Half UK's bank customers have less than two months' wages stashed away for a rainy day

Half of British households would struggle if they faced a big emergency bill and would probably be forced to turn to credit, research shows today. Despite a healthier labour market, recovering wages and improved consumer confidence, the research found that a third of bank customers did not even have a month's wages stashed away.

Barclaycard is the first to offer interest free credit for THREE YEARS with the launch of longest ever balance transfer card

2006 Barclaycard Classic VISA

The move has put the provider firmly ahead of its competitors after months of steadily increasing interest-free promotions among credit card providers.

Struggling to sell your home? Raffle it, throw in the car or maybe ten rare sheep - and other unusual property sale tactics...

Property sellers are turning to eccentric gimmicks in a bid to find an edge when selling their homes. Some are raffling their property, others are trying to entice buyers by throwing in an expensive car and even rare shhep have formed part of the bargaining tools

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MARKET REPORT: Old world Intercontinental Hotels outperforms new boys in battle of FTSE 100 with 30% surge in a year

This is double the 14.57 per cent increase managed by Microsoft, and half the 60 per cent of stock market star Apple. The Buckinghamshire-based firm (down 1.65 per cent or 45p to 2,620p) is expected to hit earnings targets when it delivers its full year results this Tuesday. Chief executive Richard Solomons will say the hotelier has benefited from the strength of the dollar and continued strong trading in America and Europe.

Lloyds boss to pick up a £7million bonus funded by taxpayers... and that's on top of his £4million pay packet

Lloyds is expected to rush out details of the bumper shares windfall for chief executive Antonio Horta Osorio when it publishes its annual results at the end of the month.

RUTH SUNDERLAND: Toxic timing makes £7m bonus for Horta-Osorio politically tricky

Antonio Horta-Osorio CEO of Abbey Bank.
. REXMAILPIX.

Despite nursing taxpayer-owned bank Lloyds back to health a £7m bonus for Antonio Horta-Osorio would be politically toxic

ALEX BRUMMER: Rolls Royce to engineer a softer landing by cutting costs in 2015

Expo visitors look at a Rolls Royce engine Trent 1000 at the ILA Berlin Air Show 2014 in Selchow, Germany on 20 May 2014. 


The aerospace and defence industry exhibition takes place at the southern area of Berlin-Schoenefeld airport from 20 till 25 May 2014. Photo: BERND SETTNIK/DPA/Alamy Live News This is an Alamy Live News image and may not be part of your current Alamy deal . If you are unsure, please contact our sales team to check.
Alamy Live News. E0XBY0 Selchow, Germany. 20th May, 2014.

Rolls Royce plans to bounce back in 2015 by cutting costs and controlling currency fluctuations

When will interest rates rise? 'Deflation report' delivers hints of no rise until spring 2016 - but economists warn against banking on that

Interest rates will not rise until spring 2016 if the UK economy stays on its current course, the Bank of England has hinted. The Inflation Report delivered an upbeat take on the current low inflation environment, with Mr Carney suggesting this would be 'unambigously good' for the economy. That led economists to caution that a rise may come sooner if the Bank's buoyant outlook for the economy arrived.

The Diary of a Private Investor: Why I like investment trusts and think FlowGroup's energy-generating boilers can fuel returns

In the latest instalment of his Diary of a Private Investor, John Rosier reveals his January moves and why he likes US small companies and Europe through investment trusts. The investor also bought into potentially revolutionary boiler company FlowGroup. He explains his thinking

Nationwide profits double to nearly £1bn in just nine months as it tempts in 340k new current account customers

Nationwide Building Society said 339,000 customers opened new current accounts in the nine month period, up 22,000 on the same period the year before.

The mortgage that comes with its own rate rise: Barclays launches stepped fixed deal where costs rise after first year

Barclays is now offering a range of stepped mortgage, which depending on the way you look at it either comes with reduced costs for the first year - or its own rate rise.

Surging sterling means even Sweden is 20% cheaper for UK holidaymakers than last year - but watch out for the Caribbean and the Middle East

Package holiday booking are cheaper and Britons are getting 12 per cent more euro at forex bureaux than they were in February 2014. Sterling yesterday hit another new high against the euro, with rate breaching €1.35 - a level not reached since January 2008, when the pound was plunging against the euro during the financial crisis.

Pound soars against the dollar and the euro as UK economy grows at fastest rate for more than a decade

TUC Congress at BT Convention Centre Liverpool, Merseyside - Governor of the Bank of England Mark Carney gives his address to congress.

