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Current offers from classic yachts

The traditional yacht broker Baum & König has been the first address for the purchase of classic yachts since 1984. And if your classic dream yacht is not on offer at the moment, we will track it down for you. We also arrange tailor-made insurance for your vessel and take care of the sale of your yacht if required.

WANDERER IV – 40 qm Seekreuzer Böhling 1966

BLUESIANA – Hinckley Picnic Boat EP

UNKEL BRÄSIG – Spitzgatter – LÜRSSEN No. 7425

SUZANNE – 7KR Miglitsch 1965/66

MARIANNA – Bermudian Cutter – Max Oertz

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Celebrate and meet in style at Robbe & Berking. Give yourself and your guests special moments in an inspiring ambience - the maritime world of Robbe & Berking. We are happy to support you in making your festivity an unforgettably beautiful event!

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Classic Yachts for Sale

• Designer: Arthur Robb
• Length: 16.90 m
• Designer: William Starling Burgess
• Rig: Cutter
• Length: 14 m
• Designer: GL Watson
• Length: 22 m

Blue Mallard

• Designer: Johan Anker
• Length: 8.9 m
• Designer: John G Alden
• Rig: Schooner
• Length: 17.73 m
• Designer: Sparkman & Stephens
• Length: 13.11 m
• Designer: Bjarne Aas
• Length: 10.16 m
• Designer: Tore Holm
• Length: 11.75 m
• Designer: Eugene Cornu
• Length: 13.46 m
• Designer: William Fife III
• Length: 28.6 m
• Designer: Illingworth & Primrose
• Length: 14.86 m

Solway Maid

• Length: 15.87 m
• Designer: Charles Livingstone
• Length: 18.9 m
• Designer: Alfred Mylne
• Designer: Charles Ernest Nicholson
• Length: 34.1 m

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Small Classic Boats For Sale

The Wooden Ships website is the only place on the web dedicated to advertising and selling small traditional boats, dinghies, cabin boat and river launches. The team is fortunate to have some of the world’s most beautiful small wooden boats for sale. We consider it both a pleasure and a responsibility to guide you in selecting the boat that is your perfect match.

Browse our portfolio of small wooden dinghies, yachts, rowing boats and powerboats for sale today, or contact us to find out more information.

Enquire about Chris Craft Replica Barrelback 19 Runabout

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Chris Craft Replica Barrelback 19 Runabout

Newly built and launched in 2022 to original plans for the Chris Craft 19' Barrelback runabout. Plans from Glen-L of America. Superb construction using epoxy bonded cold moulded timber for a strong yet beautiful finish. Mercruiser V6 4.3 litre petrol engine. Boat finished with Jotun 2 part paints for a low maintenance and durable finish. Very elegant runabout complete with custom road trailer. In as new condition.

• Designer: Ken Hankinson
• Location: Oxfordshire
• Length on deck: 19'

Enquire about 21′ Sport Fishing Boat

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21′ Sport Fishing Boat

Built by Dartmouth boat builders to an American design. This boat is being offered as a demonstration model with a view to obtaining commissions for further new build boats. The specification for a new build could be tailored to suit the commissioning owner, with a choice of engine sizes, layouts, systems and equipment. The benefit of building in wood with a small firm is that once the hull has ben built, all other areas of the design can be altered to suit the owner. A fast, stable sports boat with lots of space, very practical for families or groups and a real head turner. A new boat built to the owners specification with an engine is £55,000

• Builder: B. & A. Pomeroy, Dartmouth
• Location: Devon
• Length on deck: 21'
• Beam: 7'10"

Enquire about New England Bass Boat

New England Bass Boat

Built in Cape Cod in 2002, the design based on the famed New England MacKenzie Cuttyhunk Bass Boats, constructed using modern methods with cold molded mahogany sheathed in Kevlar and finished in Awlgrip paint systems. Imported into the UK by the current owner, fully certified to RCR standards. Steyr 164hp turbo charged inboard diesel gives 17 knots cruising speed for excellent fuel consumption, she uses only 0.8 litres/nautical mile. 2 berths under the foredeck makes for a nice sheltered space. Large open cockpit with high bulwarks, an excellent space for the family. SBS road trailer means she can be easily towed on the road, all up weight is less than 3 tons. A very elegant and unusual alternative to the very boring RIB or Boston Whaler, a superb boat for someone looking for a boat that stands out from the crowd and offers something a little bit special.

