Income tax is complicated. Although it is usually automatically taken from your salary by your employer, mistakes can happen when the calculations go wrong, or if your circumstances change.

Life insurance is there to make sure your family could get by if you pass away. So if you are killed in a road accident or die from a heart attack, to give just two examples, your family would most likely receive a payout.

ISA stands for Individual Savings Account. It's a tax-free savings account available to UK residents.

When you're applying for a mortgage, lenders base their decision on what they think you can realistically afford to repay - and that's based on more than just your salary. They'll also look at your credit rating, of course.

A DRO could be the best way to put your debts behind you, but it can't help everyone with debt problems. Read our guide to find out whether a DRO could help you - and how it would do that.