News & Insights.
This is where we share updates, tips and insights to help individuals and employers navigate the world of financial wellbeing, from saving for the short-term to preparing for retirement.
Latest article
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Claire CampherMaking decisions about your money can be stressful. Being clear about the values that guide you can help cut that...4 min readEmployees Money confidence Money management
Recent articles
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6 min read
Understanding financial goals: a beginner’s guide
When it comes to managing your money, few things matter more than having clear financial goals. Goals give your money...Claire Campher|Employees -
5 min read
Account tracking: why seeing your full financial picture matters
Most people have more financial accounts than they realise. A current account here, a savings pot there, a pension from...Claire Campher|Employees -
6 min read
Borrowing explained: how to use credit safely and responsibly
Taking a student loan, getting a mortgage or using a credit card for occasional spending: just some of the common...Claire Campher|Debt management -
4 min read
Looking after your future self
When you think about yourself in the future, what do you imagine? Maybe you’d like to be financially better off,...Claire Campher|Employees -
4 min read
Learning from your past self
Learning more about managing your money isn’t just about learning the terminology or understanding complex ideas. Reflecting on your past...Claire Campher|Employees -
6 min read
7 things to think about when choosing a workplace nursery scheme
As most parents will tell you, sorting out childcare can be a huge headache. There are so many things to...Claire Campher|Employers -
4 min read
4 pillars of building money confidence
As an adult, you probably carry with you memories of how your family dealt with their finances. Or perhaps not...Claire Campher|Employees -
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9 min read
Cycle to Work salary sacrifice: UK employer guide
Cycling to work isn’t just good for your employees’ health – it’s one of the most straightforward, cost-effective salary sacrifice...Claire Campher|Employee benefits -
4 min read
Building a buffer
Would you be able to cope if your rent, mortgage or other regular bills increased? The shifting economy of recent...Claire Campher|Employees -
6 min read
Holiday exchange salary sacrifice: UK employer guide
For many employees, time is the ultimate currency. Whether it’s managing childcare, pursuing a hobby, or simply preventing burnout, the...Claire Campher|Employers -
4 min read
How to manage debt repayments
Borrowing money can sometimes be a necessary step towards your goals. But borrowing too much without a plan for the...Claire Campher|Debt management -
4 min read
Awareness of financial support
When you have worries about your money, where can you turn? It can be hard to know where to get...Claire Campher|Debt management -
6 min read
What is Lasting Power of Attorney – and why does it matter?
Imagine a scenario where you no longer have the capacity to make decisions about your finances or your healthcare. This...Megan Worthing-Davies|Employees -
5 min read
Taking the lead: how to master financial self-determination
We often talk about money in terms of numbers – budgets, pensions, savings rates. But beneath all of that sits...Claire Campher|Employees -
6 min read
Bonus exchange salary sacrifice: UK employer guide
For many employees, a performance bonus can feel underwhelming once 42% or 47% Income Tax and National Insurance (NI) are...Claire Campher|Employers -
4 min read
Why a will is the ultimate act of financial self-care (and how to get started)
When we think about “financial wellbeing,” we usually picture the things that impact our daily lives – getting a handle...Claire Campher|Employees -
4 min read
How an asset register benefits you
When we talk about financial wellbeing, we often focus on the numbers coming in – our salary, our salary sacrifice...Claire Campher|Employees -
16 min read
Salary sacrifice schemes: what are they and how do they work?
