Rachel Wait

England

Personal Finance Journalist at Freelance

Freelance personal finance journalist. Contact me at [email protected]

Articles

How much will you pay for the vehicle, charging and taxes?

1 week ago | telegraph.co.uk | Rachel Wait

The typical cost of installing an electric car charger at home ranges from £800 to £1,500, depending on the charger type, the complexity of the installation and the service provider. In some cases, you may even qualify for government support. Mike Vousden, EV expert at car retailer Motorpoint, said: "There are government grants available to help reduce this cost, but these are only available to individuals who rent or own a flat, or for landlords, and don't apply if you own your own house.
How to become a doctor

2 weeks ago | telegraph.co.uk | Rachel Wait

Telegraph Money explains the path to a career in medicine and whether it's right for youBecoming a doctor in the UK is a challenging yet highly rewarding journey that requires dedication, resilience and a genuine passion for helping others. To begin your training, you'll first need to achieve your medical degree before completing a two-year foundation programme. After this, you can decide whether you want to pursue a career as a general practitioner (GP) or specialise in one of 65 medical fields.
How much is private health insurance and is it worth it?

2 weeks ago | telegraph.co.uk | Rachel Wait

Since the Covid-19 pandemic, there's been a steady rise in demand for private health insurance, with a record 6.2 million people having cover, according to the Association of British Insurers. This growth has largely been driven by long NHS waiting lists and the continuing difficulty many face in securing GP appointments. Opting for private healthcare could shorten those waiting times and give you a choice over which specialist you see and which hospital you use.
Partnership bank account: do you need a joint business account?

2 weeks ago | money.co.uk | Rachel Wait

If you’ve set up a business as a partnership, you may need to open a business bank account. Even if it’s not a requirement, there are many reasons why a business bank account can be valuable.
Business expenses: what you can (and can’t) claim

2 weeks ago | money.co.uk | Rachel Wait

If you run a small business or limited company, it’s important to have a clear understanding of the business expenses you can deduct from your income when calculating your taxable profit. This guide runs through exactly what you can and can’t claim.
The stealthy phenomenon of 'lifestyle creep' and how to avoid it

3 weeks ago | telegraph.co.uk | Rachel Wait

Be mindful: Simply being aware of lifestyle creep is the first step in avoiding it. In recognising the risk of overspending when your income goes up, you're in a better position to curb it. Write a budget: "A budget is the best way to protect yourself," said Sarah Coles, of Hargreaves Lansdown. "It lets you lay out a reasonable sum to be spending in each area of your life.
How does car insurance work?

4 weeks ago | telegraph.co.uk | Rachel Wait

No-claims bonusFor each year you don't claim on your car insurance, you build up a no-claims bonus or no-claims discount. Andrew Lee, of insurance firm Swinton Insurance, said: "The more years of no-claims bonus you have, the lower the deemed risk in the eyes an insurer, which can consequently help reduce premiums."No-claims bonuses vary between insurers. You might get a discount of 30pc for your first claim-free year, and as much as 60pc off if you don't claim for five years or more.
How to get cheap car insurance: 16 tips to save

1 month ago | msn.com | Rachel Wait

Microsoft Cares About Your PrivacyMicrosoft and our third-party vendors use cookies to store and access information such as unique IDs to deliver, maintain and improve our services and ads. If you agree, MSN and Microsoft Bing will personalise the content and ads that you see. You can select ‘I Accept’ to consent to these uses or click on ‘Manage preferences’ to review your options and exercise your right to object to Legitimate Interest where used.
What is a business credit card and why do you need one? | money.co.uk

1 month ago | money.co.uk | Rachel Wait

A business credit card provides a flexible way for small businesses to borrow funds, helping them cover unexpected expenses, purchase inventory or improve cash flow. This guide takes a closer look at how they work and who can benefit most.
When is the best time to renew your car insurance?

1 month ago | msn.com | Rachel Wait

Microsoft Cares About Your PrivacyMicrosoft and our third-party vendors use cookies to store and access information such as unique IDs to deliver, maintain and improve our services and ads. If you agree, MSN and Microsoft Bing will personalise the content and ads that you see. You can select ‘I Accept’ to consent to these uses or click on ‘Manage preferences’ to review your options and exercise your right to object to Legitimate Interest where used.