12 things UK families are owed and never told about

The Free Money Checklist: what each one is worth and exactly where to check it, free on GOV.UK.

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    Money with your name on it

    Child Trust Funds worth about £2,200 on average, lost pension pots and Marriage Allowance.

    Your State Pension

    Missing National Insurance years, each can be worth about £359 a year for life. Plus Pension Credit and Attendance Allowance.

    Council tax and your payslip

    Wrong council tax bands, the 25% discount people forget to claim, and tax codes that overcharge.