In the summer of 2024, William Dobinson bought a one-bedroom flat in Croydon, south London
In some ways, he was unfortunate with the timing, as the purchase coincided with a mini-spike in mortgage rates, driven by the Bank of England (BoE) taking longer than expected to hike rates.
William, who works in PR, eventually got a 5.18 per cent deal, paying £868 a month.
He opted for a two-year fix, despite five-year deals being cheaper.
“My thinking was that rates would come down, so I wanted the shortest term possible. I was expecting my monthly expenses to come down by another £100 or so in future,” he said.
Shorts
Can I save money without giving up fun?
Kasia Delgado
Chief Features Writer
When it comes to financial planning, I’ve always lived month to month, but recently I’ve wanted to be slightly more serious.
So I spoke to a range of financial experts for the easiest, idiot-proof ways to be savvier with money – without just hibernating.
The expert tips
Print out your bank statements
“This is the hardest step but you’ve got to know what’s coming in and out, down to the pound,” says financial coach Ian Dempsey. You’re more likely to remember what’s on there, and pay attention to it on paper.
Caption: Kasia Delgado reads old letters from her childhood. A professor of happiness at Bristol University taught Kasia how adults can train themselves to be happier and find more joy, like when they were unencumbered children.
Photographer: mail@teripengilley.com Provider: Teri Pengilley / i News Source: Teri Pengilley
Caption: Kasia Delgado, Chief Features Writer, i News. Photographer: Teri Pengilley Provider: Teri Pengilley / i News Source: Teri Pengilley
Draw an image of what you’re saving for
“Anything that requires discipline is much easier to achieve when you [can picture] the end goal,” says Ruth Power, from the Financial Management Bureau.
The expert tips
Experts are arguing that the UK should make greater use of existing government data Photographer: Andrzej Rostek Provider: Getty Images Source: iStockphoto Copyright: andrzejrostek@gmail.com
Go on a money date
If you’re in a relationship, for 30 minutes once a month, take a notebook to the pub/cafe and talk about money with your partner.
Delete shopping apps…
They are designed to be compulsive. Removing them gives you an extra layer of resistance.
Close up of an unrecognizable woman shopping online with credit card via mobile phone – stock photo. (Photo: Getty)
An image of a hand that quickly sends an email – stock photo. (Photo: Getty)
…and unsubscribe
Marketing emails are designed to reach you when you’re likely to spend money.
How it went when Kasia followed the expert advice
I delete Vinted and only re-download it when I actively want to replace something for my son that he’s grown out of.
I’m no longer buring my head in the sand. Sections of my bank statement flash into my mind when I go to use the Uber app.
Money dates have been uncomfortable. We did have a small argument about buying own-brand beans versus Heinz for example, but scribbling down numbers we want to save has also been exciting.
I have found it easier to be mindful about spending and broke some unhelpful habits, like associating walks with always getting a coffee.
How the UK currently saves
The average person in the UK has £16,067 in savings in 2025.
39%
However, 2 in 5 Britons have £1,000 or less in savings. A quarter have £200 or less.
1 in 6 UK adults (16 per cent) have no savings at all, equating to around 8.4 million people.
82%
Men are estimated to have 82 per cent more in savings than women.
Almost three in 10 (28 per cent) of adults state saving money is a habit.
The final verdict
The truth is, I’m never going to be someone with five side hustles and the financial savvy to become a bitcoin billionaire. But I’m no longer thinking, “where did my salary go?”. The small changes have, over time, made a difference to my bank account, but also my mind and self confidence.
KASIA DELGADO
‘I’ve found greater joy in spending money in an active, more conscious way – on things that felt worth it such as a massage, a cocktail with a friend, a comedy gig, a tricycle for my son,’ says Delgado (Photo: Teri Pengilley/The i Paper)
Six easy swaps to increase your fibre intake
We asked the experts why it’s so important to include enough fibre in our diets, and how to do it without totally overhauling our diets…
Why fibre is important
Fibre isn’t a fad nutrient. It’s been consistently linked to better health outcomes for decades. Unlike protein, which the majority of people already get enough of, fibre is something most of us (96 per cent) are significantly lacking.