• Designer: Great River Boat Works, MA
• Builder: Great River Boat Works, MA
• Length on deck: 24'11"
• Draft: 2'6"

Enquire about Fabian Bush Cruising Dayboat

Fabian Bush Cruising Dayboat

Designed and built by Fabian bush, a well respected very skilled boat builder. The boat was commissioned by a client but due to personal circumstances he is no longer able to take delivery and use the boat so she is being offered for sale as a brand new and complete vessel. Upon completion the boat was tested and certified under the RCD scheme and put afloat for sea trials, but otherwise she has been dry stored and unused. built using modern construction methods of epoxy glued plywood planking making her very durable and easy to maintain. complete with trailer covers and electric outboard engine this is an absolutely ready to go trailer sailer in as new condition.

• Designer: Fabian Bush
• Builder: Fabian Bush Boatbuilder
• Location: Essex
• Length on deck: 15'10"
• Draft: 14" / 4'

Enquire about 20′ Nick Smith Clinker Motor Launch

20′ Nick Smith Clinker Motor Launch

Clinker motor launch built by the well respected Nick Smith of Salcombe in 2004. Her design is based on the traditional Salcombe bass fishing boat with straight stem and elegant sheer line. Powered by a Yanmar 2YM 15p diesel, fitted new in 2008. Comes with a good quality road trailer and all over cover. A very striking launch in good condition and well equipped.

• Designer: Traditional
• Builder: Nick Smith
• Length on deck: 20'4"
• Draft: 1'6"

Enquire about 19′ Fast Harbour Launch

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19′ Fast Harbour Launch

Built in 2013 to plans from a 1920's Motor Boat Manual for a general duties harbour launch. Built using wood epoxy construction with a Mercruiser 135hp petrol engine. She will reach in excess of 25 knots but is equally capable of slow speeds with little wash for river use. A large spacious cockpit with seating fore and aft makes her a good family day boat. Complete with all over cover and road trailer.

• Location: Kent
• Length on deck: 18'6"
• Draft: 1'4"

Enquire about Varnished River Launch

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Varnished River Launch

Elegant varnished mahogany launch built for the River Way Conservancy in 1950. Major professional rebuild in last 3 years including numerous new planks and lots of replacement steamed oak timbers. Vetus 25hp diesel fitted new in 2015. Top quality De Graff twin axle road trailer. Summer cockpit cover and all over winter boat cover. New Boat Safety Certificate and Thames River Licence for the season. Very smart launch with comfortable seating for 8 people.

• Builder: Allday Austin, Guildford
• Length on deck: 19'3"
• Beam: 5'11"

Enquire about 17′ Clinker Motor Launch

17′ Clinker Motor Launch

clinker motor launch which is thought to have been built in the 1950's in Scotland. Has spent most of her life on the Isle of Bute. Laid up ashore many years ago. Refitted by current owner with hull repairs, new engine, trailer and cover in 2022. Engine with less than 5 hours and trailer has only delivery miles. Elegant all varnished launch ready to go for the summer.

• Location: Scotland
• Length on deck: 17'

Enquire about Oystercatcher 16 Gaff Cutter

Oystercatcher 16 Gaff Cutter

Oystercatcher 16 gaff cutter designed and built by Mayfly Classic Boats of Cornwall in 1993. These are traditional long keeled boats with pretty lines built in GRP. The 16 is a trailer sailer boat offering easy launching and recovery with the clever piggy back trailer. Accommodation gives 2 comfortable berths with sitting headroom plus a heads and galley, packing a lot of boat into her 16' length. This boat has been upgraded and improved in the last 2 years and is in very nice ready to go condition. A lovely little boat, well equipped and ready to sail.