The Bank estimated that the economy grew by 3.1 per cent in 2014 - stronger than the 2.6 per cent rise reported by the Office for National Statistics and the best performance since 2003.

We missed our Ryanair flight to Germany because of a Stansted power cut. Why were we offered replacement flights to Holland?

We were due to go on a family Christmas break to Germany, but we missed our flight because a power outage meant there was no information about our flight's status.

Price of a loaf of bread rises by 11,000% in the past 100 years thanks to inflation - and will hit £150 by 2115 if prices rise at the same rate

The value of money has plummeted by 99 per cent in the last 100 years, new research from Lloyds Bank Private Banking reveals. Just  £1.11 in 1914 would provide the same spending power as £100 today, with the purchasing power of cash falling by an average of 4.7 per cent a year. While the value of money declined through the ages, the price of everyday items has soared, with the cost of a loaf of bread soaring by over 11,000 per cent since 1914.

Half-a-million British drivers dodging speeding tickets in France each year will soon face punishment after EU approves cross-border fines

British motorists who speed while driving their own cars on the continent will no longer be able to dodge fines after a new EU directive was unanimously approved.

London house prices decline and are tipped to keep on falling, while the rest of the UK sees property values rise

London was the only region in the UK to see prices fall last month, according to the latest RICS report, but the overall UK market is cooling.

SIMON LAMBERT: Don't fear the effects of deflation, we've been feeling them for years

Economists tell us that deflation is the stuff of nightmares, especially as the West's consumer economies spent all night gorging on debt before heading for a nap. The Bank of England's quarterly inflation report may prove to be a deflation report, with a forecast of negative CPI in the months to come. I'm not so sure we need to worry.

How low can they go? Chelsea BS makes latest cut as five-year fixed rate mortgages are pushed down towards 2%

Chelsea Building Society has launched a five-year fixed rate at 2.19 per cent, now the lowest priced deal on the market for those looking for a longer term fix.

Experts predict 'damp squib' cash Isa season as banks don't need savers cash - but will rates really not rise until 2025?

Cash Isa season was once a period of time in which banks and building societies scrambled for savers money. However, the last few years have been lacklustre for tax-free savers.

Do we really need to pay thousands to chartered surveyors and lawyers to buy our freehold when it is only worth about £4k? 

My co-leaseholder and I are thinking of buying the freehold of the house that contains our two flats, which is owned by a third-party freeholder. Can we avoid paying up to £3,000 in fees to lawyers and surveyors and just put in a lowish offer to the freeholder without serving notice, in the hope that they bite? Can we serve notice without a lawyer?

ASK TONY: Air France lost our suitcase and we are still out of pocket for emergency clothing 

The suitcase is still missing and we are out of pocket for emergency clothing. On top of this, we have lost everything in the suitcase.

ALEX BRUMMER: Premier League rights deal bad for Sky, bad for consumers and bad for football

It is time the authorities took a look at a bidding process under which a couple of near monopolists can exclude everyone else by paying bonkers prices.

Are top traders born or made? Tim Price on how the film Trading Places shows anyone can win in the markets - but it's not easy 

Tim Price, director of PFP Wealth Management explains there are real life examples where people have made money from turtle trading, or momentum investing.

We bought our child wellies and they started leaking within a month - does that mean we can demand a refund? 

I bought a pair of purple children's welly boots from the Trespass store in Perth last year. They were worn 6-7 times over a month and then developed a hole in the heel allowing water to penetrate. The boots were relatively inexpensive, about £15, but for them to last such a short time and to experience such shoddy after sales service is extremely frustrating.

SMALL CAP MOVERS: Oil industry firms are the two biggest losers in AIM 100 index as Gfinity leads the way for 'new media' 

If not quite Fifty Shades, AIM's volatility regularly provides wealthy individuals with a mix of pain and pleasure. Unfortunately for firms like Max Petroleum, Trapoil and Tangent Communications there no safe words this week - as they lost close to 80 per cent, 60 per cent and 40 per cent respectively.

DOGBERRY: 'In true RB spirit of outperformance, we need to sharpen our efficiency' - Rakesh Kappor, CE Reckitt Benckiser

dogberry guilty.JPG

Constable Dogberry in Shakespeare's Much Ado About Nothing mangles every word he utters - and so do many business leaders.

