We all hate paying tax but don’t, whatever you do, pay more of it than you need to. Can you really be sure you’re paying exactly the right amount of tax?

Nearly 75% of personal loans charge early redemption penalties yet many providers are guilty of burying this fact in the small print of the terms and conditions. IF, which does not penalise you for repaying a loan early, is calling for those that do to make their charges more transparent.