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Why Financial Education Matters Before Your First Payslip Arrives

by Business AdviceEventsFinancial PlanningUncategorized

Do you remember receiving your first payslip?

For many people, it is an exciting milestone. But it can also be confusing. After weeks of hard work, the number arriving in your bank account often looks very different from the salary figure you expected.

Income Tax, National Insurance, pension contributions, deductions and everyday living costs are things most of us eventually learn about. The question is whether young people should have to figure it all out for themselves.

We think financial education is one of the most valuable life skills young people can develop.

Understanding how money works, from payslips and budgeting through to saving and financial decision-making, can help build confidence and lay the foundations for a stronger financial future.

Bringing Financial Education to Life

On Friday 22nd May, our Financial Adviser Andy Cox delivered a Financial Education session at The Origin Workspace in Bristol in partnership with South Bristol Youth.

Using the interactive Money Moves game, students worked together in teams to navigate a series of real-life financial scenarios. From budgeting and salaries to bills, savings, unexpected expenses and financial decision-making, the session was designed to make money management practical, engaging and relatable.

Rather than learning through textbooks or presentations, students were encouraged to experience some of the choices and trade-offs that many adults face every day.

Andy Cox said:

“Financial education is one of those subjects that becomes relevant incredibly quickly once young people leave school. The more confident they can become with money before that point, the better prepared they’ll be for the opportunities and challenges ahead.”

Building Confidence Through Practical Skills

Financial literacy is about far more than numbers.

It is about understanding choices, developing confidence and learning how small decisions can have a long-term impact.

Many adults will admit there are things they wish they had learned earlier about budgeting, saving, borrowing and managing money. Sessions like these help bridge that gap by introducing financial concepts in a way that feels accessible and relevant.

Andy added:

“One of the things that stood out was how quickly the students engaged with the scenarios. Once they could see how the decisions related to real life, the conversations and questions came naturally.”

Working Together for the Community

We are fortunate to work alongside South Bristol Youth, whose team continues to create opportunities, support and positive experiences for young people across the local community.

Their commitment to helping young people grow in confidence, develop new skills and prepare for the future makes partnerships like this incredibly valuable.

By bringing together practical financial education with engaging activities, we hope to help equip more young people with skills that will benefit them throughout their lives.

Looking Ahead

This session is part of a wider commitment offer care to our local communities and help young people build confidence around money.

As financial decisions become increasingly complex, we believe access to practical financial education has never been more important.

We look forward to continuing to develop opportunities to bring financial education into schools, colleges and youth settings across Bristol and beyond.

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Why Global Events Are Affecting Household Finances Faster Than Ever

by Financial PlanningUncategorized

Over recent years, global events have started to feel much closer to home financially.

Conflicts thousands of miles away, supply chain disruption, rising energy prices and geopolitical uncertainty are no longer abstract economic stories discussed only by governments and markets. Increasingly, they are showing up directly in household budgets, mortgage rates, fuel prices and everyday financial decisions.

The latest rise in UK energy bills is another example of this shift. Millions of households are expected to see higher costs following disruption to global energy supplies linked to the ongoing conflict involving Iran and the Strait of Hormuz, one of the world’s most important oil and gas shipping routes.

For many people, the speed at which these global events now affect everyday finances is striking.

From Global Headlines to Household Budgets

The UK is not directly involved in the conflict, yet households are still likely to feel the effects through higher gas and electricity prices, increased fuel costs and broader inflationary pressure.

That is because modern economies are deeply interconnected.

Energy markets, supply chains, shipping routes, interest rates and inflation expectations are now closely tied together globally. A disruption in one part of the world can quickly ripple through to businesses, lenders and consumers elsewhere.

The result is that financial shocks often arrive faster than they once did.

According to Ofgem, the average annual household energy bill is expected to rise significantly again this year as higher wholesale gas prices feed through into the UK market.

At the same time, economists continue to warn that prolonged energy disruption could keep inflation higher for longer and influence future interest rate decisions.

Why This Matters Beyond Energy Bills

Rising energy costs are only one part of the picture.

Higher inflation can gradually affect almost every area of household finances:

  • mortgage costs and borrowing rates
  • savings returns in real terms
  • food and transport prices
  • business costs and employment confidence
  • investment markets and retirement planning

We saw this clearly during the inflation spike following the war in Ukraine, and many economists believe periods of geopolitical instability may become more frequent rather than less.