Diamonds sparkle amid Anglo American iron-ore and coal-mining losses 

diamond sparkle graph.JPG

Anglo American posted better than expected results as its diamond business helped cover losses in other areas

Rare Royal Navy £2 coins tipped to be worth a mint in years to come are dished out in change to lucky HMS Belfast visitors

A £2 coin which commemorates the vital role the Royal Navy played in the First World War is set to become one of the rarest coins in UK circulation. Just 100 of the coins have been issued by the Royal Mint in partnership with the visitors' centre at the iconic HMS Belfast, located near Tower Bridge in London.

Loyal customers leaving Barclays after being told they're TOO POOR: Some have been with the bank for 60 years but booted out because they don't earn £75,000

Barclays is facing an exodus from ­customers furious at being booted out of an account because they are not rich enough - despite decades of loyalty. We have been inundated by furious customers after we revealed how Barclays was moving up to 270,000 people from paid-for Premier Life deal into a basic ­current account because they didn't earn enough.

Savage home loan price war slashes thousands off bills: The best mortgage deals revealed

Homeowners who seek to renew or take out a two or five-year fix can make huge savings after falls of more than 40 per cent in loan costs.

Is this the way all retirement homes should be run? When firm running Woodchester village went bust, the residents took charge...

Woodchester in the Cotswolds is thought to be Britain's only mutually run ­retirement community: a village run by its elderly residents, for the residents.

Pension savers can take small pots from old employers with them automatically when they change jobs from late 2016

The new system is aimed at combating the problem of savers building up a backlog of dormant pots, which are easy to lose track of when they move jobs.

'The best ever chance to fix at a low rate': Now 25 mortgages charge LESS interest than an easy access savings account pays

There has never been a better time to be a mortgage borrower looking for a cheap fixed rate with home loan costs at record lows according to Bank of England figures. Mortgage pricing has fallen so low that research for This is Money shows there are 25 home loans priced below the best easy access savings deal - and that only pays 1.5 per cent.

Baffling state pension forecasts scrapped and replaced with 'one figure' version after flood of complaints

Savers who will retire from April 6, 2016, have complained of being ­ baffled by vital projections supposed to show what they will receive.

Savers need to act quickly or risk missing out on the top accounts available now

ICICI has withdrawn its Super Savings internet account after just a few weeks on the market. National Counties' BS Online Saver 3 only launched on January 26, but has already closed.

£780 for a £229 tumbledryer?! MPs urge crackdown on rent-to-own retailers that charge poorest families three times as much to buy household goods in instalments

Retailers such as BrightHouse, PerfectHome and Buy as you View allow the poorest families to buy goods such as televisions, washing machines and beds and pay in instalments rather than upfront. But the high levels of interest they charge mean the poorest households who tend to buy in this way can end up paying more than triple the cost compared to buying upfront, MPs warned.

Petrol prices back on the up! Forecourts quick to react as oil recovers from $45 low to $58

Rising oil prices have resulted in petrol costs nudging up in the last week after a winter of drastic falls which have seen a litre of unleaded teeter near the £1 mark.
according to AA data.

JAMES CONEY: Barclays' closure of Premier Life account shows loyalty counts for nothing - so ditch and switch now

Move to Santander or Nationwide, First Direct or Halifax - whichever suits you best. Do it today and by next Friday Barclays' appalling behaviour will just be a distant memory.

The dividend hunter's best friends: 14 of the best and most consistent income funds revealed

Investors are able to pocket an average of 4 per cent on an equity income fund, research from Sanlam shows. It has highlighted its favourite funds. Returns beat what you could get in an annuity or government bond, but only a select few funds make it into the White List of top 14 performers.

Fund managers slam 'emotive hyperbole' over their investment charges and reject simplification of fees

London ¦ A view of the Swiss Re Building also know as the 'Gherkin', as the famous London skyscraper has been placed into receivership in a move aimed at removing uncertainty over its ownership. PRESS ASSOCIATION Photo. Issue date: Thursday April 24, 2014. The 41-storey office block, officially known as 30 St Mary Axe, was sold to IVG Immobilien for a record £600 million prior to the financial crisis in 2007 but the German property business has been mired in a debt crisis since then. See PA story CITY Gherkin. Photo credit should read: Stefan Rousseau/PA Wire

The body representing fund managers has bemoaned the 'over-emotive' discussion of investment costs after it laid out proposals for better disclosure of charges.

One in three 'active' investment funds are expensive clones of the stock market, claim industry campaigners

UK investment funds that hug the main stock market index but levy high fees for 'active' management are being blasted by campaigners.