• Designer: Bryan Gibson
• Builder: Mayfly Classic Boats
• Length on deck: 16'

Enquire about Aldeburgh Beach Boat

Aldeburgh Beach Boat

Robustly built open motor launch, designed as a beach fishing boat for the east coast. Generous beam and freeboard make her a capable and safe family boat. New Nani diesel 14hp engine in 2022, fully serviced and ready for the 2024 season. Painted inside and out helps lower maintenance time, a pretty launch with a work boat like feel.

• Builder: Frank Knights Boatyard, Woodbridge
• Location: Suffolk

Enquire about 26′ Cabin Boat

26′ Cabin Boat

A sturdy and attractive cabin boat built on the Isle of Wight. recently fitted Thornycroft 60hp diesel and new navigation gear. forward cabin with a double berth, heads and galley. Large aft cockpit with seating and a recent cover. A versatile family boat in nice condition.

• Builder: Charmans Boatyard, Bembridge
• Location: Hants
• Length on deck: 26'

Enquire about 25′ Motor Launch

25′ Motor Launch

Very elegant varnished mahogany motor launch believed to have been built in 1910 on the Clyde. Originally fitted with a steam engine, she could be reverted to this if desired. Comes with an all over cover and excellent SBS road trailer. Some work required on the hull, 2022 survey report available on request.

• Location: Isle of Wight
• Length on deck: 25'

Small boats for sale

People use small boats for sailing, rowing, fishing and tenders for larger vessels. They are easy to transport, affordable, and a great way to get afloat. Small boats are perfect for as a small fishing boat, small sailing boat, motor cruiser or sports cruiser and popular for recreation. We have spent some of the best family days pottering up and down the estuary in our sailing dinghy.

Small classic sailing boats are great for people wanting to start sailing. They’re relatively affordable and classic in style, and you can often find older examples for a fraction of the cost of a new boat. Plus, they’ll still provide you with years of enjoyment.

Classic boats are also a great option if you’re looking for a project boat. Many of these boats have been well cared for and only need a little TLC to get them back into sailing shape. With a bit of elbow grease, you can often have your dream boat for a fraction of the cost of buying new.

Some of the cheap small sailboats for sale on the Wooden Ships website include dinghies , day boats and river launches . Do not hesitate to contact us if you have any questions about any small boats featured on our website, or if you’d like to sell your boat .

Wooden Ships classic yachts brokers have an extensive database of small boats for sale. With a wide range of sail boats , classic yachts , motor yachts and small classic boats, Wooden Ships has one of the largest selections of traditional wooden boats and yachts for sale in the UK.

Latest listings

36′ Motor Sailer Ketch

28′ GRP Falmouth Working Boat Gaff Cutter

Laurent Giles Wanderer Sloop

Iain Oughtred Ptarmigan

Morgan Giles West Channel Class

Heard 28 Gaff Cutter

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16′ Clinker Motor Dinghy

35′ Buchanan Sloop

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How to Sell a Yacht

September 5th 2022

How to sell a classic yacht – 10 things to expect from your broker.   Selling a classic yacht can be daunting, but working with a broker can simp…

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Southampton Boat Show 2024: Classic and Day Boat Zone

Time flies – it is already, somehow, that time of year, and the 55 th Southampton Boat Show is this 13-22 September… And we’ve got a ticket discount for you!

Southampton international boat show : classic boats.

It’s now Britain’s only major boat show of its kind, and among the line-up this year is the Classic and Day Boat Zone, which always has a great collection of trailer sailers, classic woodies and live demos. These are all presented by the builders of the boats, so it’s a good opportunity to look at boats for sale, and meet the people who built them.

Other highlights include the Dale 37 and 45 traditional, seagoing power cruisers, Drascombe Boats , Duchy Motor Launches, the Wooden Boatbuilders’ Trade Association , and no doubt more as the list fills in. There’s always a great selection of subsidiary exhibitors too, for sails, spars, electronics and everything else marine.

