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Home insurance in the UK: buildings vs contents, what a renter needs and how not to lose your payout
Buildings insurance covers the structure and is compulsory with a mortgage; contents covers what's inside — and it's the only policy that matters for a renter, because the landlord's never covers your things. Citizens Advice rules explained: new for old, the excess, rebuild cost vs market value, and where to complain.
Free clubs in 400 English schools: £22.5m for sport, music and debating — how to check if your school is in
Over 400 secondary schools in disadvantaged areas will get co-ordinators and funding for free extracurricular activities under the £22.5m Enrichment Expansion programme. What appears on timetables, why the state is paying for clubs, and what to ask your school now.
England is recruiting magistrates: no law degree, 13 days a year — who can apply
The MOJ has launched a magistrate recruitment campaign: 21,000 wanted by 2028/29. Volunteer judges decide 95% of criminal cases, no legal training is needed, and employers must give time off by law. The requirements, the allowances and how to apply.
Working for yourself in the UK: register by 5 October, sole trader taxes in 2026 and HMRC's digital rules
Started working for yourself in 2025/26? You must register for Self Assessment by 5 October or risk a penalty. The HMRC rules: the £1,000 threshold, 6% and 2% contributions, a free pension record from £7,105 of profit, and the Making Tax Digital quarterly updates already mandatory above £50,000.
£210m for England's high streets: derelict buildings converted, empty shops let by rental auction
The government has allocated £210m to revive high streets: £125m to buy and convert derelict buildings, £65m to rescue pubs and clubs, £20m for rental auctions of empty premises and co-operatives. Where the money goes — and how a small business can take over an empty shop.
Skilled Worker visa in 2026: the £41,700 threshold, who qualifies at £33,400, what it costs and how to bring family
The UK's main work visa in 2026: a salary threshold of £41,700 or your job's going rate, discounts down to £33,400 for the young and shortage occupations, English now at B2, fees from £819 plus £1,035 a year for the NHS. The GOV.UK rules on who qualifies, what it costs and which family members can come.
TV Licence in 2026: who needs one, the £180 fee, who watches free — and the £1,000 fine
Netflix and YouTube need no licence — but live TV on any channel, even a foreign one over the internet, and BBC iPlayer do. From 1 April 2026 a TV Licence costs £180. The GOV.UK rules explained: house shares, students, the free licence for over-75s, instalment plans and how to cancel legally.
Under-16 social media ban from spring 2027: UK hires 1,000 youth workers and puts £450m into teenagers
On 26 September the government announced 1,000 new youth workers and a £450m fund for clubs and activities — and confirmed the timetable for the under-16 social media ban: regulations before the end of the year, launch in spring 2027. Here is what it means for families, and what 18-to-24-year-olds can already claim.
Empty shopfronts on the high street: £210m to revive them, and how a small business can win a unit at a rental auction
MHCLG announced a £210m package on 25 September, £10m of it for High Street Rental Auctions — a council's power to force a landlord to let premises empty for over a year. An ordinary cafe or shop can win the lease. The conditions: 12 months vacant, 22-24 weeks of process, a 1-5 year tenancy, and one sealed bid only.
Wills, inheritance and probate in the UK: who inherits without a will, the £325,000 threshold, 40% tax and a £526 probate fee
With no will, the law in England and Wales decides who gets what — and an unmarried partner gets nothing. From the primary sources: the £322,000 statutory legacy for a spouse, two witnesses and why marriage cancels an old will, the £526 probate fee, 40% above £325,000, the seven-year rule on gifts, and what changes for pensions on 6 April 2027.
SEND in an English school: £200m for teacher training — and how a parent gets support for their child
On 24–25 September the Department for Education published the first free training materials for teachers working with children who have special educational needs. It is the start of a £200m programme, but schools are not obliged to use it. Here is what actually changed, and the deadlines the law gives parents: 16 weeks for the council's decision, 20 weeks for an EHC plan, 2 months to appeal.
Bus fares in England fall to a £2 cap from 1 January 2027 — and how to check your route
The Department for Transport reported on 25 September that children made 14.5 million free bus journeys in August. The same release confirmed what matters next: from 1 January 2027 a single bus ticket in England outside London will cost no more than £2, down from today's £3. Here is what applies now, what you have to apply for, and who travels free all year.