HMRC salary sacrifice schemes are becoming increasingly invaluable for companies wanting to optimise their employee benefit packages while also managing...Claire Campher|Employers -
4 min read
The 2025 Budget update: What’s happened and how it will affect your team if you’re using pension salary sacrifice
After weeks of speculation, the UK’s November 2025 Budget has introduced proposed changes to pension salary sacrifice schemes – also...Claire Campher|Employee benefits -
13 min read
Choosing a financial wellbeing provider: Your guide to financial health in the workspace
Financial wellbeing is a vital part of overall health and happiness, referring specifically to someone’s relationship with money and wealth....Claire Campher|Financial coaching -
10 min read
How employers can offer financial advice
Regulated financial advice is often the missing piece in financial wellbeing strategies. When 41% of employees say financial stress affects...Claire Campher|Employers -
7 min read
Supporting younger employees with financial wellbeing
As companies attract and grow young talent, many new starters are navigating big financial milestones…from their first paycheque and mounting...Claire Campher|Employee benefits -
7 min read
Why opting out of your pension might cost you more than you think
Opting out of a pension can seem like a logical choice when immediate financial pressures take priority. We see it...Sahil Sethi|Employees -
6 min read
How benefit stacking can make a big impact for less cost
When you’re building your company’s benefits package, it can be hard to know where to focus your efforts. Invest in...Megan Worthing-Davies|Employee benefits -
5 min read
Discover the benefits of employee discounts platforms
An employee discounts platform offers your team access to deals, vouchers, cashback or other money-saving opportunities via a website or...Megan Worthing-Davies|Employee benefits -
8 min read
Relief at source vs net pay vs salary sacrifice: your options explained
Pension contribution methods can be confusing, and the way tax relief is applied varies depending on the method your employer...Claire Campher|Compliance and reporting -
6 min read
How salary sacrifice can help your employees access their free childcare hours
The government’s ‘Free Childcare for Working Parents’ scheme aims to cut the cost of childcare by providing eligible families with...Claire Campher|Employers -
8 min read
Achieve financial wellbeing with expert financial coaching
Just like working with a sports coach, working with a financial coach can help you identify your current strengths and...Claire Campher|Employees -
5 min read
Alternative to pay rises: What benefits do employees really want?
From higher National Insurance bills to bigger energy costs, many businesses are facing a squeeze right now. This can be...Claire Campher|Employee benefits -
6 min read
What’s the difference between an employee discounts scheme and an employee incentive scheme?
When setting up your workplace benefits, you might be wondering what to include in the package to help employees feel...Claire Campher|Employee benefits -
5 min read
How salary sacrifice can help you support your company’s ESG goals
Your business may have a number of different goals – and I’m betting that one of them is to make...Megan Worthing-Davies|ED&I -
7 min read
Childcare salary sacrifice vs tax free childcare explained
Introduction to childcare benefits Sorting out childcare can be a massive headache for parents, as well as a major cost....Claire Campher|Employers -
6 min read
Why your workplace pension scheme could be your most underappreciated benefit
When you think about a company benefits scheme, what comes to mind? It might be health insurance, shopping discounts or...Claire Campher|Employers -
9 min read
Salary sacrifice implementation: compliance, costs and why your accountant can’t do it all
Salary sacrifice schemes are a cornerstone of modern, tax-efficient employee benefits. They offer tangible National Insurance savings for both your...Claire Campher|Compliance and reporting -
6 min read
How can I introduce employee benefits as a small company?
As a caring leader of a small company, you may be wondering how to set up benefits for your employees...Megan Worthing-Davies|Employee benefits -
8 min read
How financial wellbeing can take your employee benefits package to the next level
So, you’ve assembled a brilliant benefits package for your employees. Whether you’ve gone for shopping discounts, gym memberships, an Employee...Claire Campher|Employee benefits -
5 min read
How to choose an employee discounts scheme
Employee discounts schemes are a common part of employee benefit packages – and it’s easy to see why. They give...Megan Worthing-Davies|Employee benefits -
8 min read
Pension salary sacrifice for employers: what you should know
You might have heard of salary sacrifice (or its less unsettling name, salary exchange) before; you might even have been...Claire Campher|Employers -
5 min read
How to help employees save more into their workplace pensions
Pensions can be a paradox: super important for our futures, but something a lot of us just don’t want to...Claire Campher|Employers -
7 min read
Opt-in vs opt-out: what’s the best way to get employees into a salary sacrifice pension arrangement?
Switching to a salary sacrifice pension arrangement for your employees makes a lot of sense. After all, both your company...Claire Campher|Employers -
7 min read
6 salary sacrifice schemes where both you and your employees save money
Salary sacrifice schemes aren’t just employee perks. They’re powerful cost-saving tools for employers too. But they’re not all made equal....Claire Campher|Employees -
7 min read
Understanding P11D: everything you need to know
Written in partnership with Hive HR Solutions. As an employer, providing benefits to your employees is a great way to...Claire Campher|Compliance and reporting -
5 min read
High earners, high risk? The business case for financial coaching
I had a conversation recently that stuck with me A colleague was speaking to a team member who was close...Claire Campher|Employee benefits -
16 min read
Is salary sacrifice worth it for the employee?
