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Money Sorted is education, not advice. Everything on this site is written to help you understand how money works in the UK. It is not personal financial advice, and Money Sorted is not authorised or regulated by the Financial Conduct Authority. Before you make a decision that would change your money situation — borrowing, investing, switching a pension, buying insurance, cancelling a product, any of it — do your own thorough research, speak to someone authorised to give you advice for your specific circumstances, or use a free source like MoneyHelper to check what you're being told here against what applies to you. If you are in debt or struggling, StepChange offers free, impartial debt advice. Full details on our Disclaimer page.

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