What have Debt Counsellors, Building Societies, Landlords and Energy Suppliers got in common with Payday Lenders and Catalogue Shopping?

by Gareth Morgan on November 18, 2018

What have Debt Counsellors, Building Societies, Landlords and Energy Suppliers got in common with Payday Lenders and Catalogue Shopping? Answer? They’re all keen on regular payments by their clients and customers and that, in turn, means that they like people who budget. They’re also all likely to suffer because of a Universal Credit design decision. […]

Universal Credit and patterns of earning

by Gareth Morgan on October 12, 2018

Universal Credit is a simpler benefit than the complicated six benefits that it replaces; says the government. It is understood more easily because it matches the way in which most people in work get paid – monthly. Of course not everyone who is actually in work does get paid monthly, so those people who are […]

Income certainty and low pension savings

by Gareth Morgan on January 12, 2018

There is concern, increasingly voiced, by a number of well-informed commentators, about some of the consequences of the pension freedoms. The complexity of choices, the lack of knowledge of most pension savers and the actions of some advisers, particularly around pension transfers, have led to calls for changes that would lead to safer and more […]