NICHOLA LUDLAM-RAINE, SPECICIALIST REGISTERED DIETITIAN AND AUTHOR
The small diet tweaks to make
Beans, lentils and chickpeas are fibre powerhouses, with around 6-8g per half-tin. If you find beans tricky to digest, start with microdosing them for a week and gradually build it up to half a can at a time.
Bread is the category of food that is most thrown away, survey finds (d3sign Provider: Getty Images)Caption: Green vegetable salad with chickpea, spinach, cucumber, red onions, and greens on a wooden table. Top view Photographer: Qwart Provider: Getty Images/iStockphoto Source: iStockphoto
One of the simplest changes you can make is to switch to wholegrain versions of everyday carbs. Swapping two slices of white bread for wholemeal adds around 3g of fibre.
How to add fibre to your diet
When you cook potatoes the right way they go from being a health burden to a health hero (Photo: Getty)
Keep some skin
The skin of some foods can contain up to 50 per cent of the total fibre. Just make sure it’s safe to eat.
Level up the snacks
Berries, raw vegetables with hummus, or a small handful of nuts are all easy fibre wins.
Yoghurt and frozen berry crunch in a glass jar – stock photo. (Photo: Getty)
Breakfast cereals can be swapped out for overnight oats (Photo: Jogy Abraham/ Getty Images)
Don’t skip seeds
Ludlam-Raine adds a spoon of mixed seeds to porridge, cereal, yoghurts, soups and salads.
A few extra handfuls of fibre-rich ingredients might be all that’s needed to take your meals from average to fibre-full.
Small changes are key because they’re more sustainable and better tolerated by the gut. Increasing fibre too quickly can cause bloating or discomfort.
One in four people in the UK is living with mould and/or damp in their home…
David Prince, a leading damp surveyor who travels across the country treating mould, spends the day with The i Paper writer Eleanor Peake.
Surveyor David Prince warns people are being overcharged by rogue companies for unnecessary treatment (Photo: Teri Pengilley)
The UK
Britain’s damp problem is one of the worst in Europe.
45%
Private renters are disproportionately affected, with 45 per cent currently battling symptoms of damp.
30%
From 2015 to 2024, British winters were 16 per cent wetter than in previous years.
By 2070, UK winters are projected to be up to 30 per cent wetter.
The house I visited with David Prince – a private rental
Renters are desperate for a resolution to their ongoing damp issue.
David notes that although the bathroom has an extractor fan, the room wasn’t being ventilated efficiently.
The hot air from the bathroom was floating towards the coldest part of the building (the bedroom) and turning into water as it hit the cold bedroom walls.
This was an internal ventilation issue, other houses have an external issue. When the guttering is overgrown the water has to go somewhere else, sometimes seeping back into the brick.
The houses most at risk
Victorian terraces, or those built in the 1910s, are more likely to have rising damp – where the water seeps through the foundation of the house.
Caption: David Prince, Director of Abbott Property Care Ltd. For a feature on damp by Eleanor Peake, Senior Features Writer at The i Paper. Photographer: Teri Pengilley Provider: Teri Pengilley / The i Paper Source: Teri Pengilley Caption: David Prince, Director of Abbott Property Care Ltd. For a feature on damp by Eleanor Peake, Senior Features Writer at The i Paper. Photographer: Teri Pengilley Provider: Teri Pengilley / The i Paper Source: Teri Pengilley
Modern houses are often built with concrete ring beams, one of the coldest materials to build with. The damp turns to condensation just by hitting the walls.
Damp specialists
Caption: Eleanor Peake, Senior Features Writer at The i Paper, meets David Prince, Director of Abbott Property Care Ltd, to examine the issue of damp in rental properties. Photographer: Teri Pengilley Provider: Teri Pengilley / The i Paper Source: Teri Pengilley
Only a small number of damp specialists – around 250 – are registered with the Property Care Association (PCA) in the whole of the UK.
This means that a majority of people in the UK are receiving quotes and recommendations about damp from building surveyors who aren’t qualified to give a diagnosis, says Prince.
The golden rules for managing damp
The most common issues can be solved by simple tweaks.
Start with the outside. When it’s raining, have a walk around your building to see if the gutters are pouring water down the wall, or water is being trapped in some way.
Make sure you have good ventilation in key wet rooms: kitchen, bathroom, utility, and toilets.
Open all your windows every day for a short period of time to force natural ventilation – even on cold days.