In practical terms, this means financial planning increasingly needs to account for uncertainty, not just stability.

The Importance of Financial Resilience

During periods like this, reacting emotionally to headlines is rarely the answer.

But these moments do serve as an important reminder of the value of financial resilience.

That resilience can look different for different people. For some, it may mean reviewing household spending or building emergency savings. For others, it could involve revisiting mortgage arrangements, protection planning, retirement income or longer-term investment strategy.

Importantly, resilience is not about predicting every global event correctly. Very few people can.

It is about creating plans that are flexible enough to cope with uncertainty when it arrives.

A More Uncertain World Requires Longer-Term Thinking

One of the challenges of modern news cycles is that they encourage short-term thinking. Markets move quickly, headlines change daily and uncertainty can easily create anxiety.

Yet history repeatedly shows that financial decisions made purely in reaction to periods of fear or volatility are often not the most effective ones.

Long-term financial planning has always involved navigating uncertainty in one form or another. What has changed is the speed at which global events now feed into everyday life.

That makes clear thinking, perspective and adaptable planning more valuable than ever.

At Digby Associates, we believe good financial advice should provide reassurance as well as strategy, helping people make considered decisions even during periods of uncertainty and change.

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Passing on Wealth From Surplus Income: What You Need to Know

by Financial PlanningTax Planning

One of the most useful inheritance tax exemptions is often one of the least understood.

Section 21 of the Inheritance Tax Act 1984 allows people to make regular gifts from surplus income without those gifts being subject to inheritance tax. Unlike many other lifetime gifts, there is no need to survive seven years for the exemption to apply.

For families looking to pass on wealth gradually, this can be an extremely effective planning tool.

What is the exemption?

In simple terms, gifts will usually be exempt from inheritance tax if they:

  • Form part of a normal pattern of giving;
  • are made out of income rather than capital; and
  • do not affect the donor’s usual standard of living.

All three conditions must be met.

What counts as “normal expenditure”?

The gifts must be regular or intended to be regular.

This does not mean they have to be made every month or for the same amount, but there should be a clear pattern or intention behind them.

Common examples include:

  • paying school fees for grandchildren;
  • monthly gifts to children;
  • regular contributions to savings accounts; or
  • paying insurance premiums on behalf of another person.

A one-off payment is less likely to qualify unless there is evidence that it formed part of a wider gifting plan.

Gifts must come from income

The exemption only applies where the gifts are funded from income.

Income might include:

  • salary;
  • pension income;
  • rental income;
  • dividends; or
  • interest received.

Using savings or investment capital will usually prevent the exemption from applying.

HMRC will often look at the donor’s finances as a whole to decide whether the gifts genuinely came from surplus income.

Maintaining your standard of living

The donor must still be able to maintain their usual lifestyle after making the gifts.

If gifts are so large that the donor later needs to rely on savings to meet day-to-day living costs, HMRC may argue that the exemption does not apply.

The key point is that the gifts should come from income that is genuinely surplus to requirements.

Why Section 21 is valuable

The exemption is particularly attractive because:

  • there is no financial limit;
  • gifts are exempt immediately; and
  • there is no seven-year survival requirement.

For individuals with excess income, this can significantly reduce the value of their estate over time.

Example

Mrs Green receives pension and investment income of £120,000 each year. Her annual living costs are around £70,000.

She decides to pay £20,000 each year towards her grandchildren’s school fees.

Provided the payments are made regularly and documented properly, the gifts are likely to fall within the Section 21 exemption because they are made out of surplus income and do not reduce her standard of living.

Good record keeping matters

Claims under Section 21 are often reviewed by HMRC after death, sometimes many years later. Clear records are therefore essential.

It is sensible to keep:

  • details of income received;
  • records of regular expenditure;
  • bank statements;
  • evidence of gifts made; and
  • a written note confirming the intention to make regular gifts.

A simple annual summary of income, expenditure and gifts can be very helpful for executors.

Final thoughts

Section 21 is one of the most effective inheritance tax reliefs available, but it is frequently overlooked.

Used correctly, it allows wealth to be passed down efficiently during lifetime without triggering inheritance tax concerns.

As with most tax planning, careful structuring and good records are essential.

