Personal Finance

Martin Lewis has warned energy bills could rise by almost 25% in January, with households urged to check fixed deals before the next Price Cap.

Energy Price Cap could soar in January – Martin Lewis urges households to check now

Martin Lewis has issued an urgent energy warning after the January Price Cap was forecast to rise by 24.9%. Here's what households need to know.

Could you be missing out on financial support? Check these 10 benefits, including Pension Credit, Carer’s Allowance and PIP.

Could you be missing out on financial support? Check these 10 benefits, including Pension Credit, Carer’s Allowance and PIP.

Pensioners missing out on an average £2,199 a year in benefits – what you could claim

I tried Martin Lewis’ Cheap Energy Club to see if I could cut my gas costs, and got a cheaper tariff and £10 cashback after switching.

I tried Martin Lewis’ Cheap Energy Club to see if I could cut my gas costs, and got a cheaper tariff and £10 cashback after switching.

I checked my energy deal on Martin Lewis’ website – and saved hundreds

The first advantage of travel eSIM is a more competitive price

The first advantage of travel eSIM is a more competitive price

Travel eSIM over roaming: why Scots choose Yesim

More than a third of UK adults don't know how their pension grows. Experts reveal five simple ways to give your retirement savings a boost.

More than a third of UK adults don't know how their pension grows. Experts reveal five simple ways to give your retirement savings a boost.

Pension warning - the simple checks that could help grow your retirement pot

Some investors fall into the trap of holding on to investments for too long (Photo by Michael M. Santiago/Getty Images)

Some investors fall into the trap of holding on to investments for too long (Photo by Michael M. Santiago/Getty Images)

PERSONAL FINANCE

The 'seven deadly sins of investment' - and how to avoid them

Aberdeen Group employs around 1,800 people in Edinburgh and has its headquarters in the city

Aberdeen Group employs around 1,800 people in Edinburgh and has its headquarters in the city

BUSINESS BRIEFING

Scottish investment giant hires Scandinavian to lead recovery drive

Jennifer Paice, chief executive of AC Wealth, said joining Shackleton would provide additional resources while preserving continuity for clients and staff

Jennifer Paice, chief executive of AC Wealth, said joining Shackleton would provide additional resources while preserving continuity for clients and staff

End of an era as Aberdein Considine parts with key growth business

Chancellor of the Exchequer John Healey as a petition calling for the Personal Tax Allowance to rise to £18,000 has attracted 68,455 signatures, but the September 30 deadline is approaching.

Chancellor of the Exchequer John Healey as a petition calling for the Personal Tax Allowance to rise to £18,000 has attracted 68,455 signatures, but the September 30 deadline is approaching.

Thousands back bid to raise HMRC personal allowance to £18,000 as deadline looms

Standard Life office in Edinburgh

Standard Life office in Edinburgh

Standard Life hails £2bn acquisition that may lead to job cuts in Scotland

Fixing your energy could save hundreds of pounds as the October price cap rises and forecasts point to another increase in January.

Fixing your energy could save hundreds of pounds as the October price cap rises and forecasts point to another increase in January.

Energy bill gamble that paid off as households could have saved £289

Are people planning for the future with yesterday's mindset? Photo credit should read: Alamy/PA

Are people planning for the future with yesterday's mindset? Photo credit should read: Alamy/PA

PERSONAL FINANCE

Scots are optimistic about living longer, but do they financial plans to match?

The State Pension triple lock could be replaced with a double lock, former pensions secretary Therese Coffey has suggested

The State Pension triple lock could be replaced with a double lock, former pensions secretary Therese Coffey has suggested

Department for Works and Pensions

Millions face DWP State Pension shake-up as triple lock branded ‘idiotic’

Martin Lewis from Money Saving Expert, who is warning households not to make costly energy mistakes as prices rise again

Martin Lewis from Money Saving Expert, who is warning households not to make costly energy mistakes as prices rise again

Martin Lewis warns households not to make costly energy mistake as prices rise again

Ben Wright is always looking for interesting pieces, including wristwatches from leading makers such as Patek Phillipe, Rolex, Audemars Piguet and Tudor

Ben Wright is always looking for interesting pieces, including wristwatches from leading makers such as Patek Phillipe, Rolex, Audemars Piguet and Tudor

Time to find out how much your watches are worth with Antiques Roadshow's Ben Wright

Acumen’s Neil Burns

Acumen’s Neil Burns

Why it always pays to think ahead in retirement planning

Corum Property's John Kelly has thanked the clients and colleagues who will facilitate approximately £800,000,000 worth of property transactions across the West of Scotland this year

Corum Property's John Kelly has thanked the clients and colleagues who will facilitate approximately £800,000,000 worth of property transactions across the West of Scotland this year

Corum managing partner John Kelly: 'My personal 28,178 thank yous'

Big changes to inheritance tax are on the way

Big changes to inheritance tax are on the way

PERSONAL FINANCE

The major change to inheritance tax that you need to know

Secretary of State for Work and Pensions Pat McFadden as campaigners call for the State Pension raised to £14,500, arguing it should at least match the minimum wage for younger workers.