And for some reason, whatever summer’s been like, it always seems to be sunny at Southampton!

Classic and Day Boat Zone: Exhibitors

This year in the Classic and Day Boat Zone you can expect some beautiful boats on show and top-tier exhibiting brands. Here’s a sneak peak…

Southampton Boat Show: What to Expect

There’s so much more to see at the Southampton International Boat Show… From jumping into the Watersports Zone, and perusing chandlery, kit and gear, to checking out new yachts in the marina, and choosing from the delicious food stalls while listening to live music… it’s a full family day out!

Here’s everything you need to know, and what to expect, at the Southampton Boat Show 2024 .

Southampton Boat Show 2024: Key Info

Opening dates and times:

• 13 – 21 September 2024 – 10:00-18:00
• 22 September 2024 – 10:00-17:00

Shipyard Only: Music, food, sport & entertainment

• 14th & 21st September 2024 – 10:00-21:00

Show Postcode:  S015 1BA

• The show entrance is  located by WestQuay Shopping Centre .

Grab our Ticket Discount!

To keep the good news coming… With our Classic Boat Magazine discount code you can grab an any-day adult general admission ticket to the show for just £19.99…

Simply  go to the ticket website , select your tickets and enter this promo code at the bottom:  CB2024

And… up to 2 kids go FREE with every adult ticket.

Grab Your Tickets Now!

Show Me More:

• Classic Yachts for Sale: Two Remarkable Boats on the Market
• West Solent One Design Restored & Racing: Toba in Argentina
• RNLI 200 years: History of Life Saving Boat Design

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Summers & Payne Ketch Restored: Cariad’s Remarkable Rebuilds

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West Solent One Design Restored & Racing: Toba in Argentina

Classic Boat is the magazine for the world’s most beautiful boats. Packed with stunning images, we have the inside stories of the great classic yachts and motorboats afloat today, as well as fascinating tales from yesteryear and the latest from the wooden boat building scene around the world.

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Money blog: How to gain £6,000 by topping up your national insurance

Welcome to the Money blog, your place for personal finance and consumer news and tips. Today's posts include a Money Problem on the benefits or otherwise of topping up your national insurance. Leave your problem or consumer dispute below - remember to include contact details.

Monday 19 August 2024 11:51, UK

• Energy bills to rise 9% this winter - forecast
• Kellogg's shrinks size of Corn Flakes

Essential reads

• Money Problem : 'Should I top up my national insurance and could it really get me £6,000 extra?'
• Couples on how they split finances when one earns more than other
• Best of the Money blog - an archive of features

Tips and advice

• All discounts you get as student or young person
• Save up to half price on top attractions with this trick
• Fines for parents taking kids out of school increasing

Ask a question or make a comment

By Jimmy Rice, Money blog editor

Every Monday the Money team answers your Money Problems or consumer disputes. Find out how to submit yours at the bottom of this post. Today's question is...

I'm 62 and have 10 years of gaps in my national insurance record as I worked for my parents' import business without a fixed wage during most of my twenties and thirties, and had periods of unemployment in my fifties. What are the benefits of topping up before I retire in a few years and can I really get £6,000 added to my pension for every £900 I put in?  Tony, Palmers Green

This is a question many people approaching retirement will be asking themselves, Tony.

First, it's worth us outlining why your national insurance record matters and who can top up.

If you reached pension age after 6 April 2016 you need 10 years of NI contributions to get a state pension - and 35 years to get the full £221.20 a week. Before that 2016 date, it's 30 years.

People may have gaps in their record for numerous reasons including: being unemployed, on a low income, self-employed, having worked abroad, or having taken a break from work to raise a family.

Ordinarily, you can pay voluntary contributions for the past six years - but currently there's an extended period meaning a man born after 5 April 1951 or a woman born after 5 April 1953 can pay voluntary contributions to make up for gaps between April 2006 and April 2016.

The deadline for this is 5 April 2025.

How much could topping up earn you?

