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With colder weather on the way and energy prices creeping up again, Money Mentor David Braithwaite shares practical, money-saving tips to help you keep your home warm without overspending. In this episode, David explains the latest changes to the energy price cap, rising by 2% this October, and reveals clever ways to offset that increase […]

We’ve been absolutely delighted by the response to our upcoming Inheritance Tax Trap event. Within just a short time, we reached full capacity of 100 attendees, This is far beyond our expectations. A fantastic response that shows just how important and timely this subject has become. The Inheritance Tax Trap Because of this, we’ve now

In uncertain times, it’s tempting to delay financial decisions. But with inflation rising again, the UK facing its highest tax burden in decades, and more tax hikes expected in the Autumn Statement, doing nothing could end up costing you more than you think. Here are five things worth checking, especially if you’ve never spoken to

Online fraud is becoming increasingly sophisticated, and a recent attempt targeting Citrus Financial shows just how convincing these scams can be. Salary diversion fraud, also known as payroll redirection fraud, is a growing threat to both employers and employees. Here’s what you need to know and how to stay safe. How the scam works Fraudsters

Are premium bonds still a good place for your savings — or just a nostalgic gamble? In this episode of The Money Mentor, David Braithwaite breaks down exactly how premium bonds work, their pros and cons, and what’s changed since they were first introduced nearly 70 years ago. David explains how these government-backed savings bonds

Uni life is all lectures, late nights and leftover pizza — but a few smart money moves now can save a lot of grief (and cash) later. In this Money Mentor episode, David Braithwaite shares practical tips for freshers and families: which student bank accounts offer the best perks (cash bonuses, railcards, takeaway credits), how

Inheritance Tax (IHT) has long been one of the most contentious areas of financial planning. With frozen thresholds and rising property values, more families than ever are already being caught in the IHT net. And from April 2027, things are set to get even more complex. As announced in the October 2024 Budget, pensions are

If you live in Kent, you’ve probably heard David Braithwaite’s voice before. As the Money Mentor on BBC Radio Kent, he’s known for making financial topics easy to understand, and fun to listen to. But away from the microphone, David is also the founder and Principal Adviser at Citrus Financial, a business he built from

Inheritance Tax (IHT) has always been a hotly debated subject, but it’s now firmly in the spotlight again as the Chancellor looks for ways to raise more money for the Treasury. With potential changes on the horizon, it’s more important than ever to understand how IHT works, and what it could mean for your family’s

Retirement isn’t what it used to be — and that’s a good thing. In this Money Mentor episode, David Braithwaite talks about how retirement has evolved from the traditional “gold watch on Friday, retired on Monday” model to a more flexible, purposeful stage of life. David explores why many people now work part-time, consult, or