Never place furniture, or even pictures, on an external wall if it suffers from mould. It helps retain moisture.
Woman awaking after sleeping well in a nice sleeping room. – stock photo. (Photo: Getty)
SLEEP
How to reset your sleep
Irregular sleep has been linked with poorer cardiovascular health, metabolic disruption, inflammation and mood imbalances.
If your sleep has fallen out of whack, this is what the experts recommend.
From personalised ‘sleep windows’ to unhelpful bedtime routines.
Consistency in bedtimes
It helps the brain feel safer and more predictable around sleep, which is important for people with insomnia. When sleep and wake times are consistent, that clock stays well aligned. When sleep timing is all over the place, the body clock becomes confused…
dr ZOE GOTTS, CONSULTANT CLINICAL PSYCHOLOGIST AT THE LONDON SLEEP CENTRE
Couple sleeping in bed – stock photo. (Photo: Getty)
The changes to make
Sleep tourism in hotel. Exhausted woman sleeps sweetly in bed in the morning – stock photo. (Photo: Getty)
Find your sleep window
When do you naturally start to feel tired? Aim to allow your body to sleep within that timeframe most nights.
Wake at the same time
Pick a wake-up time you can stick to and anchor everything around that, says Dr David Garley, sleep expert.
Sleep doesn’t have to be so complicated (Photo: Olga Pankova/Getty)
Caption: TOPSHOT – NASA’s Artemis II Space Launch System (SLS) rocket is seen at sunrise at the Kennedy Space Center in Cape Canaveral, Florida on April 1, 2026. On Wednesday three men and one woman are set to embark on the first crewed journey to the Moon since 1972, a landmark odyssey that aims to launch the US into a new era of space exploration. The NASA mission dubbed Artemis 2 has been years in the making after facing repeated setbacks, but is finally scheduled to take off from Florida as early as April 1 at 6:24 pm (2224 GMT). (Photo by Gregg Newton / AFP via Getty Images) Photographer: GREGG NEWTON Provider: AFP via Getty Images Source: AFP Copyright: AFP or licensors
Get out into sunlight
Exposing yourself to daylight soon after waking helps to sync your circadian rhythm, says Dr Garley.
How to reset your sleep
Regulate your nervous system
Many people are running on exhaustion but still in a state of high alert, so might not be able to rest when needed, says Dr Gotts.
Gentle routines, reduced evening stimulation, and calming the body can make a huge difference.
Sleep tourism in hotel. Exhausted woman sleeps sweetly in bed in the morning – stock photo. (Photo: Getty)Senior bed woman problem pain headache home elderly mature pain bedroom upset unhappy female caucasian adult relationship retirement old difficulty ache head sick migraine hangover sleep – stock photo. (Photo: Getty)
Don’t spend too long in bed
If you cannot sleep within 20 minutes, get out of bed, ideally out of the bedroom, and find a relaxing and distracting activity to do while you wait for the natural urge to return.
The tweaks to make to reset sleep
(Photo: AzmanL/Getty/E+)
Look at your bedtime
Don’t presume earlier to bed (ie. more time in bed) equals better sleep. The timing needs to fit you.
It might mean going to bed later
Set an alarm to anchor the wake-up time, then choose a bedtime that allows you to fall asleep easily and aim to sleep solidly within that time.
Woman in bed at night having trouble sleeping. – stock photo. (Photo: Getty)
A mature woman lies in bed and reads a hardback book – stock photo. (Photo: Getty)
Don’t overdo it
Too much preparation can increase pressure around sleep so a short and consistent routine is far more effective.
Weight training has a host of benefits, but only if it’s done correctly.
We asked personal trainers the common mistakes that people make when lifting – especially for the first time or early on in their strength journey – and how to avoid them.
Woman lifting barbell with heavy weights in cross training gym – stock photo. (Photo: Getty)
Priotising weight over form
When the load is too heavy, form usually breaks down, the wrong muscles take over, and the risk of injury goes up. If you can’t control the lowering part of the movement, keep good posture, or move through the full range, you’re compromising.
CELEBRITY TRAINER AND PT AIMEE LONG
The mistakes you could be making
Close up of male athlete gripping heavy green kettlebell during strength training exercise in cross training gym – stock photo. (Photo: Getty)
Not progressing
If you’re reaching for the same pair of dumbbells each week you’re likely just maintaining muscle, not building.
