Money

How speculation shaped the housing market

The latest figures suggest house prices are still (just about) creeping up, despite economic uncertainty and buyer jitters. But are bricks and mortar really immune to the ups and downs of every other asset class? Where will it all end?

Survival guide to overdrafts

In an ideal world an overdraft is something you’d only use for short-term borrowing. It’s a cushion for when your pay cheque is late or it’s an emergency pot of cash for when there’s a sudden expense that’s not been budgeted for. For everyone else – more than one in ten Brits 'live' in their overdraft – it's an expensive way to conduct their financial affairs. But whether you’re occasionally dipping into minus figures or you’re permanently in the red, having the right account can make a big difference. Here's what you need to know.

The painful cost of a free education

Failure to acknowledge the true cost of education heaps pressure on parents already feeling the strain. But some are now taking matters into their own hands

Survival guide to current account interest

The dramatic demise of the top interest-earning current account this week may feel like the final nail in the cash coffin. Actually, it’s just time to think a little laterally

Blame bank closures on smartphones not Brexit

Lloyds’ plan to close another 200 branches is just the latest chapter in the decline of face-to-face banking, but there are concerns for what this means for the most marginalised in society