No more discs in the windscreen and now for the first time in 40 years you won't have to hunt down your insurance certificate to buy car tax either

Taxing times: Drivers will no longer have to hunt down their car insurance certificate to buy car tax

The insurance check when you buy a tax disc has been in place for over 40 years and has led to countless drivers scrabbling for the key insurance document every time their car-tax falls due, but now motorists will no longer need to show their car insurance certificate when taxing their vehicle under yet more new plans to cut red tape for drivers.

Why did the value of my pension suddenly drop from £112,500 to just £84,400?

Shock: An oversight by Friends Life left a customer overestimating how much they could expect to earn in retirement.

I was told by Friends Life that I would have £112,500 left after taking my lump sum with which to buy an annuity, only for this to then change to £84,400.

Are you ready for a bargain? Cash conscious shoppers could force early price cuts for Christmas

Shoppers could see big discounts on the high street this Christmas

Analysts say uninspiring sales so far may mean shops are under increasing pressure to engage in discounting to tempt in the Christmas shoppers.

Money Morals: We had to spend £3,000 fixing our boiler and now we're skint - is it too late to cancel Christmas?

Bad News Santa: If you simply can't afford Christmas is it too late to tell the kids?

We had managed to put aside about £500 for Christmas but our boiler packed up and now we have no money and put part of the repair on our credit card. The reality is that we simply can’t afford to have a normal Christmas and will struggle even to have a cheaper one that the children won’t notice has been downgraded. Should we tell the kids? Have your say in Money Morals.

Boom time for stocks: The secrets behind William O'Neil's formula for finding explosive growth shares

Booming stocks: William O'Neill has worked out a formula to pick stock winners

Ben Hobson looks at how William O'Neil's formula earned a reputation for finding some of the most exciting shares in the market.

HSBC latest giant to consider breaking itself up as it weighs up stock market spin-off for its UK High St bank

UK Float? HSBC is reported to be considering a spin-off of its high banking business

HSBC has Britain's fourth biggest retail banking customer base and also runs First Direct and a £20billion float could help it ring-fence customers, reports suggest.

Virgin Money enters Help to Buy race and will even give you £300 back, but are its fixed mortgages worth it?

Open doors: Virgin Money has entered the Help to Buy market

The bank is offering fee-free two, three and five-year rates at deposits of 5 and 10 per cent and will let borrowers buy or remortgage.

The national savings slump: NS&I; to cut Direct Isa rate again to just 1.5% - days after it was given green light to attract more savings

Direct Isa: How the latest cut will drop it down close to its lowest ever rate - 1.3% in 2009

NS&I; will drop the rate on its Direct Isa, shaving another 0.25 per cent off from February 2014, as it once again wields the axe on rates.

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FTSE CLOSE: Mining sector pessimism stalls Footsie progress as China data disappoints

Fed followed: Three Federal Reserve speakers due to give give speeches today

The FTSE 100 Index struggled for momentum as it climbed just 7.5 points to 6559.5 following a boost on Friday sparked by positive US jobs data that helped the top-flight end a five-session losing streak. But there seemed little enthusiasm for more increases, despite better-than-expected Chinese export data. Imports to the world's second biggest economy missed expectations, pushing miners near the top of the fallers' board.

SMALL CAP SHARE TIPS: Serabi Gold has a 'bit of a tiger by its tail' as Brazil plant nears switch-on

Good grades: Can turn a mine into a money generator even in this low-price environment for gold

December 13 will be a red letter day for the management and staff of Serabi Gold as it marks the switch-on of the group’s Palito plant.

Number of job vacancies rises to 15 year high and salaries increase at fastest rate since November 2007

Jobs aplenty: The latest REC/KPMG report showed job vacancies at a 15 year high in November. Official figures have shown the number of people claiming jobseeker's allowance falling consistently for the past year

Economic researchers Markit found demand for staff increased at its sharpest rate since July 1998 driven by demand in the private sector.