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Make the Most of Your New Tax Year Allowances

by Financial PlanningTax Planning

The new tax year is now underway, bringing a fresh set of valuable tax-free allowances.

This is a great opportunity to review your financial goals and ensure you’re making the most of the options available to you. By investing early in the tax year, your money has more time to benefit from potential growth.

Your Tax-Efficient Allowances

  • Stocks and Shares ISA: £20,000
  • Lifetime ISA: £4,000 (part of your overall ISA allowance)
  • Personal pension: £60,000 (subject to your earnings)
  • Junior ISA:£9,000
  • Junior personal pension: £3,600 (assuming no earnings)

Taking advantage of these allowances can form an important part of a well-structured financial plan. If you’re unsure how best to use them, seeking professional advice can help you make informed decisions aligned with your long-term objectives.

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Middle East conflict – what investors need to know

by Financial PlanningTax Planning

Geopolitical tensions in the Middle East regularly dominate global news and can understandably raise concerns for investors. However, while conflicts in the region can create short-term market volatility, history shows that their long-term impact on diversified investment portfolios is often more limited than headlines may suggest.

For UK investors, understanding how geopolitical events affect markets can help maintain perspective and avoid reactive decisions that could undermine long-term financial plans.

Why the Middle East matters to global markets

The Middle East plays a crucial role in global energy markets, with several major oil-producing nations located in the region. As a result, conflicts or rising tensions can lead to concerns about disruptions to oil supply or shipping routes.

When markets anticipate potential supply disruption, oil prices can rise. This can influence global inflation expectations and, in turn, affect interest rate outlooks, government bond markets, and equity sectors such as energy, transport and manufacturing.

For UK investors, movements in global energy prices can also feed into domestic inflation, which may influence decisions by the Bank of England and the broader economic outlook.

How markets typically react to geopolitical events

Financial markets tend to react quickly when major geopolitical events occur. Initial uncertainty often leads to short-term volatility in equity markets, currencies and commodities.

However, history suggests that these reactions are often temporary. Once investors gain greater clarity about the scale of the conflict and its economic implications, markets frequently stabilise.

For long-term investors, this highlights the importance of maintaining discipline and avoiding portfolio changes based purely on short-term news flow.

Potential investment impacts

While the overall market impact may be limited over the long term, some areas can be more directly affected.

Energy markets

Energy companies can sometimes benefit from rising oil prices if supply concerns push prices higher. However, higher energy costs can create pressure for industries that rely heavily on fuel.

Inflation and interest rates

If oil prices rise significantly, this can contribute to higher inflation globally. In the UK, inflation pressures may influence interest rate decisions by the Bank of England, which can affect both equity and bond markets.

Defence and security sectors

Periods of heightened geopolitical tension can lead to increased defence spending globally, which may support companies operating in the defence and aerospace sectors.

Safe-haven assets

During periods of uncertainty, investors sometimes move towards assets perceived as safer, such as gold or high-quality government bonds.

Why diversification remains important

One of the most effective ways to manage geopolitical uncertainty is through diversification. Spreading investments across different asset classes, sectors and geographic regions can help reduce exposure to any single event.

A well-diversified portfolio is designed to withstand a range of economic and geopolitical scenarios. While some regions or sectors may experience short-term volatility, others may remain resilient or even benefit.

For many investors, maintaining a balanced and globally diversified portfolio remains the most effective way to navigate uncertain environments.

Focus on the long term

Periods of geopolitical tension can feel unsettling, particularly when markets react sharply in the short term. However, reacting emotionally to headlines can lead to decisions that disrupt carefully constructed financial plans.

Investors who stay focused on long-term objectives, maintain diversified portfolios and follow a disciplined investment strategy are often better positioned to navigate periods of market uncertainty.

What investors should do now

Rather than reacting to headlines, investors may benefit from focusing on a few key principles:

  • Maintain a long-term investment perspective
  • Ensure portfolios remain well diversified
  • Avoid making reactive decisions based on short-term market movements
  • Review investment strategies periodically with a financial adviser

A well-structured financial plan is designed to account for uncertainty, including geopolitical events that cannot be predicted.

Important information

This article is for general information only and does not constitute financial advice. The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested. Past performance is not a reliable indicator of future results.

The information contained in this article is based on current understanding of market conditions and may change. Investors should seek personalised financial advice before making investment decisions.

