Introduction 1

Book I: Organising Your Finances and Dealing with Debt 7

Chapter 1: Figuring Out Financial Goals, Financial Budgets, and Financial Advisers 9

Chapter 2: Choosing the Best Current Account for You 27

Chapter 3: Covering Yourself with Insurance 37

Chapter 4: Tackling Your Overdraft and Other Credit Nasties 51

Chapter 5: Choosing a Credit Card 71

Chapter 6: Weighing Up Personal Loans 83

Book II: Paying Less Tax 95

Chapter 1: Understanding Tax Basics 97

Chapter 2: Dealing with Self Assessment 111

Chapter 3: Taxing Family Situations 125

Chapter 4: Understanding Tax When You Work for Someone Else 145

Chapter 5: Working for Yourself Can Be Less Taxing 171

Chapter 6: Taxing Your Savings and Investments 187

Book III: Building Up Savings and Investments 217

Chapter 1: Squaring Risk and Return 219

Chapter 2: Saving for a Rainy Day 233

Chapter 3: Choosing a Mortgage 243

Chapter 4: Making the Most of Tax-Free Savings and Investments 263

Chapter 5: Delving Into Collective Investments 275

Chapter 6: Scrutinising Shares and Bonds 299

Chapter 7: Investing in Bricks and Mortar 329

Chapter 8: Making Exotic Investments 343

Book IV: Retiring Wealthy 355

Chapter 1: Planning for a Wealthy Retirement 357

Chapter 2: Making the Most of State and Workplace Pensions 369

Chapter 3: Picking Through Personal Pensions 395

Chapter 4: Taking Control with a Sipp 409

Chapter 5: Working with Your Pension 419

Chapter 6: Using Property for Retirement 439

Book V: Protecting Your Wealth for the Next Generation 449

Chapter 1: Working Out Why to Write a Will 451

Chapter 2: Deciding Who Gets What 467

Chapter 3: Choosing the Right People to Follow Your Wishes 485

Chapter 4: Dealing with Inheritance Tax 501

Chapter 5: Understanding Trusts 527

Chapter 6: Grasping the Basics of the Probate Process 553

Index 563