What if you could pay less tax and take home more money – without changing your salary? That’s the power...Claire Campher|Employees -
4 min read
Boostworks and Maji partner to tackle financial stress as employees worry about debt
Rewards and incentives now an essential component to employee packages London, UK – 25th March 2025 – Boostworks, a leading...Claire Campher|Financial planning -
4 min read
Turning the 2025 NI increase into NI savings for your business
Time strapped? Key takeaways from the blog: From April 2025, employer NI contributions rise to 15% (from 13.8%) with a...Claire Campher|Employers -
6 min read
Trailblazer in Financial Wellbeing: Megan Worthing-Davies Wins Women in Innovation Award 2025
The Innovate UK Women in Innovation Awards is celebrating 50 women leading the charge in groundbreaking industries – from revolutionary...Claire Campher|Maji news -
5 min read
3 reasons financial planning matters for your employees – and how employers can help
For employers, supporting financial planning in the workplace is a powerful way to create a more engaged, productive, and resilient...Claire Campher|Employers -
5 min read
Festive spending hacks: 5 ways to spend wisely over the festive season
Let’s face it: December can be expensive! What with work parties, social gatherings with friends and neighbours, gifts, special dinners...Megan Worthing-Davies|Debt management -
5 min read
Stay ahead of the budget: Save on rising NI costs with salary sacrifice
As the Chancellor announced an increase in National Insurance (NI) rates from 13.8% to 15% on 30 October 2024, many...Megan Worthing-Davies|Employers -
10 min read
Saving money with salary exchange schemes: beyond the traditional pension
As the Chancellor announced an increase in National Insurance (NI) rates from 13.8% to 15% on 30 October 2024, many...Sahil Sethi|Employers -
4 min read
Does your employer offer a savings boost? Here’s how to find out.
An Employee Savings Plan is a benefit offered by employers that allows employees to save over many years via paycheck...Sahil Sethi|Employees -
5 min read
Stock market storms: Keep your feet on the ground
The current economic climate presents its own set of challenges for people looking to invest. Whether it’s rising inflation, global...Sahil Sethi|Employees -
5 min read
How to improve employee financial wellbeing
Every September, we recognise two key campaigns in the financial wellbeing market: UK Savings Week and UK Pension Awareness Day....Megan Worthing-Davies|Employers -
5 min read
Salary Advance Schemes – What’s (not) to love?
Put yourself in *Sarah’s shoes for a minute… Sarah’s financial journey has been a rollercoaster. Growing up with strict parents,...Megan Worthing-Davies|Employees -
7 min read
Looking Beyond EAPs: The Role of Financial Wellbeing Providers
The number of employees in financial distress is rising: approximately 80% of employees are impacted by money worries at work...Megan Worthing-Davies|Employers -
4 min read
Financial coaching vs financial advice
Navigating the world of personal finance can be overwhelming. With a plethora of information available, it’s often difficult to know...Megan Worthing-Davies|Employers -
4 min read
ED&I: A financial wellbeing imperative to bridge the pay and pension gap
The intersection of diversity, equity, and inclusion (ED&I) and financial wellbeing is a critical issue that’s often overlooked. The harsh...Megan Worthing-Davies|Employers -
4 min read
What’s the best way to track employee financial wellbeing?
Measuring employee financial wellbeing is crucial for organisations seeking to improve employee satisfaction, productivity, and overall well-being. Research from PIB’s...Sahil Sethi|Employees -
5 min read
Workplace nursery scheme: Everything you need to know
What is the workplace nursery scheme (also known as childcare salary sacrifice)? The workplace nursery scheme, also known as childcare...Megan Worthing-Davies|Employers -
4 min read
How to build an emergency fund (and how much should you save)
Did you know you have a 250,000,000/1 chance of dying from a falling coconut? Or, if you are left handed,...Megan Worthing-Davies|Employees -
2 min read
Salary sacrifice case studies: How Maji is supporting tech employers with savings
At Maji, we’re proud to support forward-thinking employers with their financial wellbeing strategies. We also help employers make a tangible...Megan Worthing-Davies|Employers -
5 min read
Financial Wellbeing Can Massively Improve People’s Lives
Interview with Richard Stovell, Maji’s Head of Financial Wellbeing Richard Stovell, Maji’s Head of Financial Wellbeing, is an employee benefits...Megan Worthing-Davies|Employers -
5 min read
The link between diversity, inclusion and financial wellbeing
Financial worries are now the leading cause of workplace stress, a situation set to get worse as the cost of...Sahil Sethi|Employers -
5 min read
What is ESG investing?
