Money Insider: Search for returns – and a worrying rise in debt – define our post-crash, low-rate 2014

The amount of money being borrowed on credit cards grew rapidly in 2014

Currency rates on display at an exchange office in Moscow

Where to look for returns in 2015: What will happen to stock markets?

The coming year is expected to provide opportunities for patient investors

Your money: Let’s hope for a fairer, more honest 2015

Poor service from banks and energy companies has sadly been a theme this year

Questions of Cash: What are my rights if my leak is caused by neighbours’ roofs?

Q: I have a severe water leak coming in from two sides of an upstairs room in my terraced house. The property was reroofed a few months ago.

Bargain Hunter: Your signpost to late discounts as panic grips Britain's high streets

Today has been dubbed Panic Saturday as 13 million people are expected to continue to search for bargains. A report from the Centre for Retail Research anticipates that in-store spending will hit £1.2bn – or £2.1m for every minute the shops are open – as crowds battle for last-minute gifts and groceries.

Citizens Advice criticises BT, Sky and Talk Talk for not making real costs of broadband clear

Charity said free or cut-price broadband deals for a set time are misleading

Mark Dampier: Maybe boom, maybe bust, but we'll probably just muddle along

It's that time again when the media looks back over the past year and forward to the next. I am reminded of an old film, The Day the Earth Caught Fire (1961). Near the end of the film a newspaper prints two headlines – which one it uses will depend on whether the world is saved or doomed.

Questions of Cash: I checked in with Air France in time and still missed the plane

Q. I bought a ticket online from Air France to travel from Birmingham to Paris for a business meeting. I could not check in online because the website was not offering that option.

Donald MacInnes: It would be childish and unhelpful to compare Ukip to the Nazis...

As I dictate these words to my long-time stenographer, Mrs Cooper, I am reclining on my sick bed, its inert, Bauhaus-inspired lines interrupted and, to my shame, very much corrupted by the gothic filigree flourishes of – and there is really no way of putting this elegantly – my hardened snot.

Derek Pain: I'm looking to recruit new shares to lift my selection to a sweet 16

I am examining four possible additions to the No Pain, No Gain portfolio. Quite clearly it needs recruits, with its number down to a dozen and one constituent, Spirit Pub Co, due to depart next year.

Simon Read: Trust no one if asked to fill in an online questionnaire

Is it just me or have the online crooks been getting busier recently? I received a message this week that just said: "I decided to WILL the sum of $14,258,000.00 USD to you". Not all scams are so obvious.

Weekly Money: round-up of the personal finance stories you may have missed 15-19 December

Misleading broadband ads; High-charging pension funds; Pensioner Bonds; Basic bank accounts; Energy suppliers still wasting our time; the stories we noticed this week.

Move fast to get a Pensioner Bond

Last week the Treasury announced the rates for the new pensioner bonds, announced in March’s Budget, which will be issued by the government-backed National Savings & Investments in January.

Banks must ensure that no-one’s penalised for not having an account

Can you imagine what life would be like if you didn’t have a bank account? OK, it may mean you wouldn’t ever face excessive charges for unexpectedly going into the red. And it would also mean you’d never again have to cope with the bank’s computer cock-ups which have left millions without access to their cash.

Money : Peter Foster in his garden at East Dean, Sussex

Simon Read: How to live your retirement to the full

Picking the right annuity could mean the difference between scraping by and packing in as much adventure as possible

Money
Get reductions of half price or more on nail polishes
deals
Money
London is the UK’s burglary claim capital according to Moneysupermarket’s annual Burglary Claims Tracker
A round-up of the personal finance stories you may have missed 19-23 January
Money
Watchdog warning for savers and energy firm cuts prices
Money
Come home to energy-efficient heating this winter
deals
Money
A round-up of the personal finance stories you may have missed 12-16 January
Money
Inflation halves; energy firm cuts prices
Money
Rome is just one of the cities where you can save on room rates
deals
Money
More than half of UK homeowners are concerned about unexpected winter costs, according to a survey by for Homeserve
A round-up of the personal finance stories you may have missed 5-9 January
Money
Controlling credit as Christmas bills hit home
Money
Search for returns – and a worrying rise in debt – define our post-crash, low-rate 2014
Money
deals
Money
Pensioner bonds; basic bank accounts and energy-saving at Christmas
Money
deals
Money
It is expected that the tax, to be introduced in April, will raise £1.3bn over the next five years
A round-up of the personal finance stories you may have missed 1-5 December
Money
For whom the Christmas bells toll? Shoppers should be wary of 'bargains' and 0 per cent deals on credit cards
comment
Money
The first website that allows travellers with pre-existing medical conditions planning a cruise to compare policies and buy cover has been launched at Allclearcruise.co.uk
deals
Money
A round-up of the personal finance stories you may have missed 24-28 November
Money
Paying for Christmas, savings cheats, rising inflation hits home and bargain books
Money
Video: Simon Read offers some advice on ensuring you enjoy Christmas without the financial hangover
Money
The LED Hut range could help you cut festive bills for years to come
deals
Financial products from our partners
Property search
On Google+
The Independent
 
The Independent on Google+
i100
i100 on Google+
i Newspaper
 
TheIPaper
The Independent around the web
Have you tried new the Independent Digital Edition apps?
Independent Dating
and  

By clicking 'Search' you
are agreeing to our
Terms of Use.

