Personal allowances and how you can earn £27,000 tax free for 2017/18

There are legitimate and important new ways to earn more cash and beat the taxman. Canny money-makers can end up with thousands more in tax free earnings every year than the average UK take home pay. How? Here is our step-by-step guide of what you need to know and do.

However there was also something to cheer from Britain's factories as the monthly manufacturing CBI survey found orders have recovered to levels seen before the Brexit vote.

Daughter tells how 85-year-old mother is trapped by Bank of Scotland mortgage nightmare

Sammi MacQueen says her mother Joan Stracey has become a target for conmen and would like to move, but is trapped by a debt that has ballooned from £35,000 to £380,000. She was one of the unlucky borrowers who took out a shared appreciation mortgage, where the debt rose with house prices. Almost 20 years later her daughter says she now cannot move from a home where she lives alone.

Unless a mother who cares for a family rather than working signs up for child benefit, they won't receive valuable credits towards a state pension to fill career gaps.

Stock markets have confounded forecasts and risen on Donald Trump's election to US President, but will the Trumpflation trade run out of steam? The Investing Show takes a look.

After several phone calls Vodafone still hasn't set up my direct debit correctly, after cancelling it without telling me, and I've now got a black mark on my credit score and am being refused for credit.

Zero to 62mph in 2.7 seconds with zero tailpipe emissions. That's the promise from Chinese electric car brand NextEV, which will make just six of these $1.2 million road racers for its investors.

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FTSE CLOSE: Footsie solid as pound falls to $1.24

The FTSE 100 closed up 41.76 points at 6819.72 as investors geared up for tomorrow's Autumn Statement, when the Chancellor is likely to offer more reassurances about Brexit to a wary business community. US markets hit record highs today, with the Dow Jones briefly topping 19,000 before falling back to trade 17.4 points higher at 6819.7. The S&P; 500 and tech-dominated Nasdaq also notched up new records. Germany's DAX was ahead 28.7 points at 10,713.8 while France's CAC 40 was up 18.8 points at 4,548.4. Brent crude was at $48.77 a barrel, and the pound was back at $1.24 against the US dollar after surging above $1.25 yesterday.

The announcement comes just weeks after the Manchester-based firm had warned that it had been badly hit by Brexit and had been struggling to find new financial backers.

Speaking ahead of tomorrow's Autumn Statement, the Prime Minister declared: 'We will continue to cut the deficit, reduce our debt, and return to a fiscal surplus in the years ahead.'

The Office for National Statistics said the Government borrowed £4.3billion in October - less than the £6billion expected. It takes the amount borrowed so far this year to £48.5billion.

Kingfisher saw like-for-like sales in the UK rise 5.8 per cent for the three months to the end of October. But in France, where it trades as Castorama, it saw sales fall 3.8 per cent.

Mitchells & Butlers said that the post-Brexit weaker pound, the introduction of the national living wage and new business rates system will push its costs higher in the coming year.

What's in store in next week's Autumn Statement

On the one hand, the Prime Minster is keen help out cash-strapped households who suffered under George Osborne's austerity drive - particularly given the threat of rising inflation. On the other, a stuttering economy facing the shock of Brexit and running out of monetary options needs some support. The former could be presented as feeding fiscally into the latter.

The Mayor of London has written to Volkswagen imploring the car giant to 'fully compensate' the capital's residents affected by the emissions scandal. He also wants TfL to be reimbursed.

Halifax owner Lloyds is leading the race to buy MBNA's UK operations from Bank of America and a deal could be announced in the next few weeks.

Barclays unveils contactless ATMs that dispense up to £100 with the tap of a smartphone

Customers will be able to withdraw up to £100 at cash machines inside branches, either by tapping their Android smartphones or by using their contactless debit cards. Barclays claims that contactless cash machines are more secure than traditional ones because they remove the risk of card skimming - when fraudsters copy debit cards' information by using a magnetic stripe.

However the country still has the third highest share of the richest people in the world, despite seeing the biggest global drop in the number of millionaires in the wake of Brexit.

The offer of £1,500 cash in your hand the day you move into your first home could seem tempting, but do cash rewards end up meaning your mortgage costs more?

Hertfordshire self-build bungalow the size of SEVEN family homes for sale at £2.75m

It's an exclusive offer for a multi-millionaire after their own 21st century country house. This architect designed state-of-the-art home will come with stunning views and is set in Ashridge, among ancient trees and rolling chalk hills. But the new owner needs to knock down the existing 1970s bungalow, near Berkhamsted, in Hertfordshire, and replace it with this stunning contemporary home.

Despite the sitcom famously being set in Peckham, south London, Del Boy and Rodney's home in 'Nelson Mandela House' was actually Harlech Tower in Acton, west London.