It would cost £907.40 to cover all NI contributions from the 2023-24 tax year - each year is different but this is a good guide. Going back to your question, if you went on to enjoy 20 years of retirement, you would get back £6,000. It would take just three years to get your £907.40 back.

Who might want to think twice?

Just to stress, as always, that this post is not intended as financial advice. Instead, we're outlining things you should think about.

The first thing anyone should consider is if they'll fill gaps naturally through working - in which case there'd be no point topping up. Given your age, Tony, it could be an option for you - but check your state pension forecast  here .

There are lots of other things to factor in and you should seek independent financial advice.

Wealth management firm  Charles Stanley  says a key consideration is whether a higher pension would either:

• Drag you into paying tax when you retire;
• Mean you no longer qualify for certain benefits.

"You might not benefit from the full amount of extra money as some will be taken in income tax," they say.

"In addition, boosting state pension income can affect entitlements to means-tested benefits. Notably, if you claim pension credit, which tops up the income of very low earners over state pension age, any increase in the state pension would normally reduce an award. This often means that you would be no better off paying voluntary contributions."

Another consideration - and this isn't something most people want to contemplate - is that if you don't think you'll live long enough into retirement (you might be in ill-health or have a terminal illness) to benefit from topping up, then it's probably not worth it.

People should also look into whether they could transfer contributions from their spouse or civil partner .

One more way to top up

Which? advises: "Ensure that you are getting any NI credits you are entitled to before contemplating paying voluntary NI contributions for a particular year. 

"These are free and will apply, say, if you are caring for a child in the family as a parent or grandparent, claiming statutory sick pay or looking after a sick/disabled person."

If you're below state pension age, you can contact the Future Pension Centre to see if you'll benefit from topping up - they're on 0800 731 0175. If you already claim the state pension, call the Pension Service on 0800 731 0469.

Again, before taking any action you should seek independent financial advice.

If you do decide to top up, you'll need a Government Gateway account.

On there, you can see gaps, the cost of filling them and how much you could benefit - you can then pay online.

This feature is not intended as financial advice - the aim is to give an overview of the things you should think about. Submit your dilemma or consumer dispute via:

• The form above - you need to leave a phone number or email address so we can contact you for further details;
• Email [email protected] with the subject line "Money blog";
• WhatsApp us here.

Over 40 bottles of fake vodka have been seized from a shop in Scotland after a customer reported "smelling nail varnish".

The 35cl bottles, fraudulently labelled as the popular brand Glen's, were recovered from the shop in Coatbridge, North Lanarkshire.

Officers from the council's environmental health officers and Food Standard Scotland (FSS) sent them for analysis after a customer raised the alarm by saying they smelt nail varnish from one of the bottles.

The bottles were found to be counterfeit.

Britons don't have long left to claim cost of living assistance from the Household Support Fund.

Introduced in October 2021, the scheme provides local councils with funding which can be used to support those struggling most with the rising cost of living.

The vast majority of councils operate their version of the Household Support Fund on a "first come, first serve" basis and will officially end the schemes once the funding has run out in September.

The help provided by councils has ranged from free cash payments, council tax discounts, and vouchers for supermarkets and energy providers.

Who is eligible?

Local authorities were instructed to target the funding at "vulnerable households in most need of support to help with significantly rising living costs" when it was first rolled out.

In particular, councils were guided to make priority considerations for those who: 

• Are eligible but not claiming qualifying benefits;
• Became eligible for benefits after the relevant qualifying dates;
• Are receiving housing benefit only;
• Are normally eligible for benefits but who had a nil award in the qualifying period.

If you do not meet these criteria, you can still contact your local council , with many having broadened their criteria for eligibility.

By Daniel Binns, business reporter

Weapons maker BAE Systems is the big loser on the FTSE 100 this morning, with its shares down almost 3% in early trading.

It comes following reports over the weekend that the German government is planning to scale back aid to Ukraine in its war with Russia – in what would be a blow to the arms industry.

German media said ministers are set to slash support for Kyiv to 6% of current levels by 2027 in their upcoming budget.

