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What do tax codes mean and what should I be on?

by Naomi Willis · updated 16 December 2025

cartoon hand holding a piece of paper that says TAX with a grid. Other words are illegible.

Your tax code is used to work out how much income tax you must pay. The code is used by your employer or pension provider. HM Revenue and Customs (HMRC) will … [Read more...]

Pros and cons of bankruptcies UK: when to declare bankruptcy status

by Naomi Willis · updated 16 December 2025

cartoon of a bank note ripped in half

Bankruptcy can be a difficult decision to make, but it may be the best option for people with debt problems. It is important to understand the pros and cons of … [Read more...]

7 common online scams and how to avoid them

by Naomi Willis · updated 16 December 2025

shocked woman looking at phone

Up to March 2022, 61% of all fraud in the UK started online, with some estimates suggesting that up to £4 billion was lost to fraud across the country last … [Read more...]

What is the minimum credit score to get a mortgage in the UK?

by Naomi Willis · updated 3 February 2023

Cartoon of a person shrugging with a house on one side of their shoulder and a credit score chart on the other

Buying a house is a big dream and a large accomplishment for many people in the UK, but this dream will only come true if you are a responsible borrower or are … [Read more...]

Renting a house with bad credit: how to make it happen

by Naomi Willis · updated 1 February 2023

key and house keychain graphic

Most landlords and letting agents will look at your credit history when you are looking to rent a property in the UK. Nearly all private landlords and … [Read more...]

Claim £150 council tax rebate before the final deadline

by Naomi Willis · updated 3 November 2022

counting £10 notes

The deadline to claim the non-repayable £150 council tax rebate has been extended for anyone who has not received the payment. Councils across the country … [Read more...]

How long can someone stay before paying Council Tax?

by Naomi Willis · updated 28 June 2024

cartoon graphic of couple sitting on a sofa watching TV

With the cost of living continuing to rise, it's never been more important to look for opportunities to save money, particularly on household bills. And your … [Read more...]

I have no money and need help: what do you do when you’re totally skint?

by Naomi Willis · updated 5 December 2025

A quiet living room in natural daylight

A supportive guide for when everything feels overwhelming, and you don’t know what to do first. If you want clear, step-by-step help getting food right now, … [Read more...]

Where to find simple (and free) debt advice

by Ricky Willis · updated 23 November 2020

If you are facing financial problems you need to reach out and get debt advice. Do NOT pay for debt advice as you can access this for free.

If you are facing financial problems, you need to reach out and get debt advice. Do NOT pay for debt advice, as you can access this for free. I've made no … [Read more...]

How to deal with debt

by Ricky Willis · updated 15 March 2022

Back in August 2013 we were in a right pickle financially. Not only were we spending more than we had coming in but we had also accrued over £40,000 worth of debt!

Back in August 2013, we were in a right pickle financially. Not only were we spending more than we had coming in, but we had also accrued over £40,000 worth of … [Read more...]

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Ricky and Naomi Willis

Ricky and Naomi Willis, founders and editors of the Skint Dad website.

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  • Home
  • Save money
    • How to save money on groceries
    • Save money on energy bills
    • Save money on water bills
    • Frugal living tips
    • 1p Saving Challenge
  • Make money
    • Make money online
    • Best paid surveys
    • Best side hustle ideas
    • Free money
    • Genuine work from home jobs
    • Bank switch offers
  • Manage money
    • Best budgeting apps
    • Average household bills
    • Credit score apps
  • Help & Support
  • News
  • Deals
    • Farmfoods offers
    • Blue Light Card discounts list
    • When is the Next sale
    • 25% off wine
  • About us
    • Contact us
  • Subscribe