In to Africa: Bob Diamond on verge of City return with plan to create new African-focused banking group

Controversial: Bob Diamond is expected to list a cash shell on the London Stock Exchange

Diamond is expected to list a cash shell on the London Stock Exchange, raising £153 million, which will then be used to buy banking businesses in Africa.

LISA BUCKINGHAM: It is imperative to nurture Britain's female talent

Lisa Buckingham

We must encourage our leading companies to create talent pipelines that will ensure the most talented women executives can rise to the top.

More bad news for business lending: Troubled Co-op Bank looks to shed £1.7bn in loans as part of rescue plans

Co-op Bank

The bank, which wants to concentrate on serving individuals and small firms, is trying to dispose of loans to businesses with sales of more than £25million.

Junior Isas, CTFs and more: How to save and invest for your children - and some of the best funds to pick

Start early: How to save and invest for children

When it comes to saving or investing for children there are a number of different options depending on whether you want something tax efficient but rigid or flexible but liable for tax. We take a look at the ways you can save for your children, how the schemes work and provide tips and guidance.

George Osborne left personal taxes alone in the Autumn Statement - so how much tax will you be paying next year?

Effect: How will you be impacted by tax changes being introduced in April?

If you're wondering where Thursday's Autumn Statement leaves you financially, not a great deal has changed from what was already announced in the March Budget.

ADAM UREN: State pension rises show why young people need to vote so that they aren't an open goal for austerity

Change needed: If young people want to stop being the butt of Budget jokes, they need to make their voices heard come Election time.

The rising retirement age is sensible but it doesn't make it any less of a downer to millions of young people who have constantly been hit by austerity Britain.

'I took a tax-free lump sum and used some of it to buy a kayak': How to make work pay off with a retirement you can really enjoy

Room for two: Neil Moore, who has retired, and wife Joanne enjoy their sail-assisted kayak

Retirement is the chance to have some fun. But it helps if you've got enough cash to fund your chosen lifestyle, like Neil Moore (pictured with his wife Joanne). It means squeezing the best income possible out of it or earning a bit extra with a business on the side. We show you how.

New state pension age: As we're all told to work longer, when will you be able to retire?

Happy retirement: But how long will you have to wait for your state pension?

We explain the upcoming rule changes to the state pension age. Find out when you will be allowed to retire

Annuity market slammed for failing retirees and needless complexity by consumer group

Complex: The panel found the process of buying an annuity is too complex.

The Financial Services Consumer Panel (FSCP) found that the complexity of the market is putting off pension holders from shopping around for the best annuity.

'I decided that if properties were selling themselves I didn't need an estate agent - and saved £20k': Save by selling your house

Bargain: Interior designer Marie Kalsi paid just £195 plus VAT to sell her home

Any day now the millionth home sale of the year will be recorded - easily the highest number of annual sales since 2007. But is it possible to avoid the costs and sell without a traditional estate agent at all? Interior designer Marie Kalsi (pictured) says yes - and reckons she saved a staggering £20,000 by doing just that.

'Mamma Mia! We saved £40 each on top seats': Top show tickets are slashed to £10 over the festive season and into the New Year

Discounted tickets: Theatre-loving friends Julie Marcus, Kelly Brown and Judith Lindsay

The Society of London Theatre, which represents theatre companies, is slashing the cost of tickets for 45 West End shows to as little as £10 for New Year performances – with the bargain tickets going on sale on Tuesday. Friends Julie Marcus, Kelly Brown and Judith Lindsay, pictured, were in the queue.

Britain is back on track – so what does it mean for YOUR money

Soaring bills: Caroline and Phil Radnor with son Jack say the £50 cut will be overshadowed

The economy is recovering and the Government is slowly getting a grip on its borrowings. But what did the Autumn Statement mean for households? Fuel bills cut by £50 a year, tax allowance up, but hopes dashed on Child Trust Funds. Phil and Caroline Radnor (pictured) are worried about increased costs.

George Osborne left personal taxes alone in the Autumn Statement - so how much tax will you be paying next year?

Effect: How will you be impacted by tax changes being introduced in April?

If you're wondering where Thursday's Autumn Statement leaves you financially, not a great deal has changed from what was already announced in the March Budget.