Digby Offices-11

Preparing for Tax Year End Planning (UK Guide)

by Financial PlanningTax Planning

The UK tax year ends on 5 April each year. A little planning before this date can help you reduce your tax bill, use valuable allowances, and avoid last-minute stress.
Here’s a simple guide to getting organised before the deadline.

1. Use Your ISA Allowance

Each tax year, you can invest up to £20,000 into ISAs. This allowance doesn’t roll over. You could consider:

  • A Cash ISA
  • A Stocks & Shares ISA
  • A Junior ISA for children

If you don’t use your allowance before 5 April, you lose it. ISAs remain one of the most tax-efficient ways to grow savings, as investments are free from income tax and capital gains tax.

2. Review Pension Contributions

Pension contributions can reduce your taxable income and may give you valuable tax relief. For most people, the annual allowance is £60,000 (subject to earnings and tapering rules). Contributions must be paid before 5 April to count for this tax year.

Making a pension contribution could:

  • Reduce higher-rate tax liability
  • Help bring income below key thresholds
  • Boost long-term retirement savings

If you’re unsure how much you can contribute, guidance from HM Revenue & Customs can clarify the current rules or speak with us.

3. Consider Capital Gains Tax (CGT)

Everyone has an annual Capital Gains Tax exemption. If you’ve sold investments or assets this year, check whether you’ve used it.

Before year end, you might:

  • Realise gains within your allowance
  • Offset gains with losses
  • Transfer assets between spouses to use both allowances

Tax rules can change, so planning ahead is important.

4. Make Use of Inheritance Tax (IHT) Gifting Allowances

You can give away up to £3,000 each tax year free from inheritance tax. If unused, you may be able to carry forward one previous year’s allowance.

Other small gift exemptions may also apply. Regular gifting from surplus income can also be effective, if structured correctly.

5. Dividend and Income Planning (Business Owners)

If you’re a company director or business owner, review:

  • Dividend payments
  • Salary levels
  • Pension contributions from the business

Small adjustments before 5 April can make a significant difference to your overall tax position.

6. Check for Tax Traps

Some common thresholds to watch:

  • The £100,000 income level (where personal allowance starts reducing)
  • Child Benefit high-income charge
  • Pension tapering for very high earners

Even a small pension contribution before year end can sometimes restore lost allowances.

7. Don’t Leave It Too Late

Providers can become very busy in March and early April. ISA transfers, pension contributions, and investment transactions can take time to process.

Starting early gives you more options and reduces the risk of missing deadlines.

Final Thoughts

Tax year end isn’t about rushing into decisions , it’s about making sure you don’t waste valuable allowances.

A short review now could:

  • Reduce your tax bill
  • Increase long-term savings
  • Improve overall financial efficiency

If you’d like help reviewing your position before tax year end, speak with us to ensure everything is structured correctly and in line with current rules.

Intergenerational-financial-planning

Intergenerational financial planning: “We’ll deal with it later” Usually means “too late”

by Financial Planning

Let’s be honest.

Most people don’t grow up dreaming of meetings about pensions, inheritance tax, or long-term financial planning. For many in the next generation, financial advice sits somewhere between doing a tax return and organising the garage, important, but very easy to put off.

And yet, one day, it suddenly matters.

The great wealth transfer

Over the next couple of decades, a huge amount of wealth will move from one generation to the next. Property, pensions, investments, businesses etc.

The problem?
Many people receiving that wealth:

  • Don’t fully understand it
  • Haven’t been part of the conversation
  • Don’t have a relationship with an adviser they trust

So, what happens? They switch advisers… or worse, stop taking advice altogether.

Not ideal when real money and real decisions are involved.

Why the next generation switches off.

Younger adults don’t avoid advice because they’re careless, they avoid it because it often feels:

  • Too formal
  • Too technical
  • Too “this will matter when you’re 65”

Add in a healthy dose of jargon and a long PDF, and disengagement is almost guaranteed.

At Digby Associates, the average age of our advisers is 36.

That means:

  • We remember renting, student loans, career changes and childcare costs
  • We know that life rarely follows a neat financial timeline
  • We’re used to explaining complex things in plain English (without sounding like a textbook)

We don’t believe financial planning should feel like a lecture, it should feel like a conversation.

