Scale of challenge facing Tesco's new boss Dave Lewis laid bare after retailer posts 5.5 per cent slump in second quarter sales - the worst performance in more than 40 years

Weary investors, who have already seen the shares fall 53 per cent this year following a barrage of bad news, wiped 6.6 per cent or 12p off the stock, which closed at 171p. The slump in revenue contributed to a 91.9 per cent fall in pre-tax profit to £112m for the 26 weeks to August 23. Around £500m in one-off charges linked to restructuring the business accounted for the rest.

UK growth to slow for third quarter as eurozone malaise weighs on economy

A shopper carrying shopping bags on London's Oxford Street. 

Shoppers stocking up on coats, boots and knitwear as the weather cooled in September helped retail sales return to growth, a trade association said today. 


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File photo dated 06/12/11.

PRESS ASSOCIATION Photo. Issue date: Tuesday October 9, 2012. Retail sales values were up 1.5% on a like-for-like basis last month, the British Retail Consortium (BRC) said, compared with a 0.4% drop in August. See PA story ECONOMY Retail. Photo credit should read: Dominic Lipinski/PA Wire

Analysts expect official data out tomorrow to show that Britain's gross domestic product increased by 0.7% or 0.8%, down from 0.9% in the second quarter.

Driverless cars will hit British roads next year and Transport Minister says the technology will be 'life-changing' for blind people and parents

Automated heaven? Owners of driverless cars will be hoping for a smoother ride than Arnold Schwarzenegger's character got in the 1990 film Total Recall.

Blind people and school run children - without their parents - could be among the first to enjoy the 'truly transformational' benefits of driverless cars on UK roads, Transport Minister Claire Perry says.

Sharp slowdown in London property forces Foxtons into profit warning as mortgage approvals fall to lowest level for more than a year

Foxtons has seen a 'sharp and recent slowing of volumes' in London property sales following a bumper nine months to June, the estate agent reported this morning. It comes as BBA figures this morning show mortgage approvals for house purchases fell for a third month running to hit a 14-month low of 39,271 in September.

Larger inheritance pots 'don't widen wealth gap between rich and poor households' - think-tank

St. Mary's Church, Whitby with evening light illuminating the gravestones

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Inheritances have less of an impact because they make up a lower proportion of a household or individuals entire wealth research by the Institute for Fiscal Studies has found.

Less than one in five Britons have faith in pensions - and about half are confused by new rules

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Only 19 per cent of the 2,200 people polled by consumer group Which? said to have trust in pensions and other long-term investments.

Lloyds set to axe a further 9,000 banking jobs - or a tenth of its workforce

A general view of a sign board for Lloyds Bank as the bank is to axe 645 jobs and close a telephone banking centre under fresh cost-cutting moves, a union has revealed
Unite attacked the cuts and said it would press for a guarantee of no compulsory redundancies. Over 2,400 jobs have gone at the taxpayer bailed out bank since the start of the year leading to "plummeting" staff morale, said Unite.

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File photo dated 18/03/14 of a general view of a sign for Lloyds Bank as the bank is to axe 645 jobs and close a telephone banking centre under fresh cost-cutting moves, a union has revealed. PRESS ASSOCIATION Photo. Issue date: Wednesday May 21, 2014. 
See PA story INDUSTRY Lloyds. Photo credit should read: Andrew Matthews/PA Wire

The bank, which is still 25 per cent owed by the taxpayer, has already axed about 30,000 jobs since it was bailed out by the Government during the 2008 financial crisis.

SIMON LAMBERT: Is it time for a northern supercity? Why ManSheffLeedsPool could be the answer to our skewed economy

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A fighting force combining the might of our northern powerhouses has emerged as part of the solution to Britain's dangerously Londoncentric economy.

