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Articles Digital Finance Banking Finance/Wealth Management Funds Markets & Assets Personal Finance Tax Cyber Security

Tax deduction planning concept. Businessman calculating business balance prepare tax reduction.

Government Should Do More to Ensure Young People Have a Basic Understanding of the Tax System

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luxury home with pool

High-Yield Property Markets: The Most Accessible Countries for Investors

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Retirement Planning And Financial Protection: Senior Couple Receiving Professional Advice From Advisor On Laptop For Long-Term Security

One in Six Employers Has Never Reviewed the Workplace Pension Scheme They Offer

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close up hand accountant holding pen pointing on paperwork chart for meeting team in office room. concept finance and accounting

Sage Unveils Period Review to Help Accountants and Bookkeepers Manage Growing Mtd Workload

New Sage for Accountants capability brings client transactions from different supported experiences into one workflow, helping practices review and prepare records more efficiently Sage the leader in accounting, financial, HR and payroll technology for small a

Software solutions integrate core business processes

How Integrated Financial Services Can Help Agencies Build a More Loyal Workforce

By Philipp Buschmann, co-founder and CEO of AAZZUR For staffing and recruitment agencies, loyalty is an increasingly expensive thing to lose. A worker who leaves does not just create another vacancy. The agency loses the investment made in sourcing and onboard

Is AI Really Expanding Margins in Finance? Tomi Popoola on What Investors Should Watch

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Few things sour a customer experience faster than an unexpected hold on their card. You book a rental car, arrive at the counter excited for a trip, and then discover that several hundred dollars of your available credit is about to be frozen as a security dep

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Growth is supposed to be a good problem to have, but it definitely doesn't feel that way when your billing team is drowning in it. More patients means more claims, expanding into new specialties or locations means new payer relationships to navigate, and sudde

Why SaaS Platforms Add Embedded Payments

A platform that processes customer transactions earns more from each account than one that only sells seats. Subscription revenue grows with headcount, while payments revenue grows with the customer’s sales volume. That is why embedded payments have beco

Maximising the Management of Memberships

Members rarely quit in anger. They drift.Someone joins on a Tuesday, and nobody welcomes them. A regular poster goes quiet for three weeks and nobody notices.A renewal date passes with no reminder sent. By the time you see the churn number, the relationship en

How Marketing Has Changed for Fintech Companies

Fintech marketing has moved far beyond sleek app screenshots, referral codes, and promises of “better banking.” Today, fintech companies need to earn trust, explain complex products clearly, meet rising compliance expectations, and show up consistently acr

Standard Chartered Just Became the First Global Bank to Offer Spot Crypto Trading

Standard Chartered has become the first global systemically important bank to offer institutional clients direct spot trading in Bitcoin and Ethereum. It’s a huge milestone in the convergence of traditional banking and crypto finance. The launch will allow e

Best Stablecoin-Friendly Banks for Businesses in 2026

Stablecoins have moved from a niche crypto tool to a practical settlement option for cross-border B2B payments. The GENIUS Act, enacted in the US in July 2025, gave payment stablecoins a federal regulatory framework for the first time, and banks and fintechs h

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How Local Banks Are Competing in Wealth Management and Trust Services

For decades, large national banks and financial institutions have dominated the wealth management industry through scale and resources. Today, local banks are challenging the traditional banking model by leveraging their strengths in relationship-centered serv

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Picture this: it's the third week of tax season, your best senior accountant is spending two hours a day chasing clients for missing documents, and three engagements are stalled because someone forgot to send a follow-up email. Nobody dropped the ball on purpo

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luxury home with pool

High-Yield Property Markets: The Most Accessible Countries for Investors

For many investors, property has long been the ultimate asset — it’s tangible and, when chosen wisely, lucrative. But in an era of rising interest rates and shifting tax landscapes, choosing where to invest is more important than ever. The global property

Will Consolidating Business Debt Lower What You Pay Each Month

Managing numerous business debts at once can put pressure on cash flow even when every repayment remains affordable on its own. Different payment dates, interest charges and outstanding balances make it harder to see how much borrowing is costing the business

What Happens When You Sell a Life Policy for Cash

Some people may decide that keeping a life insurance policy is no longer worth it. When they do, they can sell the policy for cash to use for other life expenses. However, people should understand that the final payout can change based on their policy circumst