Crashing computer systems at Britain’s top banks could see industry hit with massive fines and an exodus of customers

Cash crisis: RBS has faced two systems failures in a week

Rising fears over computer failures, most conspicuously at Royal Bank of Scotland, are attracting closer scrutiny from watchdogs.

'It’s awful that people can be lured into using these websites': It's NOT official - online sting that charges up to £1,000 for service you can get FREE

Warning: Tax expert Anita Montieth says no one should use non-official websites

Don’t be fooled by the websites at the top of Google’s search list when you want to file your tax form or apply for a passport or driving licence. Experts are warning taxpayers to avoid websites that promise to process for a hefty fee your self-assessment tax return ahead of the January 31 deadline. Anita Montieth, tax manager at the Institute of Chartered Accountants (pictured), says: 'They get you to do all the work and then charge you a fee. '

JEFF PRESTRIDGE: A pig-headed mess fails us all on savings

Jeff Prestridge

It’s a shame the announcement that the state retirement age was being raised was not accompanied by radical plans to encourage employees to save more.

TONY HETHERINGTON: Your missing cash is on the Costa del Sol!

Tony Hetherington, Financial Mail on Sunday Readers Champion investigates. byline pic.

Aims Review contacted me offering its PPI claims service. It said if I was not entitled to a refund, my £250 would be returned. Tony Hetherington investigates.

Is it time to buy British? The FTSE 100 has fallen behind but investors could now profit from recovery

Falling behind: The FTSE 100 is trailing other major stock markets, including the US S&P 500 and Japan's Nikkei

The Footsie has been lagging main international rivals but with things picking up, should investors buy into a market that doesn't look expensive? Fidelity's Tom Stevenson takes a look at why Britain's main stock market has fallen behind and whether it is time for it to catch back up.

MIDAS UPDATE: That’s a pick-up! Our tip, equipment rental firm Vp, leaps 77 per cent

Boom: Vp is benefiting from the economic recovery

With products ranging from temporary roads to forklift trucks to hand-held drills, Vp is reaping the benefits of economic recovery.

Junior Isas, CTFs and more: How to save and invest for your children - and some of the best funds to pick

Start early: How to save and invest for children

We take a look at the ways you can save and invest for your children, how the schemes work and provide tips and guidance.

MIDAS SHARE TIPS: Greenko's eco power revolution in India could bring you big profits

Diversity: Greenko owns wind farms and hydro-electric projects

In India, green energy is invariably cheaper than coal and gas. The situation presents a massive opportunity for Greenko Group, which specialises in renewable power.

SUNDAY NEWSPAPER SHARE TIPS: Greenko, AstraZeneca and William Hill

Tips: SSE and Premier Oil feature in this Sunday's newspapers.

We round up the Sunday newspaper share tips. This week: Greenko, AstraZeneca and William Hill

Six of the most economical family cars money can buy: True MPG figures reveal Seat Leon is cheapest to run

Economical: The Seat Leon topped the True MPG test for family cars

When it comes to choosing a family car, it is important not only to find a car large and powerful enough for the rigours of family life, but one that is fuel efficient. But can you trust manufacturer's figures? We reveal six True MPG stars as named by WhatCar? magazine.

Local sports clubs offered chance to cash in on Britain's gambling craze by new firm which claims to be 'Robin Hood' of betting

Rich seam: Clubs will be able to take a cut of punts placed on their websites

The Betting Service has teamed up with Club Website – which builds sites for amateur sports clubs – so teams’ web pages can be used to place bets on major fixtures.

Hackers target RBS and crash NatWest online banking for an hour inflicting bank with second IT breakdown in a week

Crash: NatWest's website has been hit with major technical problems for the second time this week

NatWest's online banking was crashed by hackers today in a 'DDoS' attack just days after an unrelated IT meltdown left customers unable to use cards or ATMs

'A double whammy for the Bank of England': A third of Britons now see interest rates going up within a year and inflation expectations rise

Indicators of when Bank Rate is expected to rise

Doubts grew over the Bank of England's pledge to keep rates at record lows after survey shows more than a third of Britons expect the cost of borrowing to rise within a year.