However, the government there has rejected the reports and has denied it is "stopping support" to Ukraine.

Whatever the truth, the reports appear to have spooked traders.

Other companies involved in the defence sector, including Rolls-Royce Plc and Chemring Group, are also down more than 2% and 1% respectively on Monday.

It comes amid a slight slump in early trading, with the FTSE 100 down just over 0.2%, although the FTSE 250 is up 0.07%.

Gainers this morning include housebuilders Barratt Developments, up 1.5%, and Redrow Plc, which is up almost 3%.

Barratt said today it intends to push ahead with a planned £2.5bn merger with its rival despite concerns from the competition regulator.

Meanwhile, the price of oil is down amid concerns of weaker demand in China.

Ongoing ceasefire talks in the Israel-Hamas conflict have also raised hopes of cooling tensions in the Middle East, which would help ease supply risks and worries.

A barrel of the benchmark Brent Crude is currently priced at just over $79 (£61).

On the currency markets, this morning £1 buys $1.29 US or €1.17.

Winter energy bills are projected to rise by 9%, according to a closely watched forecast.

The price cap from October to December will go up to £1,714 a year for the average user, Cornwall Insight says.

It would be a £146 rise from the current cap, which is controlled by energy regulator Ofgem and aims to prevent households on variable tariffs being ripped off.

The cap doesn't represent a maximum bill. Instead it creates an average bill by limiting how much you pay per unit of gas and electricity, as well as setting a maximum daily standing charge (which all households must pay to stay connected to the grid).

Ofgem will announce the October cap this Friday.

"This is not the news households want to hear when moving into the colder months," said the principal consultant at Cornwall, Dr Craig Lowrey.

"Following two consecutive falls in the cap, I'm sure many hoped we were on a steady path back to pre-crisis prices. 

"However, the lingering impact of the energy crisis has left us with a market that's still highly volatile and quick to react to any bad news on the supply front.

"Despite this, while we don't expect a return to the extreme prices of recent years, it's unlikely that bills will return to what was once considered normal. Without significant intervention, this may well be the new normal."

Cornwall Insight warned that the highly volatile energy market and unexpected global events, such as the recent escalating tensions in the Russia-Ukraine war, could see prices rise further at the start of the new year.

To avoid this vulnerability, Cornwall Insight said domestic renewable energy production should increase and Britain should wean itself off energy imports.

Kellogg's appears to have shrunk its packets of Corn Flakes. 

Two of its four different pack sizes have reduced in weight by 50g, according to The Sun. 

What used to be 720g boxes are now 670g, while 500g boxes have become 450g. 

The newspaper says the 670g boxes are being sold for £3.20 in Tesco - the same price customers were paying for the larger box back in May. 

The 450g boxes are being sold for £2.19, only slightly less than the previous price of £2.25.

Other supermarkets have similar pricing, although in Morrisons the price has gone down in proportion to the size reduction.

The 250g and 1kg pack sizes remain unchanged. 

Kellogg's has said it is up to shops to choose what they charge, but Tesco said the manufacturer should comment on pricing. 

Sky News has contacted Kellogg's for comment.

A spokesperson is quoted by The Sun: "Kellogg's Corn Flakes are available in four different box sizes to suit different shopper preferences and needs. 

"As the cost of ingredients and production processes increase, it costs us more to make our products than it used to.

"This can impact the recommended retail price. It's the grocer's absolute discretion and decision what price to charge shoppers."

WHSmith has launched a café brand as it seeks to expand into the food-to-go market.

The first café is in Princess Anne Hospital in Southampton and offers teas and coffees, hot breakfasts and pastries

Its branding is the same as the Smith Family Kitchen food-to-go range launched three months ago.

WHSmith UK travel managing director Andrew Harrison said: "Whether it's in a hospital or on their journeys, customers tell us that quality food and drink options are what they prioritise most in the different locations we serve.

"That's why we have been doubling down on our food ranges and formats to ensure our customers don't need to compromise on quality or value, as demonstrated today with the launch of Smith's Kitchen."