Property search
iJobs Job Widget
iJobs Money & Business

Recruitment Genius: Tax Assistant

Negotiable: Recruitment Genius: A Tax Assistant is required to join a leading ...

Recruitment Genius: Outbound Sales Executive - OTE £25,000

£16000 - £25000 per annum: Recruitment Genius: This is an exciting opportunity...

Ashdown Group: Java Developer / J2EE Developer - Watford - £45,000 - £47,000

£45000 - £47000 per annum + bonus + benefits: Ashdown Group: Java Developer / ...

Ashdown Group: Marketing Product Manager - (Financial Services) - SW London

£35000 - £38000 per annum + Benefits: Ashdown Group: Marketing Manager - Marke...

ES Rentals

    Day In a Page

    Independent Travel
    Pompeii, Capri & the Bay of Naples
    Dubrovnik, the Dalmatian Coast & Montenegro
    Burgundy, the River Rhone & Provence
    Lisbon, Oporto and the Douro Valley
    Lake Garda, Venice & Verona
    Spain
    Prices correct as of 23 January 2015
    Syria crisis: Celebrities call on David Cameron to take more refugees as one young mother tells of torture by Assad regime

    Celebrities call on David Cameron to take more Syrian refugees

    One young mother tells of torture by Assad regime
    The enemy within: People who hear voices in their heads are being encouraged to talk back – with promising results

    The enemy within

    People who hear voices in their heads are being encouraged to talk back
    'In Auschwitz you got used to anything'

    'In Auschwitz you got used to anything'

    Survivors of the Nazi concentration camp remember its horror, 70 years on
    Autumn/winter menswear 2015: The uniforms that make up modern life come to the fore

    Autumn/winter menswear 2015

    The uniforms that make up modern life come to the fore
    'I'm gay, and plan to fight military homophobia'

    'I'm gay, and plan to fight military homophobia'

    Army general planning to come out
    Iraq invasion 2003: The bloody warnings six wise men gave to Tony Blair as he prepared to launch poorly planned campaign

    What the six wise men told Tony Blair

    Months before the invasion of Iraq in 2003, experts sought to warn the PM about his plans. Here, four of them recall that day
    25 years of The Independent on Sunday: The stories, the writers and the changes over the last quarter of a century

    25 years of The Independent on Sunday

    The stories, the writers and the changes over the last quarter of a century
    Homeless Veterans appeal: 'Really caring is a dangerous emotion in this kind of work'

    Homeless Veterans appeal

    As head of The Soldiers' Charity, Martin Rutledge has to temper compassion with realism. He tells Chris Green how his Army career prepared him
    Wu-Tang Clan and The Sexual Objects offer fans a chance to own the only copies of their latest albums

    Smash hit go under the hammer

    It's nice to pick up a new record once in a while, but the purchasers of two latest releases can go a step further - by buying the only copy
    Geeks who rocked the world: Documentary looks back at origins of the computer-games industry

    The geeks who rocked the world

    A new documentary looks back at origins of the computer-games industry
    Belle & Sebastian interview: Stuart Murdoch reveals how the band is taking a new direction

    Belle & Sebastian is taking a new direction

    Twenty years ago, Belle & Sebastian was a fey indie band from Glasgow. It still is – except today, as prime mover Stuart Murdoch admits, it has a global cult following, from Hollywood to South Korea
    America: Land of the free, home of the political dynasty

    America: Land of the free, home of the political dynasty

    These days in the US things are pretty much stuck where they are, both in politics and society at large, says Rupert Cornwell
    A graphic history of US civil rights – in comic book form

    A graphic history of US civil rights – in comic book form

    A veteran of the Fifties campaigns is inspiring a new generation of activists
    Winston Churchill: the enigma of a British hero

    Winston Churchill: the enigma of a British hero

    A C Benson called him 'a horrid little fellow', George Orwell would have shot him, but what a giant he seems now, says DJ Taylor
    Growing mussels: Precious freshwater shellfish are thriving in a unique green project

    Growing mussels

    Precious freshwater shellfish are thriving in a unique green project