The wrong trainers
You need adequate support for your ankles, without overly cushioning your arches.
Find the best shoes for you (Photo: Xavier Lorenzo/Getty/Moment RF)
Woman at the Gym – stock photo. (Photo: Getty)
Not timing your rest
PT Nancy Best’s advice is to take 90 seconds of downtime before picking your weight back up.
Research has found that strength training can help slow bone loss (Photo: FJ Jimenez/Moment RF via Getty)
Neglecting recovery
Progress does not happen during the workout itself; it happens afterwards when your body repairs and rebuilds.
Poor sleep, not eating enough calories or protein, or training the same muscles hard every single day can hinder recovery and leave you constantly exhausted, says Long.
Not choosing the right exercises
An effective programme is built around variety.
Ensure your training includes each movement for the upper and lower body.
PT Luke Worthington recommends a push/pull programming.
Upper body push targets the shoulders or chest and upper body pull typically works the back.
Lower body push includes squats and leg press whereas pulls include deadlifts and hinges.
What to do
Perfect the movements before increasing the weight.
Best recommends Nike Metcons or Converse for a flat, stable surface.
Aim to eat 1.4-2g of protein per kilogram of bodyweight if you’re regularly exercising.
When you’re comfortable you can increase the weight, number of sets or reps, or range of motion to progress each lift.
LIFESTYLE
6 min read
But unfortunately, William’s mortgage fix ending has coincided with another rate spike and two-year deals have risen to an average rate of 5.67 per cent, according to Moneyfacts – the highest level since August 2024.
William, 32, will be able to lock in a new rate in around a week – 90 days before his fix with Barclays ends – but with rates rising every day at the moment, it’s unclear what level he may be offered.
“As things stand, it looks like my rate will still come down, but by substantially less than it would have done. However, who knows if that will still be the case when I can remortgage next week.”
He says the “worst case scenario” if rates keep rising is a small increase in his costs.
William says the “blind optimist” in him hopes that if he locks in a rate next week, they could drop lower before his fix ends in June and he would be able to move on to that new deal and pay less.
“It massively depends on timings,” he admits.
William is not alone. UK Finance figures show there was a spike in mortgage customers taking short, two-year fixes in 2024, with brokers saying many gambled on the fact that rates could drop in the following years.
Just under 400,000 mortgages – 43 per cent of the total – were sold at a two-year length or less, compared to 34 per cent the year before.
These customers will now be coming off deals, and some could face another rate rise.
Aaron Strutt, product director at Trinity Financial, explained: “Lots of homeowners have been thinking there were going to be some cheap deals for them to take, but unfortunately, it hasn’t worked out that way.
“Most people did not expect another war or that something that would have such a big effect on mortgage rates.”
Lewis Shaw, of Shaw Financial Services, said: “Hindsight is a wonderful thing. Most people would go back to 2021 and fix for 10 years at 2 per cent if given the option, but instead, hundreds of thousands of mortgage holders fall victim to optimism bias year after year.
“The reality is, it is always a gamble.”
Those coming off two-year rates may well feel hard done by, but some customers who could face an even bigger surprise are those who have not been exposed to higher rates at all yet.
Some customers locked in five-year mortgages in 2021, before the BoE started to increase interest rates and may be on deals with under 1 per cent interest.
Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said: “Millions of remortgage customers are facing a shocking spike in their repayments, especially homeowners coming off a low five-year deal.
“If these borrowers lock into a shorter two-year term, they could see their repayments rise by almost £4,900 a year, which equates to almost £9,800 for the full two-year term.”
The analysis is based on these customers borrowing £250,000 on a 25-year term.
Almost all banks have raised their fixed mortgage pricing in recent weeks – sometimes multiple times – amid expectations that the BoE will hike interest rates later this year because of higher inflation.
Before March, experts had expected the BoE to cut interest rates this year, but on Monday, financial markets suggested there could be as many as four rate hikes.
The base rate is currently 3.75 per cent, so four 0.25 percentage point increases could bring the rate to 4.75 per cent.
Swap rates, which are crucial to mortgage pricing and are based on future predictions for where the base rate could go, have risen because of the conflict between the US and Iran.