ESG and sustainable investing in a nutshell It’s easy to get jargoned-out when learning about investing, but ESG is one...Megan Worthing-Davies|Employees -
7 min read
Different Types of Investments
By Catherine Thomas-Humphreys, The Finfluencer So we’ve learned about platforms, and we know about investment accounts, so let’s look at...Megan Worthing-Davies|Employees -
8 min read
Choosing an Investment Account
by Catherine Thomas-Humphreys, The Finfluencer When we get started with investing, we need to decide where to put our money....Megan Worthing-Davies|Employees -
5 min read
What is Diversification?
By Catherine Thomas-Humphreys, The Finfluencer In investing terms, diversification is the word that describes the phrase “don’t put all of...Megan Worthing-Davies|Employees -
5 min read
Why gig workers need financial wellbeing support too
The so-called ‘gig economy’ in the UK is huge: around 4.4 million people work for gig platforms at least once...Megan Worthing-Davies|Employers -
3 min read
Am I ready to invest?
by Catherine Thomas-Humphreys (www.thefinfluencer.co.uk) Before diving into the world of investing, it’s crucial to take a step back and evaluate...Megan Worthing-Davies|Employees -
7 min read
Choosing an investment platform
By Catherine Thomas-Humphreys (www.thefinfluencer.co.uk) Think of an investing platform simply like a financial supermarket. In the same way you go...Megan Worthing-Davies|Employees -
3 min read
The power of open banking at your fingertips
Have you heard about open banking? This nifty technology lets you connect your online bank accounts to websites and apps...Megan Worthing-Davies|Employees -
2 min read
Expert support from Maji’s panel of specialists
There are times in our lives when we need a little extra help. Finance is no exception. Luckily, there are...Megan Worthing-Davies|Employees -
4 min read
This simple change could give people on National Minimum Wage a payrise
The National Minimum Wage (NMW, or sometimes known as National Living Wage) was introduced in 1999, and it’s since helped...Megan Worthing-Davies|Employers -
4 min read
Tackling the cost of living crisis for employees with a strong financial wellbeing strategy
The ongoing cost of living crisis continues to put pressure on employees’ finances, wellbeing, and productivity. Rising bills, higher borrowing...Megan Worthing-Davies|Debt management -
4 min read
Renting vs Buying
Unsure whether to rent or think about buying? Check out our post to help you decide. [...]Read More...Megan Worthing-Davies|Employees -
6 min read
How can your benefits package support your employees through the cost of living crisis?
The cost of living crisis has hardly been out of the headlines. And for good reason: rising prices for lots...Megan Worthing-Davies|Employers -
5 min read
5 practical ways to boost a corporate financial wellbeing strategy
This post is by our Launchpad intern Heng Chew, from the University of Sheffield, exploring the importance of a corporate...Megan Worthing-Davies|Employers -
6 min read
Financial wellbeing: where do employees need more support?
Maji’s mission is to build a financially secure future for everyone. But there’s no ‘one size fits all’ solution; each...Megan Worthing-Davies|Employers -
6 min read
Nurturing financial wellbeing in a post-pandemic world
This article is by Heng Chew, our intern from Sheffield University. Just over two years ago, the World Health Organization...Megan Worthing-Davies|Employers -
5 min read
Three ways to support employees through the cost of living crisis
The cost of living crisis is becoming hard to ignore. We’re facing higher energy bills, higher food costs, and rising...Megan Worthing-Davies|Employers -
6 min read
How investing in financial wellbeing can help with retention during ‘The Great Resignation’
This guest blog was written by Jess Koh, our Launchpad intern from the University of Sheffield. Beginning in early 2021,...Megan Worthing-Davies|Employers -
4 min read
Can money truly buy you happiness?