Pensioner bonds limit is scrapped as 600,000 savers grab market-beating rates: We reveal what you need to know

Chancellor George Osborne has axed the £10billion inflow limit for the popular pensioner bonds meaning the over 65s now have a set deadline to open them instead. Previously, pensioner bonds - officially known as 65+ Guaranteed Growth Bonds - offered by government-backed National Savings and Investments had a £10bn limit resulting in a mad scramble to bag the bonds when they launched on 15 January.

How much state pension will YOU get? Over-55s can apply for forecasts to help get ready for freedom reforms

The estimates indicate whether workers can get the full state pension when they reach retirement age, but only over-60s have been allowed to apply until now. Over-55s have been impatient for the forecast service to be extended to them, because sweeping new pension freedoms are due to become available to everyone in this age group from April onwards.

You can huff and puff but this house won't blow down! Seven new STRAW homes go on sale in Bristol

Homeowners are being promised fuel bills up to 90 per cent cheaper than in a standard brick-built house and a purchase price below the average cost of a house in Bristol, which is currently £216,500. With over 3.8million tonnes of would-be waste straw going spare in the UK, it is not surprising that a separate straw housing development is currently underway in Cornwall.

Hedge funds pile on short positions against shares of London property stars amid fears the capital's housing market has peaked

Hedge funds are circling estate agents Foxtons and Savills, housebuilder Berkely and online portal Zoopla in the belief that the London property is on the way down.

Contactless spending limit hiked to £30 from September as 'swipe and go' surges in popularity

The limit will be lifted from £20 following a surge in the number of buyers who are happy to pay with just a tap of their card.

Why does it cost twice as much to phone France and Spain on my BT landline as calling Russia and Brazil? 

BT is introducing new call charges, which will mean it costs 20p per minute to call a landline in Russia or Brazil, or 40p to call a landline in France or Spain. Why does it cost more to phone these countries that are further away? Do the other operators price calls in this way as well?

Can't afford a buy-to-let? Now you can snap up crowdfunding shares in a home instead - but beware the risks on these investments

In a bid to cash in on investors who like the idea buy-to-let but cannot raise the deposit, a string of crowd-funding endeavours have cropped up. We take a look at one and its dangers.

Pension freedom - triumph or disaster in the making? How to enjoy the big rewards, and make sure it doesn't go horribly wrong

Pension freedom reforms are just two months away and retirees are eagerly awaiting the opportunity to unlock savings built up over decades.

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.

Revealed: The world's cheapest and most expensive stock markets - and where the UK stands

spt_Cape 3.JPG

We highlight the world's cheapest and most expensive stock markets, measured on three popular valuation tools and where the UK sits.

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? Deflation fears and eurozone QE mean rates may not move this year, as the hawks back down

This has been a big week for monetary policy. The European Central Bank finally announced quantitative easing in the eurozone, with a plan to print 60bn-a-month, while at home in the UK the Bank of England's rate hike hawks backed down. The question now is whether rates will now even rise at all in the UK this year?

Our savings picks: This is Money's five favourite best buy cash Isas for 2015

From last year 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.

What next for house prices? Buyers offered a chance to negotiate and save money as sellers cut asking prices

spt_split-weather-houses.jpg

The traditional pre-Christmas drop in asking prices has been far more pronounced than usual, according to Rightmove. We look at the outlook for house prices.

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

What next for mortgage rates? Fixed rates tumble to as low as 1.29% as lenders keep on cutting

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

Homeowners can fix for two years at just 1.29 per cent and up to ten years at less than 3 per cent. We highlight the best mortgage deals and look at whether it is time to fix.

Best paid UK jobs 2014: Compare your pay to the national average in the league table of salaries across 350 trades and professions

The influence of financial services on the economy is spelled out again as City brokers steal top spot in this year's official list of highest earners. According to the detailed 2014 annual salaries survey, brokers pocketed around 40 times more this year than those at the bottom of the list - the people responsible for keeping children safe on the way to school. Lollipop crossing patrols earned around £3,400.

Premium Bonds winners

February 2015
Prize value Winning bond No. Area
£1,000,000 199ZJ038316 Cornwall
£1,000,000 157LK843986 West Midlands
£100,000 95AM662070 Norfolk
£100,000 93FE937577 Kent
£100,000 35HD524511 West Scotland
£100,000 143WZ658603 Cleveland
£50,000 57QY965463 Hertfordshire
£50,000 235XE429302 Bristol
£50,000 214HF436031 Dorset
£50,000 201RL410155 Hertfordshire
£50,000 200FF269950 Dorset
More Premium Bonds winners
   

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