Housing Minister Gavin Barwell said the plan would have hurt 'ordinary working class families' and would not have saved much money.

Wall Street legend warns Europe is on the brink of new crisis

Steve Eisman, who made his name and fortune on Wall Street by foreseeing the demise of toxic sub-prime mortgage securities, says crippling levels of bad debt could drive the Italian financial system over the edge. The country's banks hold up to £310bn of 'non-performing loans' - money owed by companies and individuals who have fallen behind with payments.

Bond managers need to invest globally, rising star fund manager says

Fixed income markets have changed so dramatically in the past few years that the only way to access them effectively is by being completely flexible, according to rising star manager Fraser Lundie. He says that this has created an environment where cherry picking is the only answer.

Should I buy an airport car parking space offering 8% return a year

A firm has emailed me about buying an airport car parking space, which it says would give me a guaranteed minimum return of 8 per cent a year. It says that a RICS valuation has been done and the parking space is being sold below its market value. I'm wary as I know about stocks and funds but I've never held this type of investment. Is putting some of my savings in an airport car parking space a good idea?

The British car manufacturer has admitted it is currently developing a new 'hyper GT' vehicle under the codename BP23 - standing for Bespoke Project 2 with 3 seats.

Black Friday: Read our 10-step survival guide

It is overhyped, overrated and over here - yet one in three shoppers is expected to hit the shops this 'Black Friday' in the hope of snapping up a bargain. The US phenomenon is now part of the British festive calendar and along with Cyber Monday - three days later - it has toppled Boxing Day from its traditional start of the winter sales season.

A perfect storm of rising energy prices and market change is brewing. It will hit households in the pocket this winter, just when they use most fuel. Ashar Qureshi (pictured) switched provider.

Former Pensions Minister Steve Webb is This Is Money's Agony Uncle. This week, he replies to a reader who wants to know if his wife's state pension will rise from a current £74.69 a week if he dies.

Skoda tested its new Kodiaq on the UK's most extreme school run

Skoda will enter the large SUV sector from next year, but before right-hand drive models arrive in 2017 the Jones family put the Kodiaq through its paces on a commute across country from their farm in Wales to school, via some of the nation's toughest terrain. We get their verdict on the Skoda Kodiaq and put it to the test too, but strictly on tarmac.

The other PM set to lose his job after calling a referendum: Italy's December vote spells

The referendum is about reforms to the constitution that are intended to make it easier for the government to boost the sluggish economy. It sounds dry, but it's explosive, because in the eyes of many ordinary voters it is an opportunity to take revenge on the political establishment - and that could be very bad news indeed for the troubled eurozone.

Michael Sherwood, pictured with Sir Philip Green, left, and CNBC broadcaster Tania Bryer, was often tipped as a successor to Goldman chief executive Lloyd Blankfein.

Two communities are seeking £100m in compensation from the oil giant and its Nigerian subsidiary after suffering repeated oil spills.

Bonmarche, which issued three profit warnings this year, said shoppers were put off from buying t-shirts in the summer as the weather was too cool and jumpers in September because it was too hot.

The nine-man operation ran a boiler room to cold-call savers fleecing a total of 193 pensioners. Among those convicted were Migle Sasyte and Vladimir Rusaliychev (pictured).

SMALL CAP IDEAS: Brain scanning expert IXICO monitors the effects of drugs

IXICO generated around £3million in revenues from brain scanning in the year to September, which makes it a rarity among the minnows of the healthcare and technology sectors in that it is paid for its services. In September, It landed a deal with the American giant Biogen to provide the brain scanning expertise that will allow physicians to monitor the effects of the company's flagship product, Tysabri for multiple sclerosis.

Sir Damon, 54, who enjoys a £200m fortune, has always been an energetic sort. He was once a regular in the gym at central London's swanky One Aldwych hotel.

BT and EE, which merged last year, already own 45 per cent of the country's usable spectrum, the network used by mobile phone companies to connect calls and transfer internet data.

On the credit side, Sherwood was one of the architects of Goldman's great leap forward in Europe and a big contributor to the City's pre-eminence as a financial centre.

Mitie put its poor performance, which compares with a £45.1m profit last year, down to 'changing market conditions as clients adjust to rising labour costs and economic uncertainty'.

They look like a tax refund offer - one man was hit TWICE by online fraud

Taxpayers are being warned to ignore a new blight of emails from fraudsters passing themselves off as HM Revenue & Customs and inviting them to claim refunds for overpaid tax. The fraudulent 'phishing' emails or texts are designed to trick people into giving key details about their bank accounts which are then used by the criminals to gain access and empty them.