Thanks for popping into Money, our live blog for consumer and personal finance news and tips, as we kick off a new week. Here are five reasons to pop back over the coming days...

Topping up your national insurance

Coming up this morning is this week's Money Problem , focusing on a question from reader Tony, in Palmers Green, who wants to know if he could really add £6,000 to his retirement pot with a £900 top-up to his national insurance.

Bring back Spangles

Thousands of you have got involved in our Bring It Back series in the last few weeks, suggesting the old-school sweets or treats that you'd love to see revived. This week, published first thing tomorrow, we're looking at a classic that's been mentioned time and again in our comments section - Spangles. We'll be hearing what Mars had to say about a potential return.

Why should you pay with credit card?

We'll also take a deeper dive into one of the most common pieces of consumer advice: that you should try to pay on credit card for big purchases. Why do you get extra protection, how does it work and what is and isn't covered - we'll have all the answers in Tuesday's Basically .

Yorkshire pudding secrets from top Yorkshire chef in Cheap Eats

Anyone who makes their own Yorkshire puddings - or wants to - should check back on Wednesday morning as one of Yorkshire's top chefs, James Mackenzie from the Michelin-starred Pipe and Glass in South Dalton, picks his Cheap Eats in East Yorkshire and at home - revealing his secrets for perfect/huge Yorkies, including a common mistake many people make.

Everything to know about savings and mortgages

Every Thursday we hear from Savings Champion founder Anna Bowes, who offers some advice for making the most of your spare cash and reveals the best rates on the market right now. Then on Fridays we do similarly with mortgages, hearing from industry experts on what anyone seeking to borrow needs to know at the minute before rounding up the best rates with the help of the guys from Moneyfacts.

We've got lots of others tips and features planned for this week, so bookmark  news.sky.com/money  and check back from 7am each weekday - or 8am on Saturday for our weekend feature.

The Money blog is produced by the Sky News live team, with contributions from  Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young, Ollie Cooper and Mark Wyatt, with sub-editing by Isobel Souster. It is edited by Jimmy Rice.

By Emily Mee , news reporter

Openly discussing how you split your finances with your partner feels pretty taboo - even among friends.

As a consequence, it can be difficult to know how to approach these conversations with our partner or what is largely considered fair - especially if there's a big imbalance salary-wise. 

Research by Hargreaves Lansdown suggests in an average household with a couple, three-quarters of the income is earned by one person. 

Even when there is a large disparity, some couples will want to pay the same amount on bills as they want to contribute equally. 

But for others, one partner can feel resentful if they are spending all of their money on bills while the other has much more to spend and is living a different lifestyle as a result. 

At what stage of the relationship can you talk about money?

"We've kind of formally agreed there is some point in a relationship you start talking about kids - there is no generally agreed time that we start talking about money," says Sarah Coles, head of personal finance at Hargreaves Lansdown. 

Some couples may never get around to mentioning it, leading to "lopsided finances". 

Ms Coles says if you want to keep on top of finances with your partner, you could set a specific date in the year that you go through it all. 

"If it's in the diary and it's not emotional and it's not personal then you can properly go through it," she says.

"It's not a question of 'you need to pull more weight'.  It's purely just this is what we've agreed, this is the maths and this is how we need to do that."

While many people start talking about finances around Christmas, Ms Coles suggests this can be a "trying time" for couples so February might be a "less emotional time to sit down". 

How do you have the conversation if you feel the current arrangement is unfair?

Relationship counsellor at Relate , Peter Saddington, says that setting out the balance as "unfair" shouldn't be your starting point. 

You need to be honest about your position, he says, but your conversation should be negotiating as a couple what works for both of you. 

Before you have to jump into the conversation, think about: 

• Letting your partner know in advance rather than springing it on them;
• Making sure you and your partner haven't drunk alcohol before having the conversation, as this can make it easy for it to spiral;
• Having all the facts to hand, so you know exactly how much you are spending;
• Using 'I' statements rather than 'you'. For example, you could say to your partner: "I'm really worried about my finances and I would like to sit down and talk about how we manage it. Can we plan a time when we can sit down and do it?"