Secretary of State for Work and Pensions Pat McFadden as campaigners call for the State Pension raised to £14,500, arguing it should at least match the minimum wage for younger workers.

Department for Work and Pensions

Pensioners could get thousands more under Minimum Wage State Pension bid

The average age at which people choose to retire is 65 for men and 64 for women, says research

The average age at which people choose to retire is 65 for men and 64 for women, says research

Millions face a £312,000 pension shortfall – five ways to boost your pot

Investors have been conditioned to focus on central banks in recent years, but this may be about to change

Investors have been conditioned to focus on central banks in recent years, but this may be about to change

PERSONAL FINANCE

Why investors' focus is beginning to shift away from central banks

Healthy Pet Club Advanced offers unlimited access to veterinary expertise

Healthy Pet Club Advanced offers unlimited access to veterinary expertise

Scottish vet launches a new pet healthcare plan with unlimited consultations

Child Maintenance Service (CMS)

Scottish child maintenance system called 'unreliable' and needs complete overhaul

Nearly half of working age people are not saving into a pension in a typical month, the second report from the Pensions Commission found

Nearly half of working age people are not saving into a pension in a typical month, the second report from the Pensions Commission found

PERSONAL FINANCE

Major pensions report highlights crucial challenges facing UK

Starbucks Rewards customers will need more Stars for free drinks, food and merchandise from September 3, 2026, although the earning rate remains unchanged.

Starbucks Rewards customers will need more Stars for free drinks, food and merchandise from September 3, 2026, although the earning rate remains unchanged.

Starbucks customers have days left before major Rewards change

Households near new pylons could get £2,500 off energy bills. See the full list of 43 projects and areas expected to qualify from 2027.

Households near new pylons could get £2,500 off energy bills. See the full list of 43 projects and areas expected to qualify from 2027.

Homes near new pylons could get £2,500 off energy bills - full list of areas revealed

More than 5,000 people have backed a petition calling for a universal State Pension from age 60 worth £610.08 a week.

More than 5,000 people have backed a petition calling for a universal State Pension from age 60 worth £610.08 a week.

Thousands back call for DWP State Pension from age 60 and increase to £610.08 a week

Tracey Davidson, chief executive, Hampden Bank

Tracey Davidson, chief executive, Hampden Bank

BUSINESS INSIGHT

Edinburgh bank for the 'financially successful' reports leap in profits

Iain Morrison was born in Hong Kong and educated in Scotland

Iain Morrison was born in Hong Kong and educated in Scotland

Edinburgh banking giant appoints Scottish veteran to key role north of Border

The Bank of England held interest rates at 3.75% last month

The Bank of England held interest rates at 3.75% last month

PERSONAL FINANCE

Markets underline resilience in summer of upheaval... and Tequila

We all know the words liquidation and administration; however these legal traps are not the only consequences of financial pressure.

We all know the words liquidation and administration; however these legal traps are not the only consequences of financial pressure.

BUSINESS HQ OPINION

Failed Scottish businesses do not need to come up short when ‘everything must go’

Martin Lewis explains the difference between pension withdrawals, drawdown and annuities, and why taking money at the wrong time could increase your tax bill.

Martin Lewis explains the difference between pension withdrawals, drawdown and annuities, and why taking money at the wrong time could increase your tax bill.

Martin Lewis reveals the simple pension mistake that could trigger an HMRC bill

Hugh Fraser Retirement Estate in Newton Mearns, recently won a prestigious Scottish Civic Trust, My Place Award

Hugh Fraser Retirement Estate in Newton Mearns, recently won a prestigious Scottish Civic Trust, My Place Award

Retail Trust is streets ahead with new vision for retirement living in Scotland

Laura Crowe, Group Director at Acumen Financial Planning

Laura Crowe, Group Director at Acumen Financial Planning

Teaching children about money is an investment in their future

The video games industry is thought to be worth $200 billion worldwide

The video games industry is thought to be worth $200 billion worldwide

TrinityBridge offer hands-on control of investments for video gaming innovators

Secretary of State for Work and Pensions Pat McFadden as HMRC data shows more than 30,000 people exceeded their pension annual allowance in 2024/25.