Conversations are more relaxed

Questions feel easier to ask (including the “basic” ones)

Financial planning feels relevant now, not “one day”

It also means we’re naturally focused on long-term relationships. We’re not just planning for the next review , we’re planning for the next 20 or 30 years.

Intergenerational planning without the awkwardness

Intergenerational financial planning doesn’t mean forcing family meetings around the kitchen table (unless you want to).

Done well, it’s about:

  • Gradually involving the next generation
  • Building confidence before responsibility
  • Making sure everyone understands what exists and why
  • Avoiding nasty surprises later

And yes, it’s possible to talk about money without it being uncomfortable.

Planning that grows with you

Families want to know that:

  • Their children won’t feel lost when wealth transfers
  • Decisions won’t be rushed under pressure
  • Advice will still feel relevant years from now

With an adviser team whose average age is 36, Digby Associates is built to grow with your family, not just advise one generation.

Disclaimer: Estate Planning and Inheritance Tax Planning are not regulated by the Financial Conduct Authority.

Approver Quilter Financial Services Ltd. January 2026

A person signing a document with a pen

What Is The 2026 Renters Right Act, And What Could It Mean For You?

by Financial Planning

The Renters’ Rights Act 2025 is a landmark piece of legislation in England designed to provide greater security, stability, and rights to approximately 11 million private renters. While it received Royal Assent on October 27, 2025, its primary reforms take effect in stages starting May 1, 2026.

It’s key objective is to provide tenants with greater security by abolishing “no-fault” Section 21 evictions, ending fixed-term tenancies for periodic ones, and banning rent bidding wars, while introducing stronger standards like the Decent Homes Standard and rules against discrimination.

This means more stable housing, easier challenges to unfair rent hikes (limited to once yearly), and better quality homes, though landlords can still evict for valid reasons like significant rent arrears or anti-social behaviour.

Key Changes:

No More “No-Fault” Evictions: Landlords need a valid reason (like rent arrears, property damage) to evict, ending easy Section 21 evictions, giving tenants more security.

Periodic Tenancies: All tenancies become month-to-month (or week-to-week), replacing fixed terms, allowing tenants to give notice (usually two months) to leave.

Rent Caps & Fairness: Rent increases are limited to once a year with two months’ notice; tenants can challenge unfair increases at a tribunal.

Ban on Rental Bidding Wars: Landlords must advertise a clear price and can’t accept offers above it, stopping pressure for higher bids.

Protection Against Discrimination: It’s illegal for landlords to refuse tenants receiving benefits or with children.

Improved Home Standards: The Decent Homes Standard and Awaab’s Law will require landlords to fix hazards like damp within set times, says The Law Society and BBC.

New Landlord Database & Ombudsman: A database will track landlords, and an Ombudsman will help resolve disputes impartially.

Renting with Pets: Landlords can’t unreasonably refuse tenants with pets.

What This Could Mean For You:

More Stability: Less fear of sudden eviction, allowing you to plan longer-term.

Easier to Move: Periodic tenancies and reasonable notice periods simplify ending a tenancy.

Fairer Rent & Conditions: Greater power to contest high rents and demand safe housing.

Support for Families/Benefit Recipients: Easier access to rentals for those with children or on benefits.

Longer-Term Reforms (2026–2028 and beyond)

Private Rented Sector (PRS) Database: A new national register of all landlords and properties in England will roll out regionally starting in late 2026.

Landlord Ombudsman: A new mandatory ombudsman service will be established to resolve disputes fairly without going to court. It is expected that this will be fully operational by 2028.

Property Standards: The “Decent Homes Standard” will be applied to the private sector to ensure homes are safe and warm. “Awaab’s Law” will also be extended to the private rental sector, setting strict timeframes for landlords to fix serious hazards like damp and mould.

In summary:

Tenants will gain significant protection from arbitrary eviction and more flexibility to move by giving two months’ notice. They can also challenge poor conditions or unfair rent hikes more effectively.

Landlords will need to move to a more evidence-based management style. Evictions will require proving a valid legal ground in court. Non-compliance with the new rules can result in civil penalties of up to £7,000 for initial breaches and up to £40,000 for serious or repeat offenses.

business brain storm meeting presentation Team discussing roadmap to product launch, presentation, planning, strategy, new business development

Why workplace sexual harassment training is a financial investment

by Business AdviceFinancial PlanningUncategorized

This year, Digby Associates undertook training with SARSAS in Understanding Sexual Harassment at Work, as part of our continued efforts to create a safe workplace where our staff can thrive.