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MARKET REPORT: Shares of TalkTalk Telecom buzz up to 295.5p before closing 8.7p better at 291.5p on revived bid speculation

Brokers' telephone lines were red hot with gossip that mobile phone giant Vodafone (2.75p up at 196.85p) is lining up a cash bid worth £4.3bn or 450p a share for TalkTalk. Any interested party would obviously have to get agreement from Carphone Warehouse founders Charles Dunstone (chairman of TalkTalk) and his school pal David Ross, who still hold around 43 per cent of the group's equity between them. Word is Dunstone is willing to talk turkey with any interested bidder, but would only be a seller if the offer price exceeded £5 a share.

ALEX BRUMMER: How new boss Dave Lewis intends to sort out his inheritance at Tesco is still unclear

The analyst community appears to have convinced itself that disposals of up to £10bn could be on the way.

France's troubled economy 'remains stuck in reverse' as businesses cut jobs at fastest pace for year and a half

The purchasing managers' index of private sector activity - where 50 is the cut-off between growth and decline - fell from 48.4 in September to an eight-month low of 48.

Premier Foods blames Aldi and Lidl after profits warning that wiped 15 per cent off company's value

The food group behind Mr Kipling warned of exceedingly poor trading as most ranges, including Oxo cubes and Bisto gravy, are only stocked in large supermarkets.

Debenhams becomes latest casualty of warm autumn as profits drop 20%

The company said its performance improved in the second half, helped by its strategy of cutting back on promotions and targeting more full-price sales.

Weak overseas demand knocks Unilever sales to weakest level in almost five years

Unilever reported a 2.1 per cent rise in underlying sales growth for the third quarter of this year, which was below City expectations for a 3.7 per cent increase.

Clean your iron with toothpaste and cook with Pyrex: Six ways to cut your energy bills by making your appliances more efficient

We've come up with a list of five easy kills that could cut your energy bills simply by tweaking your household appliances. Just a bit of white toothpaste will make your iron more efficient, a few water bottles will cut the cost of running your fridge, and set aside half an hour and you're central heating will be running more smoothly.

Football World Cup makes up for McIlroy's golfing triumphs as bookmaker Ladbrokes gets back on track

The firm, which has been struggling to keep pace with rival William Hill in the growing online market, benefited from favourable results in the World Cup and a good start to new football season.

Are you the boss? Average household spends £4,000 each year on a network of 15 self-employed workers

Households spend an average of £4,000 a year on self-employed workers - with a network of fifteen people ranging from a plumber to an accountant on call, a new survey claims.

GlaxoSmithKline plans £17bn float for HIV drugs business to create new FTSE 100 giant

GlaxoSmithKline headquarters in Brentford, London

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Shares in GSK jumped 2 per cent after it offset declining third-quarter sales with news of a £4billion return of cash to shareholders and the potential partial float of its HIV unit ViiV.

Fly to the US for less than £100 (if you don't mind stopping in Iceland): Airline set to start Boston and Washington routes from March 

The Wow Air flights, which will take off from Gatwick in March for just £99 one-way, stop off in Iceland before heading to Boston or Washington.

Boomerang generation who don't fly the nest cost parents £1.2k a year - forcing a third to cut spending on basics

The research comes as figures from the ONS showed that more than a quarter of adults between 20 and 34 are still living with parents, and a fifth of students opt to stay at home while studying. The study from the Centre for the Modern Family found parents with a full nest of grown-up children report their household spending is around £460 per month, £100 a month more than those with an empty nest.

Interest rates to stay at rock-bottom until mid-2015 as Bank policymakers fear stagnating growth

Pedestrians walk past the Bank of England in the City of London May 15, 2014. Bank of England policymaker Ben Broadbent said on Thursday it was not surprising that Britain's housing market was recovering along with the rest of the economy and he did not see troubling levels of credit growth.  REUTERS/Luke MacGregor (BRITAIN - Tags: BUSINESS REAL ESTATE)

All but two policymakers voted against a rise in the bank rate from its record low of 0.5%, with economists shifting predictions of a first hike to mid or late 2015.

