-stack-up-amid-reports-of-a-blockbuster-discount-brokerage-merger-2019-11-21
• https://www.marketwatch.com/story/fidelity-cuts-fees-to-0-as-it-jumps-on-zero-commission-bandwagon-2019-10-10

• https://www.in2013dollars.com/
• https://www.in2013dollars.com/UK-inflation
• https://www.swanlowpark.co.uk/consumer-price-index.php?&showRPI
• https://www.swanlowpark.co.uk/inflation-calculator
• https://www.lynalden.com/inflation-vs-interest-rates/

• https://www.mymandg.co.uk/mandgbuy3/selectfunds#/selectfunds
• https://www.swanlowpark.co.uk/savings-calculator
• https://www.investopedia.com/articles/stocks/08/capital-losses.asp (The Art of Cutting Your Losses)
• https://www.investopedia.com/investing/limiting-losses/
• https://www.investopedia.com/terms/c/capitalloss.asp
• https://www.investopedia.com/articles/investing/050813/4-behavioral-biases-and-how-avoid-them.asp

• https://www.moneysavingexpert.com/savings/lifetime-isas/

• https://moneysavingcentral.co.uk/free-stuff
• https://www.hotukdeals.com/
• https://www.moneysavingexpert.com/

• https://www.creditcards.com/education/outstanding-balance/
• https://www.clearscore.com/learn/managing-money/the-pros-and-cons-of-buy-now-pay-later-credit
• https://app.clearscore.com/
• https://app.clearscore.com/track/credit-report/score/factors

• https://www.fca.org.uk/consumers/how-complain

• https://www.thecompleteuniversityguide.co.uk/student-advice/finance/repaying-your-student-loan

• https://www.citizensadvice.org.uk/consumer/insurance/insurance/problems-with-insurance-policies/problems-with-an-insurance-claim/
• https://www.insuranceopedia.com/how-to-dispute-an-insurance-claim-settlement/2/5839

• https://www.gov.uk/government/publications/cwg2-further-guide-to-paye-and-national-insurance-contributions/2022-to-2023-employer-further-guide-to-paye-and-national-insurance-contributions
• https://www.moneysavingexpert.com/banking/tax-rates/
• https://forums.moneysavingexpert.com/discussion/6410739/excel-spreadsheet-for-personal-tax