How to get your money back through the courts in England: claims online from £35, a £10,000 small claims limit and free mediation
A landlord kept your money, a tradesman took a deposit and vanished, a friend will not repay. In England and Wales the process is still called the small claims court and it is built for people without lawyers. From GOV.UK and the statute: time limits, fees, fee remission, compulsory free mediation and what to do when you win and they still do not pay.
The government built a free CV tool: 20,000 CVs through Work Hub — and how to use it
On 25 September the DWP published the first results from Work Hub, the free job-search platform it calls a “jobcentre in your pocket”. The CV builder is open to everyone, not only people on benefits. Here is what is inside, where to find it and what not to expect.
Two-thirds of UK fraud comes from abroad. How to get your money back from the bank: 5 business days and an £85,000 cap
On 24 September the Home Office announced an agreement with Cambodia against scam centres: more than two-thirds of the fraud affecting the UK originates overseas. ONS figures for the year to March 2026 show 3.8 million victims, up 10% on the year before. Here is where to report after 4 December 2025, and how mandatory bank reimbursement works: 13 months to claim, 5 business days to pay, an excess of up to £100 and an £85,000 cap.
Running a car in the UK: vehicle tax, MOT and insurance costs and penalties in 2026
Vehicle tax of £200 a year, an MOT capped at £54.85, an £80 fine for no SORN, £100 for an uninsured vehicle and up to £1,000 for driving without an MOT. Every figure and deadline a car owner needs, from GOV.UK.
New Vocational GCSEs in Britain: first subjects from 2029 and 200,000 work experience placements
On 23 September the government announced Vocational GCSEs, which will sit alongside traditional GCSEs and replace Technical Awards. The first subjects are promised from as early as September 2029, with technical pathways starting in September 2028. Employers are being asked for an extra 200,000 work experience placements for 14 to 16-year-olds.
Child Trust Fund: 827,000 people have not claimed their money — £2,310 on average
HMRC said on 23 September that almost 3 million Child Trust Funds have been claimed, but around 827,000 matured accounts are still untouched, worth £2,310 on average. An account was opened for everyone born between 1 September 2002 and 2 January 2011. Here is how to trace yours in five minutes, and what you can do with it at 16 and at 18.
Damp and mould in a rented home: what the landlord must do, and in how many days
In social housing the deadlines are in law: 24 hours for an emergency, 10 working days to investigate damp, 3 days for a written summary, 5 for the safety work. Private renting has no day counts — but it has a free council inspection and the courts. A guide for the heating season.
Long-term sick leave in the UK: after a year off, fewer than half return to work
On 23 September the government published the plan for Britain's first Workplace Health System. Around 300,000 people a year leave work because of ill health, at a cost of £212 billion a year. What it means if you are an employee.
First convictions for missing Companies House ID checks: what it costs now, and how long is left
On 16 September a City court fined three directors — one of them for failing to stop an unverified colleague from acting. The Companies House transition year ends on 18 November 2026; after that come penalties of £250 to £2,000, a note on the public register and a block on filing for your company.
Free childcare in England in 2026: 30 hours from nine months, the income tests and the 31 December deadline
To have the hours start on 1 January you need the code by 31 December. Here are the three schemes, the £2,643.68 three-month earnings test and the £100,000 ceiling, the National Insurance and no recourse to public funds rules — and the separate 15-hour route for families with no access to public funds.
Help to Save: the government adds 50p to every £1 you save — £300m in bonuses paid out
HMRC said on 21 September that more than £300m in Help to Save bonuses has now been paid, across 656,700 accounts and £676.7m of deposits. You can put away £1 to £50 a month and the government adds up to £1,200 over four years. The catch is the entry rule: you must be on Universal Credit and have had at least £1 of take-home pay in your last assessment period.
NHS dentist costs in England in 2026: £27.90 for a check-up, £332.10 for a crown — and how to get an appointment
NHS dental charges do not depend on how many procedures you have: there are three bands — £27.90, £76.60 and £332.10 — and you pay only for the highest one. What each band covers, why you cannot register with a dentist, who to call in pain, who is treated free, and the tick-box that brings a £100 penalty.
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