Not the 'sick man of Europe' any more: How UK manufacturing output has increased since the 1970s despite 60% fewer workers

Job flows out of the manufacturing sector 2001 - 2013: Former manufacturing employees have moved to many different sectors

Manufacturing output has steadily increased since 1978 despite a 60 per cent fall in the total workforce, contradicting the view that the sector is disappearing.

How to use your pension pot like a bank account: In just 166 days, the way millions of savers plan retirement will change forever

Pension freedom changes that were first announced in this year's Budget are coming into force and will radically alter the landscape for the savers who would previously have bought an annuity. We look at the different ways you''ll be able to take your pension in our easy-to-follow guide to next April's retirement revolution - even if you do want to buy a Lamborghini!

Another hammer blow for pensioners: Chancellor promised special bond to boost income of older savers - but there's a catch

The long-awaited Pensioner Bonds being launched by the Government in January will not pay monthly income. The bonds, which were a key policy in Chancellor George Osborne's spring Budget to help the over-65s boost their income, are set to go on sale through National Savings & Investments (NS&I;) in a little over two months. Mr Osborne promised these would pay top rates - and as a result billions of pounds of pensioners' money is thought to be poised to pour into them.

'I owed nothing but they sent debt collectors': When will our energy watchdog stand up to the shambolic power giants?

Baffling: Hundreds of readers have got in touch with problems concerning billing, switching and poor customer services

It's got an £83m budget and 878 staff - but Ofgem can't stop the diabolical treatment suffered by thousands of customers. We expose the diabolical treatment that Britain's biggest energy firms are dishing out to loyal customers. Despite scrutiny from the Government and criticism from campaign groups, they continue to abuse households who pay them thousands of pounds a year. Stuart Palmer (pictured) was chased by debt collectors after trying to switch from Npower to Scottish Power more than a year ago.

Guidance, advice or just a bit of information? The pensions freedom help you will get - and why it's caused a storm

The Chancellor promised people affected by pension freedom reforms would be offered free guidance sessions - but how helpful will this actually be?

Pension freedom reforms offering access to lifetime savings could create 'open season' for fraudsters, warns industry expert

The Government is being urged to introduce new anti-fraud measures to stop scammers using pension reforms as cover for plundering savings pots.

Students targeted by loans firm that charges interest of up to 15.5% - plus a 6.5% set-up charge

New graduates from Portsmouth University. Students starting university this autumn will graduate with almost £25,000 worth of debt, research suggests. Undergraduates now owe on average £5,600 for each year of study. The Push Student Debt Survey, which questioned 2,000 students reveals university debt is still rising year on year. File photo dated 16/07/08. PRESS ASSOCIATION Photo. Issue date: Friday August 13, 2010. See PA story EDUCATION Debt. Photo credit should read: Chris Ison/PA Wire

Students are being targeted by a loans firm that charges them interest of up to 15.5 per cent. The firm says it is offering then as an alternative to payday loans.

EU green targets could add £150 to energy bills: Brussels wants UK to slash carbon emission by 40% by 2030

The Prime Minister will travel to Brussels this afternoon to debate stretching new targets that will require Britain to slash carbon emissions by 40 per cent by 2030.

Savers face another year of low returns before first rise in base rate - and when increases do begin, it will be slow

Andrew Haldane, chief economist at the Bank of England, said: 'Interest rates could remain lower for longer, certainly than I had expected three months ago.' Forecasters at Centre for Economics and Business Research warn savers could wait another 12 months for base rate to rise from 0.5 per cent, where it has been frozen since March 2009.

Car insurance prices rise for first time in two years as clampdown on 'cash for crash' claims fails to deliver savings

Car insurance went up for the first time in more than two years - and the trend is expected to continue. The average cost for an annual comprehensive motor insurance policy rose to £531 in the last quarter.

Savers misery continues as cash Isa rates plummet by 26% in the last 12 months

A Union Jack piggy bank smashed

Savers have suffered a series of cuts and cash Isas have been hit the hardest. The average rate on these tax-free accounts has tumbled by 26 per cent over the past 12 months.

