Mia Carragher
UK Tax Author
Mia Carragher writes practical UK tax and finance content focused on beginner tax guides, income tax basics, National Insurance basics and salary calculator explainers.
Her work helps readers understand HMRC rules and everyday UK money questions in plain English, especially when they want a simple explanation before using a calculator.
Topic focus
Articles Published: 45
Articles by Mia Carragher (45)
Minimum Wage Northern Ireland: 2026 Rates
heck Northern Ireland’s 2026 minimum wage rates and worker protections.
UK Minimum Wage 2016 and Historical Rates
Check UK minimum wage rates for 2016 and other historical years.
Minimum Wage in Nottingham and Other UK Cities 2026
Compare 2026 minimum wage rates across Nottingham and other UK locations.
Average Hourly Wage UK: Latest ONS Data
The latest official median is £17.96 an hour, while 2026 weekly earnings data shows continued pay growth.
Can You Claim Mileage on Taxes If Not Self-Employed? 2026/27
Employees may claim tax relief on qualifying business mileage that is not fully reimbursed.
New Property Tax: April 2027 Rates
Understand the new property tax rates from April 2027, who will be affected and what landlords should review before the change.
Increasing Tax on Dividends: 2026 Changes
Dividend tax rates increased in 2026, raising bills for basic- and higher-rate taxpayers.
Budget Capital Gains Tax Changes 2026
Budget CGT reforms increased key rates and changed reliefs for investors, property owners and business disposals.
Business Tax Planning: 2026/27 Guide
Improve business tax planning in 2026/27 with practical guidance on cash flow, expenses, capital investment, VAT and remuneration.
How to Pay Less Tax Legally in 2026/27
Learn how to pay less tax legally in the UK by using available allowances, reliefs and tax-efficient strategies based on your circumstances.
Sole Trader vs Limited Company: 2026 Guide
Compare sole trader vs limited company to choose the right business structure for your tax, liability and growth plans in 2026.
VAT Form Guide 2026
Identify the correct VAT form, understand the nine VAT Return boxes and follow HMRC’s current filing or correction process.
Sole Trader VAT 2026: Threshold, Registration and Returns
A sole trader must usually register for VAT when taxable turnover exceeds £90,000, but voluntary registration is also available below the threshold.
Paying VAT Electronically in 2026
Paying VAT electronically requires the correct HMRC payment route, VAT reference and processing time after submitting your return.
VAT Certificate: Find, View or Replace
A VAT certificate confirms your VAT number and effective registration date. Learn where to find your official registration evidence and what to do if it is missing.
VAT on Books UK: Zero-Rating Rules
Most printed books and qualifying e-books are zero-rated for UK VAT. Audiobooks, notebooks and some mixed-media publications remain standard-rated.
Check British VAT Number: HMRC Guide
Check a British VAT number through HMRC to confirm that it is valid and matches the supplier’s registered name and address.
What Is VAT? UK VAT Explained
VAT is a tax on most UK goods and services. Consumers pay it in the price, while registered businesses collect and account for it to HMRC.
Tax Letter: HMRC Notices Explained
A tax letter may explain a code change, bill, refund, penalty or HMRC check. Verify the notice, review its figures and act before its deadline.
MTD for Income Tax: 2026 Rules
MTD for Income Tax requires eligible sole traders and landlords to keep digital records, submit quarterly updates and file through compatible software.
Late Tax Return Penalty If No Tax Is Due
You can receive a late-filing penalty even when no tax is due. See the current HMRC timeline, appeal rules and payment-penalty differences.
Automobile Transfer of Ownership: The Complete UK Guide to Changing Car Keeper
Automobile transfer of ownership explained. How to change car keeper online or by post, replace a lost V5C logbook, and tax your vehicle without documents.
Car Tax Issuing Post Offices: The Complete Guide to Taxing Your Vehicle in Person
Car tax issuing post offices allow you to tax your vehicle in person. Here is what you need, which branches offer the service, and how to tax without a logbook.
Stamp Duty Deadline Extension: Will It Happen and What Buyers Should Know
Stamp duty deadline extension explained. Who benefits from an extension, what happens if you miss the deadline, and how much buyers could save from extended relief
New Stamp Duty Rules: How Much Extra Tax Second Home Buyers Pay
New stamp duty rules explained simply. Higher rates for second homes, main residence replacement rules, effective dates, and how much extra tax buyers now pay.
