Autumn is a time of reckoning and it reminds us of the days when the long summer holidays were over and we had to go back to school to a new class and new challenges The holidays are a memory and the credit card bills have arrived. New jobs, new schools, new students, new rentals,all house purchase beckon as we make a new start ahad of winter.

You also need to make sure you are getting good value for your money and to sort out your finances before the end of the year.

Having a deadline in the calendar is much more likely to spur us into action than the vague notion that we ought to be better with our money.

The cost of renting is rising far faster than house prices and many tenancies are up for renewal in the autumn. 

 Around a million home owners are facing higher mortgage rates.

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