MPs face fury as they get 11% rise: £7,600 pay hike leaders called 'unthinkable' and 'impossible' will go ahead

Prime Minister David Cameron described the proposed 11% pay hike as 'unthinkable'

The Commons pay watchdog is expected to cause public outrage by pressing ahead with an increase in MPs’ salaries from £66,396 to £74,000, which David Cameron previously described as ‘unthinkable’.

State pension age rises will see youngest working into their 70s and millions in their 40s waiting an extra year to retire

Changes: Younger workers can expect to work into their 70s before they can claim their state pension.

George Osborne confirmed in his Autumn Statement that the age at which people can claim their state pension will rise to 68 in the mid-2030s, 69 in the 2040s and 70 in the 2060s. State pension ages are already rising to 66 in 2020 and 67 from 2026, but the Government has decided to bring forward further rises as it deals with the growing costs caused by the UK's aging population and increasing life expectancy.

Accidental landlords hit harder than the oligarchs as valuable capital gains tax break is halved from April

Hit: Landlords letting homes that they once lived in have seen a valuable tax break halved.

Accidental landlords who let their former homes have been hit harder than wealthy foreigners who sell UK properties under capital gains tax changes.

Quarter of a million tenants withhold rent as punishment for taking too long to make urgent repairs - but are they breaking the law?

How long should a landlord take to make an emergency repair?

One in three tenants have faced a home emergency in the last 12 months with the most common issues being central heating faults and boiler problems.

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RBS faces quiz over collapsed fashion chain Peacocks

Collapsed: Fashion chain Peacocks

Former directors and investors in Peacocks are considering a complaint about Royal Bank of Scotland to the Serious Fraud Office. When Peacocks went into administration in early 2012, RBS played a key role as the retailer’s leading lender in deciding to pull the plug.

Ambitious EADS targets higher profits as it rebrands as Airbus

Rebranding: Aerospace group EADS is changing its name to Airbus

The move signifies the importance of the group's commercial aircraft arm at a time when defence budgets have been slashed.

Profits jump at Simon Cowell’s company as more countries licensed to make shows in The X Factor and Britain’s Got Talent formats

Spotlight: Simon Cowell with Britain's Got Talent judges Alesha Dixon, David Walliams and Amanda Holden

Simco Limited, a joint venture between Cowell and Sony, enjoyed turnover of £59.9 million for the year to March 31, 2013 and profits of £37.4 million.

Royal Mail shares hit £6 after pay deal with unions - and now it is on course to join FTSE 100 in reshuffle

Relief rally: Deal means there will be no strike before Christmas, as had been feared

The shares broke through the 600p mark last week before closing on Friday at 594p, up 22p on the week and 80 per cent above their 330p flotation price.

BP given another boost as US court rejects fraud action

Up: BP shares have increased 12 per cent in the past year

A federal judge refused to allow a class action by investors alleging fraud by the UK oil company over the Gulf of Mexico oil spill.

Department stores enjoy dramatic boost as takings rise for first time in more than a year

Boost: Spending jumped 2.8 per cent compared with November 2012, reversing more than a year of monthly declines

Spending jumped 2.8 per cent compared with November 2012, reversing more than a year of monthly declines.

ASK TONY: It's taken Orange five months to pay a £25 phone top-up

Ask Tony cartoon

My husband asked for £25 to be added to our account. On receiving our bank statement, we found £25 had been debited on June 6 and a further £25 was taken twice on June 10. We've contacted Orange on a number of occasions and have even visited our local Orange shop twice, but we still haven't had the extra money they took returned to us.

Fix your mortgage for five years at just 4.29% with only a 10% deposit: Post Office takes aim at first-time buyers

Property ladder: The Post Office five-year rate may give a good step to getting a mortgage

The Post Office is offering a five-year fixed rate for 4.29 per cent with a fee of £1,495 for just a 10 per cent deposit.

I have four days holiday to use by the end of the year but can't take them. Can I make my boss let me carry them over?