What Is Adjusted Net Income? UK 2026/27 Guide
What is adjusted net income? Learn how it is calculated, why HMRC uses it for tax and benefit thresholds, and how to reduce it.
What Does Taxable Income Actually Mean? UK 2026/27 Guide
What does taxable income mean? Learn what counts, what does not, how the personal allowance works, and how different income types are taxed.
How Much National Insurance Should I Pay? UK 2026/27 Guide
How much National Insurance should I pay? 2026/27 rates explained for employees and self-employed. See examples and check your deductions.
Best Jobs in the UK 2026: Top Careers, Salaries and Growth Opportunities
Best jobs in the UK for 2026 revealed. See top careers, salary ranges, growth sectors, and how to break into high-demand fields like AI, healthcare, and trades.
Rachel Reeves Potential Tax Increase: Complete Guide to the 2025 Budget Changes
Rachel Reeves potential tax increase: £26 billion in tax rises, frozen thresholds, mansion tax, and rental income hikes. See how the 2025 Budget affects you.
Rachel Reeves Retailers Tax Budget: £7 Billion Impact on UK High Streets
Rachel Reeves retailers tax budget adds £7 billion in costs. Learn how National Insurance, wage rises, and packaging levies are reshaping UK retail.
UK Minimum Wage Rise April 2026: £12.71 Confirmed by Chancellor
UK minimum wage rise to £12.71 from April 2026 confirmed by Chancellor Rachel Reeves. See new rates, who benefits, and what it means for your pay.
UK Tax Brackets 2026/27: Complete Guide to Income Tax Rates & Thresholds
UK tax brackets for 2026/27 explained. Learn income tax rates, personal allowance, Scottish rates, and how frozen thresholds affect your tax bill.
Rachel Reeves Approves Tax Crackdown on Savings Accounts: What UK Savers Need to Know
Rachel Reeves approves tax crackdown on savings accounts from April 2027. Banks must collect NI numbers from all savers. Here is what changes and how to protect your savings.
HMRC Inheritance Tax Changes 2027: Pensions in Your Estate
From April 2027, pensions will be included in your estate for Inheritance Tax. Learn how the HMRC inheritance tax changes affect you and how to plan ahead.
How to Calculate Your Hourly Wage from Annual Salary UK 2026/27
Learn how to calculate your hourly wage from annual salary using the standard UK formula. Includes 2026/27 tax rates, part-time calculations, and net pay examples.
Pay Per Mile Car Tax 2026: What UK Drivers Must Know
Pay per mile car tax explained. EV drivers will pay 3p per mile from April 2028. Learn how it works, what it costs, and how to prepare.
How to Avoid Inheritance Tax When Second Parent Dies: Complete UK Guide (2026/27)
Reduce inheritance tax when your second parent dies. Learn nil-rate bands, residence allowances, gifting strategies, and trusts to protect family wealth.
Do You Get Taxed on Lottery Winnings in the UK? Complete Tax-Free Guide (2026/27)
No, lottery winnings are completely tax-free in the UK. You keep your full prize from the National Lottery without paying any tax to HMRC.
Inheritance Tax When Second Parent Dies: Complete UK Guide
Inheritance tax when your second parent dies in the UK. Understand nil-rate bands, transferable allowances, and how to reduce your IHT bill in 2026/27.
Do I Need to Declare Cash Gifts to HMRC? UK Tax-Free Gift Guide
Do you need to declare cash gifts to HMRC? Learn UK gift tax rules, how much you can give tax-free, and when inheritance tax might apply to your gifts.
HMRC Inheritance Tax Warning: More UK Families Face IHT Bills
HMRC data shows more families face inheritance tax as property prices rise and thresholds freeze. Learn who is affected and how to plan ahead.
National Insurance Explained for Employees and Employers
National Insurance explained for employees and employers. Learn about Class 1, 2, and 4 contributions, rates, thresholds, and how NI affects your pay.
Understanding the Personal Allowance and How It Affects Your Income
What is the UK Personal Allowance? Learn how it determines your tax-free income, changes for high earners, and ways to maximise it through tax planning.
A Simple Guide to UK Income Tax Bands for 2026–27
UK Income Tax bands for 2026/27 explained. Learn how 20%, 40%, and 45% rates apply to your income and calculate your take-home pay with worked examples.
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