Why the training is a financial investment

A recent survey conducted by Unite1 found that 56% of women have experienced some form of sexual harassment at work and they labelled sexual harassment as endemic across all sectors.

The Worker Protection Act 2023, which came into effect in October 2024, states that employers must take ‘reasonable steps’ to prevent sexual harassment in the workplace, one reasonable step being workplace training.

In 2021 the government estimated that the average case of a pre-court settlement or tribunal compensation for sexual harassment ranged between £10,000 to £45,0002. Now, under the Worker Protection Act, an employment tribunal has the power to increase compensation by up to 25% if it finds that an employer has breached their duty to prevent sexual harassment.

The potential legal costs and reputational damage, alongside the impact that an unhealthy workplace culture can have on worker morale, innovation, output and staff turnover rates all demonstrate the urgent moral and financial need to invest in training to create safe workplaces.

Why we chose SARSAS to deliver our training

SARSAS is a local rape crisis centre and Bristol based charity, founded in 2008, that provides trauma-informed support to thousands of survivors of rape and sexual abuse every year.

SARSAS also strives for a world without sexual violence, which is why they offer training in a variety of topics, and we felt that their expert knowledge and trauma-informed approach to the training was the right fit for helping us to approach this sensitive but important issue.

You can find out more about SARSAS here www.sarsas.org.uk

The impact of the training

The training was very engaging and was tailored to us in the financial sector, giving our team the tools to recognise sexual harassment and feel confident to speak up about it. It encouraged the team to reflect on how we can all respect boundaries and approach our work and interactions with colleagues and clients in this respectful and conscientious way.

We feel that having undertaken this training sets us apart from other advisers, not only by creating a workplace where our staff can thrive and give our clients the best service, but also to give pertinent financial advice to our business clients, enabling them to create resilient workplaces and avoid costly legal expenditures.

(+ anything additional Digby Associates want to add about impact since the session) 

1 Unite’s Zero Tolerance to Sexual Harassment Survey 2025 Sexual harassment endemic in UK workplaces, landmark Unite survey finds

2 The Business Cost of Workplace Sexual Harassment & Workplace harassment impact assessment: final stage, October 2021 – part 2 of 2 (evidence base) – GOV.UK

Hands holding a paper family

Have You Forgotten About Your Child Trust Fund? Here’s How to Find It

by Financial Planning

What is a Child Trust Fund?

A Child Trust Fund (CTF) is a special savings account the UK government gave to children born between 1 September 2002 and 2 January 2011. The government gave parents a voucher worth £250 or £500 (depending on the family’s income) to open the account, and family members could add more money over time.

The idea was to give every child a little nest egg to help them when they turned 18. But now, many young people don’t even know they have one  and millions of pounds are sitting unclaimed.

Who Can Claim the Money?

If you were born in the UK between 2002 and 2011, you might have a Child Trust Fund in your name  even if your parents never opened the account. In that case, HMRC would have opened one for you.

You can access the money from age 18. If you’re already 18 or older, you can withdraw it. If you’re 16 or 17, you can take control of it and decide what to do with it when you turn 18.

Parents or guardians can also find the account for children under 18.

How Much Money Might Be in There?

The amount in the fund depends on how much was added and how it was invested. Some accounts may have grown to £1,000 or more, especially if family added money or it earned good returns.

Even if it’s just the government’s original payment, it’s still free money!

How to Find Your Child Trust Fund

If you don’t know where your CTF is, don’t worry  the government has made it easy to find out.

You can use the official government tool here:

Find a Child Trust Fund – GOV.UK

To use the service, you’ll need:

  • Your National Insurance number
  • A Government Gateway account (you can create one if you don’t have it)

Once you’ve logged in, HMRC will search for your account and tell you where it’s held  usually with a bank or investment company. From there, you can contact them to access or manage your money.

Don’t Miss Out!

More than one million people haven’t claimed their Child Trust Funds yet  and that could be hundreds or even thousands of pounds sitting unclaimed.

So, if you (or your child) were born between 2002 and 2011, it’s worth taking a few minutes to check. It’s quick, free, and it could give you a nice financial boost!