Humbug: RP is unlikely to be able to take their remaining leave before the end of the year

I will not be able to take my holiday days because we are so busy in the office. Will I have to accept them as lost days or can I ask for the money instead?

WOODEN SPOON AWARDS 2013: The terrible ten who had you howling with rage this year?

Driven mad: Money Mail has been keeping a close eye on the companies you have complained about the most in 2013

Money Mail has been keeping a close eye on the companies you have complained about the most in 2013. Useless call centres, wrong bills, broken promises - now get your own back by voting. Here are the ten firms that have made our Wooden Spoon shortlist.

Best fixed savings deals vanish just as 450,000 savers face yet another rate plunge

Draining away: Savings returns continue to suffer for those coming off fixed rate bonds

Top-paying fixed-rate bonds are disappearing fast, bad news for the 450,000-plus savers whose fixed-rate deals come to maturity this month.

Time to cap pension charges? You might pay less than you think as study claims average charge is just 0.46% - but some get hit for much more

Charges: A NAPF study found the average charge on pension schemes was just 0.46%.

The NAPF found in its survey of pension schemes that on average members were charged just 0.46 per cent for the administration of the scheme.

Get your order in: Avoid expensive postage bills with our guide to High Street and online Christmas delivery deadlines

Christmas shopping: Avoid the last minute panic by shopping online

Buying your Christmas gifts online will usually get you the best deal. But it brings with it the hassle of meeting delivery deadlines so avoid the Christmas rush and buy online in time for the big day with This is Money's round up for a hassle-free holiday.

'Squeezed middle' have seen £1,700 wiped off their incomes since the financial crisis but pensioners are £900 better off

Falling income: Middle income families have suffered the most of any group during the recession official figures have confirmed

The Office of National Statistics said a fifth of working age households have seen real income from fall by 6.4 per cent between 2007 and 2012, a fall of £5,300 from £37,900 to £32,600.

Savers urged to track down their pensions as study shows millions juggle at least FOUR separate pots of retirement savings

Four or more: Many UK workers are juggling multiple pension pots.

A quarter of over 55s face either consolidating their pensions into one pot, or having to convert all of their pensions into separate retirement products.

Can a bad borrowing history REALLY put you on the lending blacklist? Credit rating facts and fiction

Material world: Ignoring your credit history could make it harder to get a mortgage, credit card or loan

A staggering 63 per cent of people bury their head in the sand and avoid checking their credit rating. But knowing the facts from the fiction could help you build up a better credit rating giving you access to better rates on credit cards and loans and help you get a mortgage.

Don't get caught out by the investing conmen: Four ways fraudsters try to get hold of your hard-earned savings

Cold calls: Scammers will try to sell you investments such as diamonds or carbon credits

Scammers are targeting those who want to chase huge returns with offers of investments in carbon credits, diamonds, wine or shares that can be worthless. The mantra when it comes to investing is that if it sounds too good to be true, it probably is.

Playstation4 sells out in first weekend with gamers told orders made two weeks before launch will not arrive in time for Christmas

Launch: The PS4 was launched last week to much fanfare

Gamers were urged to pre-order before the PS4's launch at midnight last Friday and by this morning retailers could no longer guarantee Christmas delivery. This means if you had left your Christmas shopping until now or in time for Cyber Monday, you or your games-obsessed children may well be left disappointed.

Can I cover a big arrangement fee for my buy-to-let mortgage by claiming it back against tax?

To let: There are a lot of items you can offset against your tax bill when renting out a property

I can offset items such as mortgage interest, council tax and ground rent on my tax bill for a buy-to-let. But can I claim for the mortgage arrangement fee?

Hargreaves Lansdown ALMOST reveals new charges: Small investors charged more but platform squeezes cheaper 'superclean' fees from funds

New deal: Hargreaves says it has exerted pressure on fund groups to win 'superclean' prices for customers

Investing giant still won't confirm details but hints at a sliding scale of charges from 0.7% for investors with £10,000 or less, to 0.35% for £1m-plus.

