Scotsman Money

Shops are groaning with Halloween goodies

Plans to slash Halloween spending amid cost of living nightmare
While some consumers are panning to go big this Halloween, others are cutting their costs.

Tax and cyber attack concerns of Scottish family-owned businesses

Energy bills already make for sombre reading and there's no happy ending on the horizon.

Households warned to brace for energy shock as price cap rises again

Experts have warned new students to be wary of potential scams

New students warned to be wary as scammers target freshers

Chancellor of the Exchequer John Healey

Budget likely to provide a few scares for Halloween Gareth Edwards

Good cover: fears are that price competition is "hollowing out" home and holiday insurance policies.

Efforts to raise understanding of insurance polices ‘must be improved’

Alison Pearson, Employee Benefits Consultant with Acumen

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Q&A: Is Scotland’s mid-career workforce drowning in financial stress?

Tax

The latest figures from HMRC show the number of income tax payers is rising

More elderly paying income tax as number on higher rate also rising

Fears have been raised that Scottish government plans for air departure tax could put Aberdeen Airport at a competitive disadvantage

Aberdeen faces 'disadvantage' as SNP's air tax exemptions revealed

Retailers are amongst small businesses in Scotland to miss out on rates relief following a revaluation

Exclusive 4000 business premises missing out on rates relief scheme revaluation

Pensions

First Minister John Swinney

FM accused of 'misrepresenting' Burnham after triple lock comments

There are suggestions the Prime Minister could scrap the triple lock on pensions.

Explainer What is the pension triple lock, and could changes impact Scotland?

Cycle to Work

New path to pension funding

Savings and investments

Investments surge despite mounting economic and political concern

Jonathan Whan

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What’s the real cost?

Managing family finances

Investors brace for lower returns after strong market run

Opinion

Rosemary Gallagher

Poor insurance cover leads to super-complaint

This week, Which? launched a “super-complaint” against parts of the insurance industry in the UK.

Rosemary Gallagher

Rosemary Gallagher

Are you stashing cash under the mattress?

How high a mattress?

Sam Goult

Life experiences and peace of mind: what can your money do for you?

Harvest financial benefits while you can in run up to Autumn statement

By The Newsroom

More Scotsman Money

Model David Gandy has helped create a bow tie for senior dogs to highlight their need for more space, time and patience

Pet owners warned to prepare for the rising cost of older animals

The average price of a Scottish wedding is a piggy-bank breaking £23,000

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How to ensure your wedding day doesn’t cost you a happily ever after

The price of an MOT has been fixed for 15 years - but the costs keep going up.

Does the cost of your MOT mean it’s time to park your old motor

Lockerbie resident Sandra Gilston, 85, is one of those now facing a lengthy round trip to visit her bank.

Access denied: how bank branch closures are cutting off services

Scottish broadband users have been urged to support a petition for fairer pricing

Scots warned over £48 broadband bill increases

Ad Feature Why the whisky downturn could create a buying opportunity

How unused pension pots will soon be hit by IHT

Ad Feature How unused pension pots will soon be hit by IHT

Laurie Duncan, owner, co-founder and director of Real Property Scotland.

‘Unmortgageable’ homes being snapped up by Scots investors

Understanding what you have put away for your pension is vital to ensuring you can enjoy retirement

Scots urged to check pensions value to keep on track for retirement

Jonathan Whan, Associate Planner at Acumen Financial Planning

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Q&A: Starting young with money

New plug-in solar panels are opening up the technology to far more people.

Could plug-in options mean now is the time to go solar?

Artificial Intelligence

The future's bright - just try not to get burned Gareth Edwards

Fernhill School was among those affected by the VAT change

Independent schools counting the costs of rising VAT

There is a growing trend for people to be online 'influencers' outwith their main job.

Managing employees who are also influencers – the considerations By The Newsroom

Andrew Sutherland

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Q&A: How do you know if you're on track for retirement?

Power of Attorney is a way of protecting yourself in future.

Why are so few of us protecting our future selves?

New 10p coins bearing the King’s portrait have entered circulation for the first time, as reports suggest the use of cash is rising.

