The Most Up to Date Figures for the Book

[p. 32, 40] 16-17 £10,910 | 18-21 £17,284 | 22-29 £24,600 | 30-39 £30,865 | 40-49 £33,477 | 50-59 £31,358 | 60+ £27,508 (Ref)

[p. 33] Part-time age limit 13 (Ref)

[p. 33, 40, 41] Apprentice £6.40 | 18 and under £6.40 | 18-20 £8.60 | 21 and over £11.44 (Ref)

[p. 38] Apprentice minimum age 16 (Ref)

[p. 38] Apprentices should be studying for at least 20% of their contracted hours (Ref)

[p. 39] Apprentices get a minimum of 20 days of holiday per year (Ref)

[p. 39] University undergrad annual tuition fees are up to £9,535, and free for Scottish nationals studying in Scotland, and up to £4,855 for Northern Irish studying in Northern Ireland (Ref)

[p. 43] Tax-free redundancy pay allowance £30k (Ref)

[p. 44] There is no specific process to dismiss someone by law - you must simply do it fairly (Ref)

[p. 54] Automatic pension enrolment age is 22 and earning £10,000 per year or more (Ref)

[p. 54] Lower Earnings Threshold is £6,396 (Ref)

[p. 54] Legal minimum employer contribution 3% (Ref)

[p. 54] Legal minimum combined contribution 8% (Ref)

[p. 58] Minimum holiday allowance is 5.6 weeks, or 28 days (Ref)

[p. 59] Statutory sick pay is £116.75 per week (Ref)

[p. 59] Statutory sick pay can last up to 28 weeks (Ref)

[p. 59] Statutory paternity leave is 2 weeks, paid at £184.03 or 90% of weekly salary if that is lower (Ref)

[p. 59] Statutory maternity leave is up to 39 weeks, where the first 6 weeks are paid at 90% of the salary, and beyond that at £184.03 or 90% of weekly salary if that is lower (Ref)

[p. 66, 67, 68, 72] Personal allowance is £12,570 (Ref)

[p. 66, 67] Basic Rate is 20% on everything between your Personal Allowance and £37,700 (Ref)

[p. 66, 67] Higher Rate is 40% on everything between the Basic Rate and £125,140 (Ref)

[p. 67, 72] Your personal allowance erodes by £1 for every £2 you earn over £100,000 (Ref)

[p. 67] Additional Rate is 45% on everything above the Higher Rate (Ref)

[p. 68] Marriage Allowance is £1,260 (Ref)

[p. 68] Blind Person's Allowance is £3,070 (Ref)

[p. 68] Scottish income taxes - please refer to the link  (Ref)

[p. 69] Lower Earnings Limit of £533 - 0% (but get the benefits of NI) | Up to Primary Threshold of £1,048 - 0% | Up to Upper Threshold of £4,189 - 8% | Anything Above - 2% (Ref)

[p. 69] Employer National Insurance is 13.8% (Ref)

[p. 70] You need to have contributed 35 full years' worth to receive full state pension (Ref)

This chapter has no variable figures.

[p. 98] Please refer to data above (4. Salaried Employees)

[p. 104] VAT is 20% (Ref)

[p. 105] VAT threshold is £90,000 (Ref)

[p. 106] Please refer to data above (4. Salaried Employees)

[p. 107] Please refer to data above (4. Salaried Employees)

[p. 107] Please refer to data above (4. Salaried Employees)

[p. 107] For Basic Rate taxpayers - 8.75% | For Higher Rate taxpayers - 33.75% | For Additional Rate taxpayers - 39.35% (Ref)

[p. 108] State retirement age is 66 (Ref)

[p. 108] For the self-employed the National Insurance threshold is £12,570 (Ref)

[p. 108] Class 2 National Insurance applies to business that have made less than £6,725 profit (Ref)

[p. 108] Class 2 is a flat rate of £3.45 per week, or £179.40 per year (Ref)

[p. 108] Class 4 charged on profit between £12,570 and £50,270 at 6% (Ref)

[p. 108] Class 4 NI is 2% on profits above £50,270 (Ref)

[p. 108] If you draw a salary from your company, you'll be liable to paying NI at 8% between £12,570 and £50,270, and 2% on anything above that (Ref)

[p. 108] Employers have to pay NI of 13.8% on salaries above £9,100 (Ref)

[p. 110] UK landlords can earn £1,000 of tax-free rental income (Ref)

[p. 110] The requirements for individuals in a relationship claiming child benefits seem to have changed and are unclear - please do your own research if this applies to you

[p. 111] Taxable income is over £150,000 (Ref)

[p. 111] Penalty for a late tax return is up to £100 if it is up to three months late (Ref)

[p. 117] Universal Credit is broken up into several different types - check for your circumstances by clicking the link (Ref)

[p. 118] For every £1 you earn in excess , your payments will go down by 55p (Ref)

This chapter has no variable figures.

