Money guides

An emergency fund turns a broken boiler from a crisis into an inconvenience. A step-by-step guide to deciding how much you need, building it without noticing, and keeping it earning 3.1% AER.

Card terminals and cash machines abroad often offer to charge you in your home currency. Why you should always say no, what it costs if you don't, and how to avoid cash machine fees.

Most of what international transfers cost is hidden in the exchange rate, not the fee. How to spot the mark-up, compare quotes properly and keep more of what you send.