Revealed: The top ten online scams - and how one victim lost his money to fraudsters who conned all his Facebook friends too...

The ten biggest online scams lost victims across the country £670million over the last year - and this figure is likely to be far higher due to unreported cases, National Fraud Intelligence Bureau data reveals. The case of a victim known only as Chris, who had thousands stolen by fraudsters who rang his bank to gain details and also conned his Facebook friends into sending money too, is highlighted by Get Safe Online Week.

Equity release mis-selling complaints rocket as over 55s try to fund retirement

An old age pensioner worrying about bills

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Complaints about mis-sold equity release schemes are rising as homeowners aged over 55 borrowed a record £1billion against their property in nine months, according to the Financial Ombudsman.

Calls for payday lenders to offer more debt advice as industry reveals a third of people it declines turn to loan sharks

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The payday industry launched an attack against new regulation from the consumer watchdog today, claiming that stricter lending rules have actually been detrimental to many households.

INVESTMENT CLINIC: How should I invest a £15,000 lump sum?

If you don't like risk and couldn't bear to lose any money, it's probably best to avoid emerging markets such as India and China, or commodity funds that invest in gold or oil, says Holly Black. But most people like the chance to grow their cash as well as getting some income from it, too.

MARKET REPORT: Growing returns at Plant Health Care as buyers pile in

Entrepreneur and major 17 per cent shareholder Richard Griffiths pulled off a coup when he installed Chris Richards as non-executive chairman of Plant Health Care in August 2012. Dealers heard that Arysta LifeScience had succumbed to an agreed £2.24billion offer from Platform Specialty Products backed by London-based private equity firm, Permira. The news prompted hopes that Richards will now weave his magic at Plant Health Care and transform it into an attractive takeover target. Buyers piled in and the close was 6.6p or 9 per cent higher at a year's peak of 81.5p.

Former Co-op Group boss Euan Sutherland to lead struggling Superdry

sutherland to lead superdry.jpg

The surprise hiring of retail veteran Euan Sutherland, comes after the firm has struggled with life as a public company.

Mobile giant EE trumpets its 4G success as superfast internet sales soar 

EE said it had attracted 5.6million customers to sign up for its 4G -fourth generation - service, including 1.4million in the last three months.

Homebase set to close a QUARTER of its stores because younger generations don't DIY

EASTER SHOPPING IN GARDEN CENTRES AND D.I.Y. STORES - SHOPPERS AT HOMEBASE CENTRE, ALTRINCHAM, CHESHIRE.
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The group said Homebase had a number of stores which were 'either unprofitable or in decline'. It plans to shut 80 by early 2019.

Music boss who can't sing a note: Down-to-earth BMI chief Mike O'Neill keeps stars sweet as he fights for their rights

Mike Oneill Graphic.jpg

After two decades working his way up the ranks of Broadcasting Music, Inc (BMI), O'Neill has wound up running the world's largest distributor of music rights.

Billionaire investor Warren Buffett hit by third major loss in recent weeks

He called his investment in Tesco a 'huge mistake', while IBM saw its stock slip after its third quarter profits were almost wiped out. And now Coca-Cola's sales have fallen short of expectations.

ASK TONY: My 95-year-old mum was mis-sold a £175K investment bond by a shark adviser - and now Skandia won't let her leave without a £1,750 charge!

ASK TONY: The product is manifestly inappropriate and I feel that the levy of a penalty on a mis-sale is contrary to obligations that investors should be treated fairly. Unfortunately, Skandia refuses to budge and insists that there is nothing wrong with the product itself, which is true. I would be happy to pay a charge commensurate with the investment, but not this blatant rip-off!

Savers think they need £23k a year for a comfortable retirement - which would empty the average pension pot in five years

A vast gap between retirement aspiration and reality is evident in a survey showing people are only saving enough for a pension pot paying out £6,011 a year in old age.

