Grace Witherden

London, Maidenhead

Personal Finance Journalist at Which? Money

Personal finance journalist at @WhichMoney. Covering pensions, credit cards, wills / probate and money saving tips. Views always my own

Articles

State pension errors and underpayments – are you owed money? - Which?

1 week ago | which.co.uk | Grace Witherden

Thousands of parents and carers who took time out of work to look after children before 2010 could be missing out on state pension payments due to gaps in their National Insurance records – and only a small number have been paid so far. New figures show that just 12,379 people have received back payments due to missing credits linked to Home Responsibilities Protection (HRP). Here, Which? explains what’s gone wrong and how to check whether you’re affected.
Nationwide £100 bonus returns – here’s how to get it - Which?

1 week ago | which.co.uk | Grace Witherden

Nationwide is once again paying £100 to millions of its customers, with this year’s Fairer Share payment set to land between 18 June and 4 July. The building society has also launched a £200 switching offer for members who don’t already use Nationwide as their main bank, along with a fixed-rate bond paying 5% interest for 18 months. Here, Which? explains who qualifies for the bonus, how to claim the switch deal, and what else is available to members.
3 pension changes that could grow your pot by more than £200,000

1 month ago | which.co.uk | Grace Witherden

If you’re looking to give your pension a lift, small changes can make a big difference over time. An analysis by Interactive Investor found a few practical tweaks could increase the pension pot of an average earner by more than £243,000 over a 40-year career. Here, we explain how you can make the most of your pension savings. One of the biggest influences on your pension pot isn’t your own contributions – it’s what your employer pays in.
Banking with dementia: how to manage your money and access support

1 month ago | which.co.uk | Grace Witherden

When a doorstep scammer convinced Alison Heywood’s mum to buy a £1,000 mattress, it was the first sign that Freda, who had dementia, was struggling to manage her finances. ‘I think I’ve done something silly,’ Freda later told Alison, after paying a £500 deposit for the mattress, which never arrived.
Trump tariffs: what they mean for your pension and investments - Which?

1 month ago | which.co.uk | Grace Witherden

Global stock markets fell following the announcement of new US import tariffs, with UK pensions and investments affected. The tariffs, most of which came into effect on 5 April, include new charges on a wide range of goods, including a 10% levy on exports from the UK. Here, we explain what’s happened so far and what to keep in mind if you’re saving or investing for the future. Tariffs are taxes placed on goods that are imported from other countries.
Student loan changes: how much you’ll repay in 2025-2026

2 months ago | which.co.uk | Grace Witherden

Student loan repayment thresholds are rising in the 2025-2026 tax year, resulting in slightly lower monthly repayments for some graduates. However, interest rates remain high, meaning the total cost of borrowing could continue to climb, especially for those on newer loan plans. Here, we explain what’s changing in the 2025-26 tax year, how interest is set and when student loans are written off. Graduates are liable to start paying back their student loans from the April after their course finishes.
9 cheap and free things to do over the Easter holidays - Which?

2 months ago | which.co.uk | Grace Witherden

Looking for low-cost ways to keep your family entertained this Easter? From £1 meals and cinema deals to hands-on workshops and museum exhibitions, we've rounded up 9 ways to fill the school holidays without breaking your budget. Plenty of cafés and supermarkets run kids eat free deals during the holidays. Here are the best offers under £5. Asda: kids eat for £1 all day, with no adult spend required. Ikea: kids eat from 95p. Available every day from 11am.
4 reasons to consider leaving a gift to charity in your will - Which?

2 months ago | which.co.uk | Grace Witherden

A rising number of people are choosing to leave a gift to charity in their will – and even a small amount can have a meaningful impact. According to Remember A Charity, nearly one in three over-40s with a will have included a charitable gift. But it's not just good for the cause; it could work in your favour too. Here, we explain how to leave a gift in your will and four key benefits in doing so. Some charities offer free will-writing services to people who are considering leaving them a gift.
4 in 10 parents don't have life insurance – is your family protected? - Which?

2 months ago | which.co.uk | Grace Witherden

By clicking a retailer link you consent to third-party cookies that track your onward journey. This enables W? to receive an affiliate commission if you make a purchase, which supports our mission to be the UK's consumer champion. If you have children who rely on your income, life insurance can offer financial protection – but many families are going without it.
Monzo launches bill splitting feature: how it compares to other banks and money apps - Which?

2 months ago | which.co.uk | Grace Witherden

Whether it's an evening out or a weekend away, confusion over who owes what – or someone failing to pay their share of the bill – can quickly sour the event. The challenger bank Monzo is hoping to fix that with Monzo Split, a new bill splitting feature it says takes the hassle out of shared spending. Here, we explain how it works, how it compares with tools offered by traditional banks, and the best alternatives if you’d rather not rely on memory or mental maths.