Return of the King - is cash on the way back?

Households are facing higher energy bills after regulator Ofgem raised its price cap

Energy bills rising as households count the cost of Iran conflict

Dog owners need to be prepared to cover the cost of vet bills

Man’s best friend, savings worst enemy as Scots face higher vet bills

There has been a rise in the number of 'finfluencers' on social media

Ad Feature 'Finfluencers': Do they help or hinder?

Luxury cars are a dream for many motoring enthusiasts

Could your dream car be more affordable than you think?

Food is one of the biggest regular expenses now faced by students

Students more worried about money than ever as cost of living bites

AI Poses risks to banks - but also presents opportunities.

Banks getting prepared for the risks and rewards created by AI

Millions of people are now using AI tools for financial advice

Ad Feature Is regulation keeping up with AI chatbots?

Dolly Parton

Barely getting by? UK is all takin' and no givin' Gareth Edwards

This Edinburgh business can help find the right financial solution for your business

Ad Feature Connecting businesses to innovative funding products, no up front fees

Wendy Morrison

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Balancing the family books

Farmers staged protests in over the changes to inheritance tax rules

Scottish farmers urged to plan for the future despite tax fears

The shirt worn by Pele during the 1958 World Cup final sold for £3.6m at a Sotheby's auction in New York

Summer of sport brings investment opportunity from priceless memories

Andy Burnham is the UK’s 5th PM since 2020

The new Messiah will need an economic miracle to solve our problems Gareth Edwards

The recent heatwave is sign of things to come, and that could mean rising energy bills

Heatwave sends energy bills soaring as Scotland faces hotter future

Savers are not considering the impact of inflation

Scottish cash savers underestimate the impact of inflation

Destination weddings are one of the reasons why costs for guests are on the rise

Scots say ‘I don’t’ to wedding invites as cost of being a guest rises

Holidaymakers have been urged to take care when booking their summer getaway

Call for online caution as holiday scams on the rise

Tricia Halliday

Ad Feature Inheritance Tax changes: what family businesses need to know

Sam Goult of AC Wealth

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How Inheritance Tax changes could affect your pension

Peter Murrell has been jailed for embezzling more than £400,000 from SNP accounts.

How to spot if your partner is involved in ‘financial infidelity’

Recent issues with online banking have raised concerns

More support needed to help older people use online banking

Get real: Steve Nelson says good personalised financial advice is not something you can successfully automate.

Turn down unhelpful noise of AI advice Steve Nelson

Money.

World’s first trillionaire sparks calls for global wealth tax Gareth Edwards

Alison Pearson of Acumen Employee Benefits

Ad Feature Consultants at the ready

More and more people are buying electric cars.

Is it time to switch to an electric car?

The Scottish Government's 'mansion tax' has taken a step forward

Could a ‘Mansion Tax’ be the start of a real Scottish wealth tax?

A 22% levy is set to be introduced on interest earned from cash held in stocks and shares Isas

New charge to stop Isa savers bending bending the rules

Elon Musk’s SpaceX IPO was a huge success.

Explosive launch for SpaceX as investors take risk on future of AI

William Murray, Viscount Stormont, is custodian and general partner of the historic estate at Scone Palace.

Next generation ‘vital’ to the future of Scotland’s rural estates

Precarious pensions

Current state of savings in the UK declared ‘precarious’

Retirement can be a long road

Retirement can be a long road...

Rosemary Gallagher

Unwelcome news caps the week

Emerging markets

Emerging markets come into their own

Holyrood urged to act on debt

Holyrood urged to act: majority of Scots hit by problem debt

Meeting the cost of energy

Seek support for energy bills with urgency

Can we close the gender money gap?

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What’s the real cost?

Final account: direct cremation route

Future finances

Scotland’s pensions timebomb: over-40s too reliant on benefits

Lifetime ISAs

Government urged to build on success of Lifetime ISAs

Housing market

Homing in on uplifting developments for property

IHT concerns

Concerns as more families being pulled into IHT net

Scots worry about finances

Scots up to high doh about dough

Don't just bank on savings

Don’t just bank on savings to raise interest