JAMES CONEY: It's time for the authorities to crack down on energy firms' blunders that make customers' lives a misery

The case of Stuart Palmer is typical of the kind that regularly fills our postbag about energy firms. All he wanted to do was switch provider. But somewhere along the line his supplier botched it.

'We discovered our new home's work guarantees weren't worth the paper they were written on': How to protect yourself from costly bills after you move

When she moved into a new house in North Yorkshire last summer Linda Harrison got the usual big pile of paperwork from her solicitor. When she discovered a conservatory roof was leaking recently, she hunted through it for the guarantee but unfortunately when it came to the time to claim it turned out not to be worth a thing.

Investors plough record amounts into investment trusts - but DIY investing flaw means they may miss out on best deals

Investment trusts are booming, generally outperforming their fund counterparts since the financial crash. Over the past five years the average UK equity income fund has returned 65 per cent, while a typical similar investment trust has returned 85 per cent. It appears investors are cottoning on to this success but many may be missing some crucial information.

Tesco's bullying tactics: Supplier tells Mail of harsh treatment by powerhouse

Tom Salmon has experienced first-hand the relationship between the grocer and some of its suppliers that is being examined in an internal probe.

Rattled luxury car owners hit hardest by axle and suspension damage from Britain's pothole-ridden roads

A clutch of luxury vehicles dominate the list of vehicles most likely to have to claim for suspension damage triggered by Britain's crumbling roads, research has revealed.

Fancy the perks of private banking but don't have a six-figure salary? Investec drops minimum income by HALF - but you still need £75k a year

Private banking is usually the reserve of the six-figure salary club. But Investec has a new private banking account for those on a salary of £75,000. Is it worth taking out?

MARK SLATER: Six undervalued shares with the potential to become takeover targets

Takeover targets can prove highly profitable investments, but it is always best to be positioned in a stock before it becomes the subject of bid rumours, says leading fund manager Mark Slater. It is much better to stick to your tried-and-tested investment approach and first identify an undervalued share and big isn't always beautiful. He reveals six shares with potential that he likes and explains why.

House prices now rising faster in the South East than London, as Brighton, Southampton and Luton are tipped as the three hottest future locations

A stock photo of tourists enjoying the sun on Brighton Beach with Pier in the background. Image shot 06/2008. Exact date unknown.

A ripple effect is occurring as cash-rich Londoners move out of the capital and buyers seek better value for their money and more affordable properties, Rightmove's latest monthly report said.  

A quarter of shoppers have faced problems with an online delivery - and late deliveries are the biggest gripe

A449DM Damaged parcel with fragile tape. Image shot 01/2007. Exact date unknown.

One in four shoppers have faced problems with online deliveries in the past 12 months, with millions having to put up with late deliveries, no shows and damaged goods, research reveals.

I lent a friend £6,000 but he stopped making repayments - can I take him to the small claims court if there was no contract?

I lent a friend £6,000 so he could get his finances in gear and to help him start a business when he left his job. He was paying back £600 a month, which dropped to £500, and then stopped altogether. Now he just tells me he is 'trying my best'. I have already given him an extension. This has been going on for almost two years. I would like some advice on the best and cheapest way to proceed if he does not pay the money back.

Councils give entrepreneurs £7m leg-up by investing in small firms through lend-to-save pioneer Funding Circle

(left to right ) James Meekings, Samir Desai and Andrew Mullinger, founders of The Funding Circle.
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The Local Business Lending Partnership scheme, which enables UK authorities to invest in start-ups and SMEs in their area for a return.

Fed up of the cost of trains? CommuterClub joins forces with lend-to-save site Ratesetter to help commuters save money on travel

Unpleasant: Crowded commuters are fed-up of expensive tickets

CommuterClub was set up to make annual travelcards more affordable and convenient for all commuters (even those who don't have access to a scheme from work)

Price comparison websites 'hide cheapest energy deals', claims rival as it calls for sites to come clean on commissions

Grab from Confused.com advertisement shows Brian the Robot.