50 ways to save money: Simple steps to cut your regular spend that could clear your debts or boost your savings

Online savings: The internet has been largely a boon for the cost-conscious shopper.

To clear the average national household debt of £13,000 at 6% interest with a monthly repayment of £100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 – updated – money-saving tips may appear light-hearted but are deadly serious.

Get saving now: This is Money's five favourite best buy cash Isas for 2013

number 5

A new tax year means a fresh Isa allowance to save. We pick our five favourite cash Isas for savers, don't miss this essential Isa reading that is kept up-to-date throughout the year.

Top 20 most reliable investment trusts: Strongest over ten years

Top of the league: AIC analysed investment trusts to find the 20 most reliable and strongly-performing contenders of the last decade

The Association of Investment Companies has analysed all investment trusts to find the 20 strongest and most consistent performers of the last decade.

Ten first class dividend shares to boost your income investing

First class shares: Broker Killik picks its ten top dividend payers to rival Royal Mail shares.

Royal Mail investors were attracted by the lure of a bumper dividend of 6 per cent or higher. But there are lots of household names with a good dividend yield.

Five of the best income funds and investment trusts to build your wealth

End of an era: Neil Woodford is leaving Invesco Perpetual to set up his own firm

Neil Woodford is stepping down from his funds where he is Britain's favourite manager. We pick five alternative income funds and trusts worth a look.

When will interest rates rise? Bank says unemployment target could be hit in 2015 - but that still may not trigger an increase

When will interest rates rise? The Bank of England's November inflation report shows money markets suggesting mid-2015 and economists later that year.

The bank rate is at a rock bottom 0.5%, and one day it must rise. The big question is when? We explain the factors that will decide when interest rates rise and how quickly, including the latest forecasts from markets and economists. The Bank of England now says the stronger than expected recovery could see the 7 per cent unemployment benchmark arrive sooner.

Ten tips for buy-to-let: the essential advice for property investors and pick of the mortgage rates

Hand holding model house to let

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Read our top ten buy-to-let tips

The props for record low home loans are being removed, so should you fix now? What next for mortgage rates?

In luck: Borrowers have seen the best fixed rates fall to new record lows - but they should beware big fees.

The Bank of England will dramatically scale back the Funding for Lending scheme, but lenders still have some astonishingly low rates on offer.

What next for house prices: Property tipped to rise 25% over the next five years, but what will happen near you?

Forecast: Savills has released its five-year house price outlook, tipping average values to go up 25%.

As house price inflation picks up, Savills has released its forecast for areas across Britain. We analyse the latest figures and the prediction for where you live.

Compare your pay to the national average in your job: League table of official UK salaries across 400 trades and professions

Best paid jobs: Where would the hard workers of Call the Midwife sit in the pay league?

Midwives in the UK get paid on average £29,248: so where does your salary fit into the national league table, and how does it compare to the average in your profession? Our table lists hundreds of Britain's jobs from company executives and doctors to van drivers, waiters and textile machine operators.

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December 2013
Prize value Winning bond No. Area
£1,000,000 194NG757751 Leicestershire
£100,000 195GC315228 Barnet
£100,000 15ZA606741 Kent
£100,000 149AS524840 Dorset
£50,000 184BF854282 Kent
£50,000 129VF152496 Lincolnshire
£50,000 171DR090685 Tyne and Wear
£50,000 200DV686109 Greater Manchester
£50,000 185MV145988 Oxfordshire
£50,000 205AV138315 Wiltshire
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MOST READ ON MONEY THIS WEEK

Premium Bonds winners

December 2013
Prize value Winning bond No. Area
£1,000,000 194NG757751 Leicestershire
£100,000 195GC315228 Barnet
£100,000 15ZA606741 Kent
£100,000 149AS524840 Dorset
£50,000 184BF854282 Kent
£50,000 129VF152496 Lincolnshire
£50,000 171DR090685 Tyne and Wear
£50,000 200DV686109 Greater Manchester
£50,000 185MV145988 Oxfordshire
£50,000 205AV138315 Wiltshire
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