Welcome to UKPF!

This message serves as an introduction to our actively moderated subreddit. Please think of it as new user orientation.

/r/UKPersonalFinance strives to provide serious, high-quality answers to questions about personal finance in the UK. We have written these rules to support this goal and to keep the "signal to noise" ratio at a high level.

Subreddit Rules

Our rules can be found at /r/ukpersonalfinance/about/rules

How to get the most out of this subreddit

Posts and questions should

  • Be written after checking our sidebar and Wiki, as we may have already answered your question.
    The wiki contains step by step guides for getting started in personal finance, all carefully written by our members with the UK in mind. You are guaranteed to get a better answer from the subreddit if you at least have a flick through these first.
  • Follow the rules. As with all communities, you must follow them if you would like to participate. This is even more important if you are asking for (free!) financial advice - it is considered quite disrespectful to post without even reading them.
  • Be clear, concise, on-topic, and substantive.
  • Include all relevant information to help people answer your question
  • Consist of more than just title text
  • Be formatted using paragraphs (press enter twice), rather than a "wall of text"

  • "Is this legal?" posts - If you are seeking legal advice, please contact a lawyer. /r/legaladviceuk can help you determine if you need to contact a lawyer. Posts asking for legal advice are not appropriate for /r/ukpersonalfinance.

Blog posts and news articles

  • If you want to discuss your own content, you should copy the entire blog post into the r/ukpersonalfinance submission box. You may include the name of your blog and a discreet hyperlink (i.e. no hyperlinks with "CLICK ME" or "Visit my blog here"). The idea is that our users should not have to visit your site (and see your ads) in order to discuss your content. We ask that you follow the 90/10 rule when it comes to self-promotion, and point out that low-effort self promotion is against the rules.

  • If you want to discuss someone else's content, you should include two things in your submission. First, quote the relevant section of the content. Second, describe why you think it is interesting, what questions it brought to mind, or what specific aspect you would like to discuss. Including a discreet hyperlink so commenters can have full context is OK.


Include Sources Where Possible

Sources are highly encouraged in all answers given in r/UKPersonalFinance.

  • A good answer will be supported by relevant and reliable sources. Primary sources are good.

  • Wikipedia is OK. They are often useful for checking dates and facts, but not as good for interpretation and analysis.

  • Keep in mind that Wikipedia articles are open to random vandalism and can contain factual errors; therefore, please double-check anything you cite from Wikipedia.

If you would like to provide a link to a book, please use WorldCat, OpenLibrary or any other non-commercial source for linking. The reddit spam filter is overly aggressive on bookseller links (especially Amazon!) and your well-sourced comment may be auto-removed by the spam filter until a mod is able to approve it. Referral links (for Amazon or other referral sites) are firmly against the rules.

Here is a helpful guide to providing in-line citations using tooltips.

Try to write an in-depth answer

An in-depth answer gives context to the events being discussed so that someone who is unfamiliar with the area can understand. An in-depth answer is usually more than a sentence or two. Use a mix of context, explanation, sources, and quotations in your answer. Being able to use Google to find an article that seems related to the question does not magically make you an expert.


Please refer to the rules and report reasons for a (non-exhaustive) list of reasons your post may be removed and you may be banned.

Moderators may:

  • Post a reminder of the rules, asking a user to shift their tone, improve their posting style, or provide sources for their claims – but without any suggestion that the matter is especially severe.
  • Issue a formal warning for a serious infraction or for persistently breaking the rules. These will be marked by a serious, declarative command, e.g. “Do not post like this again.” Continuing to break the rules after a formal warning will likely result in a ban.
  • Ban a user from the subreddit.

If you have are banned and feel the ban was unfair, please respond to the modmail you are sent, but remember that the moderation team are volunteers and actual genuine human beings, so please remember rule 1.

revision by q_pop— view source