[p. 219] Typical overdraft APR: 15% to 40% (Ref)

[p. 220] Typical credit card APR: 24.3% (Ref)

[p. 221] Typical bank loan APR: 5% to 10% (Ref)

[p. 222] Typical peer-to-peer APR: 3% to 30% (Ref)

[p. 223] Typical payday APR: 1,250% (Ref)

[p. 223] The FCA has capped payday lenders' rates at 0.8% per day (Ref)

[p. 224] Typical PCP APR: 5% to 14% (Ref)

[p. 224] Typical HP APR: 4% to 8% (Ref)

[p. 226] Typical Buy Now, Pay Later APR: 0% to 29% (Ref)

[p. 227] Typical student loan APR: 7.1% to 7.3% (Ref)

[p. 228] The annual undergraduate tuition fees in the UK are £9,535 (Ref)

[p. 228] The annual maintenance loan in the UK ranges from £3,790 to £12,367 (Ref)

[p. 228] Typical mortgage APR: 4% to 6% (Ref)

[p. 232] Plan 1 (£24,990) - 9% | Plan 2 (£27,295) - 9% | Plan 4 (£31,395) - 9% | Plan 5 (£25,000) - 9% | Postgraduate Loan (£21,000) - 6% (Ref)

This chapter has no variable figures.

This chapter has no variable figures.

[p. 249, 254] If you owe less than £50,000, you can apply for a DRO (Ref)

[p. 249, 255] There is no DRO application fee (Ref)

[p. 249] Lenders can declare you bankrupt if you owe more than £5,000 (Ref)

[p. 250] When bankrupt, you cannot borrow more than £500 without declaring your bankruptcy (Ref)

[p. 250] When with a DRO, you cannot borrow more than £500 without declaring your DRO (Ref)

[p. 254] Under the 'Debt Respite Scheme' you can get up to 60 days of protection (Ref)

[p. 254] To apply for a DRO, you must have less than £2,000 in assets (Ref)

[p. 254] To apply for a DRO, you must not have much spare income, usually less than £75 at the end of each month (Ref)

[p. 254] To apply for a DRO, you cannot have applied for one in the last 6 years (Ref)

[p. 255] A DRO will mean you don't have to make payments for 12 months (Ref)

[p. 256] To apply for an Administrative Order, you must owe less than £5,000 (Ref)

This chapter has no variable figures.

This chapter has no variable figures.

This chapter has no variable figures.

[p. 354, 356, 375] The annual ISA allowance is £20,000 (Ref)

[p. 355] The annual LISA allowance is £4,000, and will receive a 25% bonus (Ref)

[p. 356] You must be between 18 and 40 to open a LISA, and can contribute until the age of 50 (Ref)

[p. 357] The annual Junior ISA allowance is £9,000 (Ref)

[p. 357] A Junior ISA recipient will be able to manage the investments at 16, and withdraw money from 18 (Ref)

[p. 358, 375] The British ISA initiative has been scrapped (Ref)

[p. 374] Capital gains tax allowance is £3,000 (Ref)

[p. 375] Basic rate is paid up to £50,270 (Ref)

[p. 375] 10% tax is charged on capital gains above the tax-free allowance if you are within the basic rate band (Ref)

[p. 375] 20% tax is charged if your annual income falls within the higher rate tax band or above (Ref)

[p. 375] Capital gains tax on residential property is 24% (Ref)

[p. 376] The dividend tax-free allowance is £500 (Ref)

[p. 376] The personal allowance is £12,570 (Ref)

[p. 377] Basic Rate - 8.75% | Higher Rate - 33.75% | Additional Rate - 39.35% (Ref)

[p. 377] The starting rate is £17,570, an additional £5,000 (Ref)

[p. 377] The basic rate interest allowance is £1,000 (Ref)

[p. 377] The higher rate interest allowance is £500 (Ref)

[p. 378, 379] Up to £250,000 - 5% | The next £675,000 up to £925,000 - 10% | The next £575,000 up to £1,500,000 - 15% | Anything over £1,500,000 - 17% (Ref)

[p. 380] Up to £180,000 - 5% | Up to £250,000 - 8.5% | Up to £400,000 - 10% | Up to £750,000 - 12.5% | Up to £1,500,000 - 15% | Anything over £1,500,000 - 17% (Ref)

[p. 380] The rental income tax-free allowance is £1,000 (Ref)