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marriage allowance benefit How it works Marriage Allowance lets you transfer £1,260 of your Personal Allowance to your husband, wife or civil partner. This reduces their tax by up to £252 in the tax year (6th April to 5th April the next year). To benefit as a couple, you (as the lower earner) must normally have an income below your Personal Allowance – this is usually £12,570. You can calculate how much tax you could save as a couple. You should call the Income Tax helpline instead if you receive other income such as dividends, savings or benefits from your job. You can also call if you do not know what your taxable income is. When you transfer some of your Personal Allowance to your husband, wife or civil partner you might have to pay more tax yourself, but you could st...

istockphoto Cohabiting couples Cohabiting couples often assume that moving in together as a couple creates similar rights and responsibilities as marriage – so-called common law marriage – or none. Both beliefs are wrong. If you are moving in together, you should know how cohabiting affects your legal position and how you can protect yourselves should your relationship end or one of you dies. Common law marriage – the reality Many couples believe that moving in together creates a common law marriage, giving you the same rights as if you were married. It does not – the concept of common law marriage has no legal validity in the UK (though cohabiting couples in Scotland do have some basic rights if their partnership ends). Moving in together does not give you automatic rig...

(CAP) is a charity Christians Against Poverty (CAP) is a charity that has been providing free professional debt help and community groups through local churches since 1996. We see thousands break free from debt every year. CAP is authorised and regulated by the Financial Conduct Authority (FCA). Don’t worry, we’ve got you covered We’ve been helping people break free from debt for over 25 years. We’re a charity that provides debt help completely free of charge. There are many different routes to get out of debt. We’ll walk you through all the suitable options based on your circumstances, from which you can choose the best route to becoming debt free. Break free from worry and fear CAP won’t just support you in resolving your problem debt. We’ll empower you to break ...

123RF What is a budgeting loan/advance? Certain essentials A budgeting loan is extra money on top of your benefits to help pay for certain essentials. You must pay back a budgeting loan. A budgeting advance is an extra amount of Universal Credit to help you pay for certain expenses. You must pay back a budgeting advance. A budgeting loan or advance can help you to pay for: • furniture and household equipment, clothing and footwear • rent in advance and/or removal expenses to new accommodation • the costs of improvement, maintenance and security of your home • essential travelling expenses and expenses due to you getting or starting a job • maternity or funeral expenses Check Before you apply for a budgeting loan or advance, check whether you can get the...