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The Christmas Loan was created with the idea that we know some people borrow money to pay for Christmas, either by using loans or credit cards.
Income tax. Know how much tax you will pay. If you earn money from work or investments, you will usually pay tax on that money. Understanding how your tax is calculated will help you work out how much tax you should pay.
Our Australian income tax calculator calculates how much tax you will pay on your employment income this year. Visit ASIC's MoneySmart website to learn more.
1 Reduced by £1 for every £2 above income threshold until it reaches £0.. 2 20% of this allowance is given as a reduction in your tax bill (unlike the Personal Allowance and Age Allowance which are deducted from your taxable income before tax is worked out).. 3 £1,000 for basic-rate taxpayers; £500 for higher-rate taxpayers; £0 for additional-rate taxpayers.
Many credit card companies are willing to lend you money at 0% interest, so why not use this cash for everyday spending, replacing all other credit and debit card spending?
Larger loans usually having a lower interest rate than smaller ones. If the interest rate on your loan is variable it could be increased or decreased before your loan is repaid.