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

3 pension changes that could grow your pot by more than £200,000

4 weeks 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

1 month 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?

1 month 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?

1 month 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?

1 month 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?

1 month 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.
How to make money from your spring clean - Which? News

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

A good declutter doesn’t just free up space – it can put extra cash in your pocket. Many retailers and online platforms offer trade-in or recycling schemes that reward you for decluttering. From beauty packaging to old tech, here’s how you can recycle or trade in while earning rewards. Get rewarded for recycling empty beauty and toiletry packaging with these schemes:Boots runs two recycling schemes that reward you for disposing of hard-to-recycle packaging.
Chase cashback shake-up: can you earn more elsewhere?

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

A Chase bank account is a popular option for cashback hunters, offering 1% back on most purchases – but that’s about to change. From next month, the digital bank is reducing its list of eligible transactions and cutting out some of the spending categories that made it so popular, including earning cashback on overseas spending. Here, we explain what’s changing, whether it’s still worth keeping a Chase card in your wallet and the alternatives if you’re looking for a better deal.