It’s International Day of Happiness, so we are taking a deep dive into the relationship between wealth and money! Can...Megan Worthing-Davies|Employees -
5 min read
Switching salary sacrifice schemes? Here’s our top 4 things to avoid
It’s tempting to think about switching salary sacrifice schemes and running them internally. After all, what could be so hard...Megan Worthing-Davies|Employers -
5 min read
Who gets my pension money if I pass away?
Saving for the future is one of the most important things we can do to safeguard ourselves and our loved...Megan Worthing-Davies|Employees -
7 min read
Government benefits and salary sacrifice: what do I need to know?
In salary sacrifice, a person exchanges their pay in return for their employer paying for a benefit, such as a...Megan Worthing-Davies|Employers -
7 min read
Salary sacrifice & parental leave
We’re delighted to host this piece by Claire Vane. As Managing Director and Founder of HR consultancy Integrated Resources, Claire...Megan Worthing-Davies|Employers -
4 min read
Why you should find out your credit score
We always get told that our credit score is important, but what exactly is it and why should we care...Megan Worthing-Davies|Employees -
5 min read
Should I consolidate into my existing pension, or a new one?
If you’ve done your research and decided consolidation is for you, the next decision is where to put your money....Megan Worthing-Davies|Employees -
8 min read
Dealing with finances during divorce
Divorce can be stressful and painful. Ending a significant relationship usually has a significant emotional impact and there’s a lot...Megan Worthing-Davies|Divorce and separation -
5 min read
Do I need life or critical illness insurance?
If you’re a homeowner, it’s a good idea to have some kind of life and/or illness cover. This is because...Megan Worthing-Davies|Employees -
4 min read
What types of general insurance do I need?
If you own a house, car, bike or even a device such as laptop, you’ll have a good idea of...Megan Worthing-Davies|Employees -
4 min read
4 reasons you may need insurance
Life is full of exciting milestones like buying a house, buying a car and travelling abroad! But these things are...Megan Worthing-Davies|Employees -
7 min read
Where to save money for buying a property
Buying a property, for most people, means saving a hefty sum of money. Whilst the more organised among us may...Megan Worthing-Davies|Employees -
4 min read
Debt: The good, the bad and the ugly
Dealing with debt? You’re not alone. The average household debt in the UK is £57,910. For most people, that debt...Sahil Sethi|Debt management -
4 min read
5 ways to develop a positive money mindset
Having a positive money mindset can transform your personal finances. We’ve compiled a list of steps to help you get...Megan Worthing-Davies|Employees -
5 min read
Boosting pension engagement
Your workplace pension scheme is probably one of the most expensive benefits you offer your employees. In fact, the average...Megan Worthing-Davies|Employers -
6 min read
How to create an impactful financial wellbeing strategy
Financial wellbeing is the state of having control over your finances, being prepared for the unexpected, and feeling confident about...Megan Worthing-Davies|Financial wellbeing -
4 min read
How to choose an ethical workplace pension
In our previous blog, we set out the things you might think about when choosing a new workplace pension scheme...Megan Worthing-Davies|Employers -
6 min read
How do I know if my pension is doing well?
Have you saved enough for your retirement? Maji explains how to maximise your pension contributions and see how well your...Megan Worthing-Davies|Employees -
7 min read
Read this if you’re thinking of changing pension provider
For many companies, setting up the pension is a tick-box exercise. After all, when you’re a small team responsible for...Megan Worthing-Davies|Employers -
4 min read
Make the most of your financial plan
Major life goals can feel overwhelming. Want to buy a house? Have a family? Travel the world? None of these...Megan Worthing-Davies|Employees -
4 min read
5 effective ways to prepare for life’s major financial milestones
You can never be totally prepared for what life will throw at you, but you can make sure you are...Megan Worthing-Davies|Debt management -
4 min read
How do I consolidate my pension?
