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Vet bills: how to look after your pet’s health for less

Vet bills: how to look after your pet’s health for less

Pets don’t have the luxury of free NHS healthcare if they get sick, and even a minor visit to the vet can bring with it a big bill. Pet insurance offers some protection but only one in five owners buy it, according to the market analysis company Statista, and policies do not cover every expense….

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Spending and saving: ‘It took a long time to change my mindset’

Spending and saving: ‘It took a long time to change my mindset’

It always amazes me that, even though so many of us handle money from a young age, by the time we get to our teenage years and early adulthood we lack the ability to talk about it. I grew up feeling that talking about money was inappropriate. I remember being around 10 and asking my…

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Self-assessment tax return: top tips to help you with the process

Self-assessment tax return: top tips to help you with the process

As we head into the final two weeks of the self-assessment season, the millions of people who still have not done their tax return are being urged to use the coronavirus lockdown as an opportunity to get it finished and out of the way. HM Revenue & Customs expects 12.1m tax returns to be filed…

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How UK taxpayers can avoid falling into the child benefit trap

How UK taxpayers can avoid falling into the child benefit trap

Workers with children who earn close to £50,000 a year may unwittingly owe HM Revenue & Customs hundreds, and in some cases thousands, of pounds because of the high-income child benefit charge. Every year HMRC sends out thousands of letters to parents asking them whether they are liable to pay the charge – in 2019-20…

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Empower artists to get Britain back on its feet

Empower artists to get Britain back on its feet

One of your correspondents observes of the education system that “there have [always] been plenty of fresh ideas” (Letters, 8 January). That is equally true of the arts, discussed in your editorial (The Guardian view on culture in 2021: a tough road ahead, 8 January), and the problem is also the same: the reluctance of…

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Covid insurance ruling: the business owners who will now get paid

Covid insurance ruling: the business owners who will now get paid

The guesthouse owner Gary Lovatt, who runs the five-bedroom Laurel Bank guesthouse in Keswick in the Lake District, said he was “very happy” with the supreme court verdict, and “reasonably confident” he would now get a payout from his insurer. Lovatt had tried to claim between £10,000 and £15,000 on his insurance policy after he…

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