Secretary of State for Work and Pensions Pat McFadden as HMRC data shows more than 30,000 people exceeded their pension annual allowance in 2024/25.

The £60,000 pension rule catching workers out – and many don't realise for years

Destroyed buildings at Sharif University of Technology which was hit by US-Israeli strikes on April 6, 2026 in Tehran, Iran

Destroyed buildings at Sharif University of Technology which was hit by US-Israeli strikes on April 6, 2026 in Tehran, Iran

Iran war to cost Scots half a billion pounds as energy prices soar

Why did shares rise in the owner of Royal Bank of Scotland?

Solar power is big business, with more than $2 trillion of capacity installed last year

Solar power is big business, with more than $2 trillion of capacity installed last year

Personal Finance

The quiet revolution now underway that could save us from climate disaster

The Herald has all the big business issues covered

The Herald has all the big business issues covered

The Herald champions Scottish business at every turn - here is how you can support us

Ross Greer, co-leader of the Scottish Greens: But does the label fit the beliefs?

Ross Greer, co-leader of the Scottish Greens: But does the label fit the beliefs?

Labels matter: Do politicians advertise false beliefs?

Tweed Forum launches River Tweed Gin.

Tweed Forum launches River Tweed Gin.

Food and drink business

New bespoke Scottish Borders alcohol launched to help fund River Tweed conservation

Interactive investor, the subscription-based platform used by retail investors to manage their own portfolios, was the first half's star performer

Interactive investor, the subscription-based platform used by retail investors to manage their own portfolios, was the first half's star performer

Business Insight

Profits up, share price down: why is Aberdeen out of favour with investors?

Prime Minister Andy Burnham (centre) sits between Cabinet Secretary Antonia Romeo (left) and Chancellor of the Exchequer John Healey (right) as a new Commons report examines HMRC's Personal Allowance, State Pension tax and calls for reform.

Prime Minister Andy Burnham (centre) sits between Cabinet Secretary Antonia Romeo (left) and Chancellor of the Exchequer John Healey (right) as a new Commons report examines HMRC's Personal Allowance, State Pension tax and calls for reform.

HMRC Personal Allowance explained as pressure grows over State Pension tax

Scotland's higher earners could save £46,000 by moving to England, analysis finds

High earners could save tens of thousands of pounds in income tax

High earners could save tens of thousands of pounds in income tax

Scotland's higher earners could save £46,000 by moving to England, analysis finds

US Federal Reserve Chair Kevin Warsh testifies during a House Financial Services Committee hearing titled

US Federal Reserve Chair Kevin Warsh testifies during a House Financial Services Committee hearing titled

PERSONAL FINANCE

What can we tell from Fed chief's apparent U-turn on US interest rates?

There are an estimated 3.3 million lost pension pots worth £31.1bn across the UK.

There are an estimated 3.3 million lost pension pots worth £31.1bn across the UK.

Millions could be owed an average £9,470 from a forgotten pension – how to check

There's a welcome boost for households this autumn as the Government confirms electricity bills will be VAT free from October

There's a welcome boost for households this autumn as the Government confirms electricity bills will be VAT free from October

Personal Finance

Andy Burnham scraps VAT on energy bills as households set to save from October

HMRC is now consulting on plans to make millions of self-employed workers, landlords and side hustlers pay tax earlier through major Self Assessment reforms.

HMRC is now consulting on plans to make millions of self-employed workers, landlords and side hustlers pay tax earlier through major Self Assessment reforms.

HMRC's biggest Self Assessment shake-up in decades could change how millions pay tax

The current environment presents both risks and opportunities

The current environment presents both risks and opportunities

Personal Finance

Why no one should be bored by the unusual thing that's happening with bond prices

Professional help is at hand for staying on course in wealth management

Families could save hundreds during the school holidays thanks to the Government's temporary VAT cut. Alton Towers, National Trust, Knowsley Safari, LEGOLAND and more are offering cheaper days out.

Families could save hundreds during the school holidays thanks to the Government's temporary VAT cut. Alton Towers, National Trust, Knowsley Safari, LEGOLAND and more are offering cheaper days out.

Summer holidays

Parents urged to save as theme parks, cinemas, zoos and restaurants cut summer prices

Families across England, Scotland and Wales face average summer childcare costs of £1,145 per child as holiday club prices continue to rise.

Families across England, Scotland and Wales face average summer childcare costs of £1,145 per child as holiday club prices continue to rise.

Summer holidays

Summer holiday childcare now costs working families more than £1,100 per child