Brian the robot seen in grab from Confused.com advert

The Big Deal, said households are not able to see about a third of deals if they choose to compare only deals to which they can switch to instantly.

How to get a mortgage when you're self employed: Four steps to avoid getting locked out of the property market

Julie Croney got a mortgage while self-employed

The Office for National Statistics says that more than 4.6 million people are now self-employed - but new research suggests that almost half will struggle to get on to, or up, the housing ladder. Specialist lender Precise Mortgages says four in ten self-employed people state their decision to work for themselves has made it harder to get a decent mortgage. A specialist lender helped Julie Croney (pictured) get the mortgage she needed when she bought her first home earlier this year.

Why is my London Mint coin collection only worth a tenth of what I paid?

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I bought a collection of reproduction British coins from the London Mint Office for £2,500 to £3,000 and was devastated to find they are only worth a tenth of what I paid for them.

Is gold set for a bull run? Market falls, Diwali and Swiss vote on buying more of the metal next month could cause a boom in prices

Gold prices could be set for a boom in the coming weeks as market jitters, Diwali celebrations and the Swiss potentially buying the precious metal in bulk creating high demand.

Moving day agony as glitch in Bank of England system used by house purchase payments stalls home completions

Estate agent's sold sign outside a house

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Moving day got a lot more stressful for some people today as payments for house purchases were hit by a glitch in Chaps transfers.

Why has my credit score fallen from excellent to good because I successfully applied for a mortgage?

I got a copy of my credit report from Experian which said that my score was 916 and good but not excellent. The negative factor was that I had recently opened an account.

You don't need to wait to find out whether inheritance tax gets cut: Six vital steps to help you avoid IHT 

Inheritance tax is back on the political agenda. Last week, Prime Minister David Cameron said the much hated 'death tax' should only be paid by the 'very wealthy'. Jeff Prestridge canvasses opinion on whether inheritance tax should now be overhauled. He also looks at legitimate ways in which the 40 per cent tax can be avoided, outlining six key steps for readers - including our case study Bridget Jones (pictured).

SMALL CAP SHARE IDEAS: Double value at PowerHouse as it recycles everything in one go and processes it into power or fuel

Recycling wheelie bins in Harrow, Middlesex. 


Councils will be stripped of the ability to impose fines on householders who break minor bin collection rules, the Government is expected to announce. Under changes to the law included in the waste review being published next week, town halls will only be able to issue fixed penalty notices to "neighbours from hell" who allow rubbish to pile up, or those who fly-tip.

PRESS ASSOCIATION Photo. Issue date: Saturday June 11, 2011. See PA story ENVIRONMENT Waste. Photo credit should read: Anthony Devlin/PA Wire.

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It can processes recyclable and non-recyclable rubbish and organics using the same basic technology. And it is able to do so at a fraction of the cost of traditional waste disposal.

PROFESSOR MOORAD CHOUDHRY: Low rates and money-printing are a dangerous interest-free loan for the economy

The current situation is not only unsustainable but ultimately dangerous for the economy. QE is the left hand lending money to the right hand, says Professor Moorad Choudhry.

The chart that shows UK shares are near the cheapest they've been in 40 years - but could the Footsie still slide to 5,000?

Cape chart

The FTSE 100 bounced today at the end of a bad week, but the question on investors' lips is whether this correction is a buying opportunity or the start of something much worse. The CAPE chart pictured highlights how the UK market is near the cheapest it has been over almost 40 years. Yet while shares may be cheap they also carry a sizeable risk of falling much further. Simon Lambert takes a look at the investor's dilemma.

Tackle limescale, get a fleece for your walls, change your light bulbs and switch energy supplier: How to knock £1,000 off your energy bill

From changing the light bulbs to home insulation, here are six steps to save a fortune EVERY year. The charity Energy Saving Trust is launching Big Energy Saving Week to highlight the value of making your home more energy efficient. Here, we provide an essential six-step guide to knocking more than £1,000 off your annual energy bill. Sally and David Taylor paid for a thermafleece for their walls.