In our first blog on pension consolidation, we helped you work out if it’s something you should be considering. If...Claire Campher|Employees -
7 min read
Seven ways to improve your pension offer
Changing pension provider can be costly and time consuming. The good news? You don’t need to change pension provider to...Megan Worthing-Davies|Employers -
6 min read
How (and where) to save money
It’s always good to save money – regardless of how, where or why. But savings products are designed for different...Megan Worthing-Davies|Other -
4 min read
5 reasons why you need to start talking to your kids about money
Parents are bombarded with all sorts of the things to teach their kids. Good manners, how to be healthy, how...Claire Campher|Other -
8 min read
Default funds – are they the right fit for you?
What is a default fund? A fund is where your money is pooled with other people’s in a mix of...Sahil Sethi|Employees -
4 min read
Risks you face when saving for your financial goals
The biggest risk to your financial goals is the risk of not being able to meet them When people think...Sahil Sethi|Employees -
4 min read
Workplace pensions guide for employers: Set up payroll pension contributions and make payments
Welcome to the final part of our series, ‘Pensions 101’, aimed at small business owners setting up their first workplace...Claire Campher|Employers -
4 min read
Do I need a financial advisor?
You may be asking yourself if you need a financial advisor to help you navigate the world of pensions and...Megan Worthing-Davies|Employees -
5 min read
Workplace pension contributions: How much is enough?
If you’re contributing to your workplace pension, you’re already taking an important step towards your future. Contributions you make today...Claire Campher|Employees -
2 min read
See all your pensions in one place
If you want to know how much is in your bank account, it’s pretty easy these days to check via...Megan Worthing-Davies|Employee benefits -
3 min read
Workplace pensions: welcome to the 90%…
If you are, or soon will be contributing to a workplace pension, you’re joining the 90% of eligible employees choosing...Claire Campher|Employees -
6 min read
Should I consolidate my pension?
One of Maji’s most frequently asked questions is ‘should I consolidate my pension?’. It’s a term you might have seen...Claire Campher|Employee benefits -
8 min read
Empowered women are taking control of their pensions
Women have come a long way in fighting for equality over the last century. And in the last decade, the...Claire Campher|Other -
5 min read
Is your pension in the £20 billion pot of lost pensions?
Yes – you read that right. In the UK, there’s £20 billion in lost pension money. You may be wondering...Sahil Sethi|Employees -
3 min read
Workplace pensions guide for employers: How to achieve employee pension engagement
This is the fourth article in our series about how to set up a workplace pension scheme. Once your pension...Claire Campher|Employers -
3 min read
Supporting your colleagues’ financial health in the pandemic
Leaders, HR Directors and founders: learn how to build your colleagues’ financial health with a financial wellbeing solution. The Covid-19...Megan Worthing-Davies|Employee benefits -
6 min read
Workplace pensions guide for employers: Manage pension statutory obligations to staff
This is the third article in our series about how to set up a workplace pension scheme. You’ve set up...Claire Campher|Employers -
3 min read
10 common mistakes people make before getting a mortgage – part 2
Find out more about the top 10 mistakes people make before getting a mortgage, and how to avoid them! If...Martyn Allen|Employees -
3 min read
10 common mistakes people make before getting a mortgage (part 1)
Find out more about the top 10 mistakes people make before getting a mortgage, and how to avoid them! If...Martyn Allen|Employees -
6 min read
Workplace pensions guide for employers: Workplace pension scheme setup
Th is the second article in our series about how to set up a workplace pension scheme. So, you’ve read...Claire Campher|Employers -
5 min read
Workplace pensions guide for employers: Getting started
This is the first article in our series about how to set up a workplace pension scheme. If you employ...Claire Campher|Employers -
7 min read
How to give your children £500,000 in ‘free’ money
You can take an action today which could give your children hundreds of thousands of pounds in the future for...Will Rainey|Employees -
4 min read
Things I’ve learned from participating in business accelerators
Maji is joining Tech Nation’s prestigious Fintech 3.0 programme. Business accelerators have played an important role in Maji's journey to...Sahil Sethi|Maji news -
6 min read
Are you fighting fit for a fabulous financial future?
If the word pensions fills you with dread, you’re not alone. Seventy-seven percent of people say they don’t understand their...Megan Worthing-Davies|Employees -
5 min read
Maji helps people take control of their financial future
More than 15 million Britons are not saving adequately for retirement and almost half of all UK adults have under...Sahil Sethi|Maji news