Most Financial Advisers Have No Idea Which Clients Make Them Money

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Few pieces of paperwork cause as much confusion as an SR-22. After a serious driving violation, a driver is often told they need one, with little explanation of what it actually is. The good news is that the concept is simpler than it sounds.If you have been t

luxury home with pool

High-Yield Property Markets: The Most Accessible Countries for Investors

For many investors, property has long been the ultimate asset — it’s tangible and, when chosen wisely, lucrative. But in an era of rising interest rates and shifting tax landscapes, choosing where to invest is more important than ever. The global property

Investors working on desk office and use tablet to check tracking cost. Accounting and Financial concept.

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Young Professional Managing Cloud-Based ERP Software On Laptop

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luxury home with pool

High-Yield Property Markets: The Most Accessible Countries for Investors

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How to Choose the Right Futures Prop Firm for Your Trading Style

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Financial advisor 0r Financial Planner are prepare a financial plan for the client.

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luxury home with pool

High-Yield Property Markets: The Most Accessible Countries for Investors

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Retirement Planning And Financial Protection: Senior Couple Receiving Professional Advice From Advisor On Laptop For Long-Term Security

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Tax deduction planning concept. Businessman calculating business balance prepare tax reduction.

Government Should Do More to Ensure Young People Have a Basic Understanding of the Tax System

Better tax literacy can help young people make informed financial decisions The Government should do more to ensure young people have a basic understanding of the tax system, say leading audit, tax and business advisory firm, Blick Rothenberg. Elisa Sofocli, a

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Paul Stannard, Chairman and Founder of Portugal Pathways.

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Automating Compliance: KYC and AML Verification Platforms for Financial Institutions in 2026

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26th November 2021

Majority Say National Insurance Hike Will Change Their Financial Behaviour

The 1.25% increase in National Insurance contributions from 6 April 2022 will cause seven in 10 Brits to change their financial behaviour, according to independent financial comparison website NerdWallet.

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Majority Say National Insurance Hike Will Change Their Financial Behaviour

7 in 10 Brits set to adapt spending habits

The 1.25% increase in National Insurance contributions from 6 April 2022 will cause seven in 10 Brits to change their financial behaviour, according to independent financial comparison website NerdWallet.

Of those set to alter their financial habits, half of respondents said they are already making a change, while the other half will wait until the National Insurance hike comes into effect before taking action.

The National Insurance hike itself is not the only financial hurdle Brits are facing in the new year: high inflation and rising energy prices are all contributing to the nation’s anxiety about its bottom line.

And with 67% already struggling to stick with their household budgets, there are a number of actions people are considering to curb the impact on their take-home pay.

Most of the changes involve essential expenses, such as fuel and food shopping. For example, 48% of respondents said they were looking into switching energy providers, with 16% stating they are definitely changing providers as a direct result of their reduced take-home pay.

Nearly a quarter (24%) of Brits will be shifting where they shop due to the hike, while half (50%) are considering a change.

People were also evaluating potential changes to their non-essential spending, including cutting back on meals and take-aways (21%), social activities (16%), gym and club memberships (9%), and holidays (13%).

The festive period, which is traditionally an expensive time of year, is also being reconsidered – with over one in 10 intending to buy less this Christmas.

NerdWallet spokesperson Connor Campbell commented: “Deductions to the bottom line will always be unpleasant. But, before panicking, we recommend calculating the actual cost of the 1.25% hike on your net salary.

Our research showed that four in 10 respondents did not know how much they currently spend on National Insurance. However, if you calculate how much you pay, and deduct the increase from your current budget, you will have a better idea of how it will impact you directly. For example, at a salary of £30,000 a year, you will pay an extra £21.30 a month.”

“It’s always good practice to review your outgoings and spending habits, especially when there are changes to your circumstances such as rate movements, new expenses, tax increases or an adjustment to your salary. In the case of the National Insurance hike, working out exactly how much extra you will pay a month will give you a better perspective on which financial habits, if any, need to be altered ahead of April 2022,” added Campbell.

NerdWallet has put together a guide to the new National Insurance rates, how much more money will end up coming out of your wage packet and what you can do to help manage any changes to your personal finances.

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