I read with dismay the sad tale of the lady who has not received her chair from Westminster Recliners. I purchased two in July, but I'm having to take the company to the small claims court.

The overhaul of the system has been condemned by a consortium of business groups representing hundreds of thousands of firms which predicts it will result in companies being forced to close.

MIDAS SHARE TIPS: Logistics firm Wincanton really going places

Despite a strong share price performance over the past few years, its shares still look undervalued. On top of that, the group looks set to start delivering a decent dividend. The company is a sizeable player in the logistics sector. Its clients include Sainsbury's, Co-op, BAE Systems and Heinz. Many of these groups have signed up for contract renewals lasting to 2019 or beyond. The result is a very visible revenue stream in the future.

Investec has a 'buy' rating on One Savings Bank. Its share price took a dive after Brexit but recovered. However, easyJet faces challenges in the months ahead

It is just over three years since fund manager Mark Wharrier returned to investment house BlackRock after a ten-year absence working for a rival. It has been a triumphant return.

The market got a little ahead of itself with the surge in the Asos share price in October, but the direction of travel looks right. These shares are a hold.

We round-up the Sunday newspaper share tips. This week, Midas looks at Wincanton while The Sunday Times highlights Mitie and the Sunday Telegraph Majestic.

Will Trumpflation mean UK interest rates finally rise?

As people were left scratching their heads over a reality TV businessman elected President and what he will do in office, one firm idea did emerge in the financial world this week - Trumpflation. This is the idea that Trump's spending, protectionist policies and tax cuts will lead to inflation - and call time on the low rate era.

Nationwide posted pre-tax profits of £696million for the six months to the end of September, down from £802million over the same period last year.

Deputy governor Ben Broadbent told a meeting that interest rates and quantitative easing - which sees the Bank print money to buy government bonds - had little bearing on wealth.

Buyers love wrecks so much, these dilapidated homes now command a premium

Buying a wreck might mean months of hard-work, but you could end up with your dream home and make money too.

The hidden secrets of a Welsh castle that looks like it was built a few hundred years ago

With its stone turrets and black cannons, this Welsh castle looks as though it was built centuries ago. But the reality is that it was only built 22 years old and includes hidden stair cases, state-of-the-art invisible wall speakers and an electronic triple garage.

A study of 2,000 people from across the UK discovered that 25 per cent will not sacrifice their yearly holiday to save for a deposit on a property.

Lifetime Isas have provoked a barrage of criticism amid fears younger people will make poor decisions that leave them out of pocket in the long run.

Energy bills postcode lottery revealed: how does your region compare?

Energy bills for those in the north of England and Wales, where people earn some of the lowest average incomes, are highest due to energy transportation costs while those in the south of England and London, where incomes are on average highest, tend to have the cheapest average energy bills.

Telematics specialist Wunelli reviewed 1billion miles of UK driving data, concluding that fixed speed cameras should be abolished We look at why and the alternative?

Some of my best investments have come from the High Street, which is surprising as it is not a sector I typically place a lot of money in.

SBTV's Jamal Edwards the multi-millionaire 26 who built a media empire

Jamal Edwards has achieved more at the age of 26 than many people can aspire to in a lifetime. After building his own media empire, he shares the advice he gives to young people who want to start their own business - and why he believes it's still possible to break into the music industry without going on reality TV.

Alex Klein's mission to demystify computers led to the creation of Kano - a £149 do-it-yourself kit that claims to be as fun to make as Lego and so simple a child as young as six can do it.

This is Money was named Financial Consumer Website of the Year at the highly-regarded Santander Media Awards, last night.

Jaguar gets a Hollywood premiere as it plans to electrify the market

Jaguar had a host of stars to help launch its new 200 mph electric car in Hollywood this week. On the eve of the Los Angeles Motor Show, the Jaguar I-Pace car grabbed the most attention. Having long traded on its bad boy image, Jaguar aims to make electric cars desirable. It says it has 'torn up the rule book' with the I-Pace to create a svelte zero emissions five-seater that combines 'supercar looks, sports car performance and sports utility space' in one car that can be charged at home from the domestic mains.

In a statement on Friday, the carmaker said it was taking measures to return the brand to 'a path of profitable growth' after 14 months of crippling costs associated to steps it took to deceive official tests.

With Road Safety Week around the corner, we've scanned the strange regulations from around the world that drivers have to adhere to in different countries.

Trump victory in US election spurs investors to dump bonds

A sell-off of UK gilts and US treasuries was already under way but has accelerated since last week's US election, leaving holders sitting on capital losses as prices fall. But it's not all bad news as bond yields always move in the opposite direction to prices, so income seekers are getting better returns when they buy government debt.

