daytics™
Articles & Guides
Practical answers to everyday date and time questions.
UK Capital Gains Tax 2026/27 — Rates, Allowance, and How to Reduce Your Bill
The £3,000 allowance, 18%/24% rates, property 60-day rule, and 5 strategies to reduce your CGT bill. Worked examples throughout.
13 min readShould You Overpay Your UK Mortgage? 2026 Guide
Overpaying can save tens of thousands in interest. But it's not always the best move. When to overpay, when to save or invest instead.
12 min readHP vs PCP Car Finance — Which Is Better in 2026?
HP gives you ownership, PCP gives you flexibility. Compare monthly payments, total cost, and end-of-term options.
11 min readHigh Income Child Benefit Charge (HICBC) Explained
Earning over £60,000 and claiming Child Benefit? Here's how HICBC works and why you should still claim.
10 min readCash ISA vs Stocks & Shares ISA — Which Should You Choose?
Cash ISAs are safer; Stocks & Shares ISAs have higher growth potential. How to pick based on time horizon.
10 min readShould You Overpay Your UK Student Loan?
For most UK graduates, overpaying is a bad idea. Here's the maths behind why — and the exceptions.
10 min readHow to Calculate Business Days
Learn the manual method and when working day counts matter for contracts, SLAs, and payroll.
5 min readUK Bank Holidays 2025
Full list of bank holidays for England, Scotland, Wales, and Northern Ireland in 2025.
4 min readUK Bank Holidays 2026
Complete list of 2026 bank holidays by UK region. Plan your projects and deadlines.
4 min readWhat Is a Business Day?
Definition, examples, and exceptions — including how it varies by country and industry.
4 min readHow to Convert Time Zones
A simple guide to time zone conversions for global teams. Avoid common DST mistakes.
4 min readBusiness Days in a Month
Exact working day counts for every month in 2025 and 2026, including UK bank holidays.
5 min readUK Income Tax 2025/26
Full breakdown of tax bands, personal allowance, NI thresholds, and Scottish rates.
5 min readHow to Calculate VAT
Adding and removing VAT explained. Common mistakes and the correct formulas.
4 min readHow Mortgage Repayments Work
What affects your monthly payments: rates, terms, LTV, and repayment types.
4 min readFull Moon Dates 2025
Every full moon and new moon date in 2025 with traditional names.
4 min readFull Moon Dates 2026
Complete 2026 lunar calendar including the May Blue Moon.
4 min readThe Pomodoro Technique
How it works, why it helps, and tips for getting the most out of focused work sessions.
4 min readBMI Chart UK 2026
Full BMI chart by height and weight for UK adults with category explanations.
5 min readCompound Interest Explained
How compound interest works, the Rule of 72, and why it matters for your savings.
5 min readUK Minimum Wage 2026
Current rates for every age group, history, and what to do if underpaid.
5 min readUK Fuel Prices 2026
Average petrol and diesel costs, what affects prices, and tips to save.
5 min readBase64 Explained
What Base64 is, how the encoding works, common use cases, and why it is never encryption.
6 min readURL Encoding Guide
Percent-encoding fundamentals, reserved vs unreserved characters, and common pitfalls.
5 min readJSON Formatting Guide
Structure basics, common syntax errors, when to pretty-print vs minify, and how JSON compares to JSON5 and JSONC.
5 min readThe History of Lorem Ipsum
How a mangled passage of Cicero became the universal placeholder text — and when to reach for something else.
5 min readUUID v4 Explained
What v1, v4, and v7 actually do, how likely collisions are, and when a UUID beats an auto-increment ID.
5 min readUnix Time Explained
Why Unix time starts in 1970, seconds vs milliseconds, the Y2038 bug, and why it still dominates computing.
6 min read