'In a game of Russian roulette - is it best to go first or second?' - Fifteen of the toughest (and weirdest) job interview questions

We may have the answer to 'what is your biggest weakness' up our sleeves for an emergency, but what would you say if you were asked how many planes there are in the air? We have compiled 15 of the toughest questions job candidates have been asked at interview, taken from the website glassdoor.co.uk. Here job seekers can share questions they claim to have been asked in interview, tips for the interview process and any other advice when going for a job at a particular employer.

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

50 ways to save money: How to cut what you spend and put more in your savings

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.

How to choose the best (and cheapest) DIY investing Isa - and our pick of the platforms

DIY investing: How to pick the best platform for you.

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

The cheapest DIY investing Isas and Sipps for fund investors

Fees: Platform charges can eat into your returns

We reveal how much it would cost you in both pounds and percentage terms to invest an Isa or pension in funds through the best known DIY investing platforms.

INVESTING TIPS: Fund and trust ideas for beginner and cautious investors

Starting out: Fund tips for beginner or cautious investors

If you are new to investing then the huge number of funds and investment trusts on offer can be confusing. Fortunately, This is Money's experts have some ideas to get you started.

INVESTING TIPS: Top fund and trust ideas for income investors

Income investing: Dividends can deliver both a healthy boost to long-term growth and a way to earn from your investments.

Income investing can let you draw on your portfolio or reinvest dividends to build solid growth over time. Our experts give their fund and investment trust recommendations.

INVESTING TIPS: Top fund and trust ideas for emerging markets

On the up: Emerging markets such as Brazil are where much of the world's growth is expected to be over future years.

If you're looking to add some flair to your investing Isa with emerging markets, This is Money's experts have some ideas to get you started

When will interest rates rise? Triple whammy of low inflation, growth fears and market wobbles send first rate rise forecast back to mid-2015

Will slow and steady win the race? The Bank may have to raise rates sooner than planned, one MPC member has hinted.

Expectations of a first interest rate rise have dramatically shifted back to summer 2015, after a triple whammy of low inflation, growth fears and stock and bond market wobbles hit. The Bank's chief economist Andrew Haldane said today he was now more downbeat about the outlook for Britain's economy. 'Put in rather plainer English, I am gloomier,' Mr Haldane said. 'This implies interest rates could remain lower for longer, certainly than I had expected three months ago.'

Our savings picks: This is Money's five favourite best buy cash Isas for 2014

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From 1 July, savers will be able to save up to a whopping £15,000 tax-free - all of which can go into a cash Isa. 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.

Looking for a better bank? This is Money's five of the best current accounts

Best five: which current accounts offer the best perks?

How hard does your bank account work for you? Here's our pick of the best accounts to make your money work harder, cut down on fees, or get free stuff.

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

Buy-to-let: Ten things you need to consider before investing

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

Rising house prices could give some homeowners the chance to grab a cheap mortgage. What next for mortgage rates?

Lock in a five-year fix now: The bank rate could rise as early as next year, which would send mortgage rates up

While some may be left kicking themselves that they didn't take advantage of super low rates, there are still plenty of opportunities around. So should you fix?

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.

Premium Bonds winners

October 2014
Prize value Winning bond No. Area
£1,000,000 218BB905048 Surrey
£1,000,000 116HA600049 Coventry
£100,000 78JR486479 Buckinghamshire
£100,000 223GR446624 Cumbria
£100,000 204DL520651 Hertfordshire
£100,000 104GT163281 Cumbria
£50,000 71WF405709 Gloucestershire
£50,000 44BX112207 London
£50,000 224GH052788 Croydon
£50,000 217GL977646 Hereford and Worcester
£50,000 201GL302787 Surrey
More Premium Bonds winners
   

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