The FCA says fund managers should publish an 'all-in fee' so investors can see what they are paying after uncovering devastating evidence of rip-off charges and weak price competition.

Hargreaves Lansdown has launched a low-cost fund with an ongoing charge figure of 0.6%. The fund is cheaper to invest in than 90% of the IA All Companies Sector, it claims.

Oxford, Cambridge and Richmond-upon-Thames are England's most 'vibrant' towns, research

Healthy lifestyles and social cohesion are as important as economic prosperity in determining how happy and vibrant a place is to live in, a study suggests. Across the country, urban areas with decent economic scores often scored worst for health, well-being and happiness levels, with parts of London, Birmingham, Manchester and Liverpool all performing poorly.

UK coffee drinkers would have to endure an 11 hour flight over 5,000 miles to be able to pick up the cheapest cup of coffee in the world, research has revealed.

Eoin Macleod and Sammy Bazini spent their teenage years selling cosmetics at market stalls in London in the early 1980s before going into business in 1992.

The top 10 places in Britain where house hunters would like to live

The Isle of Skye won the accolade following a survey of nearly 24,000 people by property website Rightmove. The Scottish island (pictured top left), where the average house price is £230,000, was among the seaside locations that featured heavily in the top ten, including Woolacombe (top right), in Devon, and the popular Cornish holiday destinations of St Ives (bottom right), Padstow (bottom left) and Newquay.

From next year Santander will place a cap on the amount of cashback customers with its 123 credit card can earn per month while increasing the interest rate it charges.

Treasury ministers will allow Bank of England officials to intervene by specifying how much landlords can borrow if they fear the market is overheating.

Medical recruiter Remedium Partners ‘saves the NHS millions’

The company was launched by friends David Green and Philip Braham, both 27, with £10,000 of savings each. They estimate they have saved the NHS more than £25 million as they claim locums can charge up to £150 an hour, roughly double what a permanently employed doctor would get.

The Institute for Family Business urged Philip Hammond to use Wednesday's Autumn Statement to support long-termism in business.

The fund has been launched in collaboration with Foresight Group, an infrastructure and private equity investment firm.

The Legal Ombudsman concluded that the barrister should have been clear about her costs from the beginning, and ordered her to limit her fees to £1,500.

50 ways to save money....

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.

Pick the best (and cheapest) investment Isa platform

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.

L Board sign on the rear of a blue saloon car , UK

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.

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

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.

In this low-income world it can be hard to find mainstream investments paying a significant yield. Stifel has compiled a list of 19 investment trusts with a yield of more than 4 per cent.

Handy Brexit table explains the options for the UK's exit from the EU

Despite endless media coverage of the political wrangling and financial speculation, the average Briton can be forgiven for remaining confused about what 'soft' and 'hard' Brexit really mean. About the difference between the 'Norway model' for the UK's post-Brexit relationship with the UK and the 'Swiss solution'. But a clever table put together by HSBC in a report called 'Is Brexit Getting Harder?' cleaves some clarity from the murk.

It would have been nice to have a plan. Instead, after the Brexit vote we were left scratching our heads. But now it's time for some answers on trade and what we mean to the EU.

Pensions Road Sign against threatening clouds

We tend to put ambitious targets on our hoped-for income in retirement and then underestimate how much we will need to set aside to achieve that. So how much should you save?

When will UK interest rates rise?

An interest rate cut before the end of the year looks less likely following the plunge in the pound. However, the Bank of England has indicated that higher inflation driven by rising import costs won't make it lift rates.

What next for mortgage rates?

Several months after the Bank of England slashed the base rate to 0.25 per cent and lenders are still cutting mortgage rates on almost a weekly basis - but how low can they really go? The experts say not a lot lower and it's likely that if you get a mortgage at the moment, it's going to be a pretty cracking deal. 

Ten tips for buy-to-let

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips

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Musicians have seen pay rises averaging nearly 20 per cent in 2015, while cleaners are getting 17.8 per cent more, and window cleaners 12.3 per cent. Artists in general are earning 14.6 per cent more in 2015 than 2014, according to the huge annual data dump of pay scales by the Office For National Statistics highlights.

Premium Bonds winners

November 2016
Prize value Winning bond No. Area
£1,000,000 64ST558712 Bristol
£1,000,000 196XC935430 Norwich
£100,000 73XC247749 South Gloucestershire
£100,000 209BT382482 West Sussex
£100,000 196QY362195 Tyne and Wear
£50,000 48QF456615 North East Scotland
£50,000 279LW728226 Shropshire
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IXICO generated around £3million in revenues from brain scanning in the year to September, which makes it a rarity among the minnows of the healthcare and technology sectors.