Mr Saddington says if your partner is not willing to help, you should look at the reasons or question if there are other things in the relationship that need sorting out. 

If you're having repeated arguments about money, he says you might have opposite communication styles causing you to "keep headbutting". 

Another reason could be there is a "big resentment" lurking in the background - and it may be that you need a third party such as a counsellor, therapist or mediator to help resolve it. 

Mr Saddington says there needs to be a "safe space" to have these conversations, and that a third party can help untangle resentments from what is happening now. 

He also suggests considering both of your attitudes to money, which he says can be formed by your early life and your family. 

"If you grew up in a family where there wasn't any money, or it wasn't talked about, or it was pushed that you save instead of spend, and the other person had the opposite, you can see where those conversations go horribly wrong. 

"Understanding what influences each of you when it comes to money is important to do before you have significant conversations about it."

What are the different ways you can split your finances?

There's no one-size-fits-all approach, but there are several ways you can do it - with Money blog readers getting in touch to let us know their approach...

1. Separate personal accounts - both pay the same amount into a joint account regardless of income

Paul Fuller, 40, earns approximately £40,000 a year while his wife earns about £70,000. 

They each have separate accounts, including savings accounts, but they pay the same amount (£900) each a month into a joint account to pay for their bills. 

Paul says this pays for the things they both benefit from or have a responsibility for, but when it comes to other spending his wife should be able to spend as she likes. 

"It's not for me to turn around to my wife and expect her to justify why she thinks it's appropriate to spend £150 in a hairdresser. She works her backside off and she has a very stressful job," he says. 

However, their arrangement is still flexible. Their mortgage is going up by £350 a month soon, so his wife has agreed to pay £200 of that. 

And if his wife wants a takeaway but he can't afford to pay for it, she'll say it's on her.

"Where a lot of people go wrong is being unable to have those conversations," says Paul.

2. Separate personal accounts - whoever earns the most puts more into a joint account

This is a more formal arrangement than the hybrid approach Paul and his wife use, and many Money blog readers seem to do this in one form or another judging by our inbox.

There's no right or wrong way to do the maths - you could both put in the same percentage of your individual salaries, or come up with a figure you think is fair, or ensure you're both left with the same amount of spending money after each payday.

3. Everything is shared

Gordon Hurd and his wife Brenda live by their spreadsheet. 

Brenda earns about £800 more a month as she is working full-time while Gordon is freelance. Previously Gordon had been the breadwinner - so it's a big turnaround.

They each have separate accounts with different banks, but they can both access the two accounts. 

How much is left in each account - and their incomings and outgoings - is all detailed in the spreadsheet, which is managed weekly. 

Whenever they need to buy something, they can see how much is left in each account and pay from either one. 

Gordon says this means "everyone knows how much is available" and "each person's money belongs to the other". 

"We have never in the last decade had a single disagreement about money and that is because of this strategy," he says.

Money blog reader Shredder79 got in touch to say he takes a similar approach. 

"I earn £50k and my wife earns just under £150k. We have one joint bank account that our wages go into and all our outgoings come out of. Some friends can't get their head around that but it's normal for us."

Another reader, Curtis, also puts his wages into a joint account with his wife. 

"After all, when you have a family (three kids) it shouldn't matter who earns more or less!" he says. 

Reader Alec goes further and says he questions "the authenticity of any long-term relationship or the certainly of a marriage if a couple does not completely share a bank account for all earnings and all outgoings". 

"As for earning significantly more than the other, so what? If you are one couple or long-term partnership you are one team and you simply communicate and share everything," he says. 

"Personally I couldn't imagine doing it any other way and I do instinctively wonder what issues or insecurities, whether it be in trust or something else, sit beneath the need to feel like you need to keep your finances separate from one another, especially if you are a married couple." 

A reader going by the name lljdc agrees, saying: "I earn half of what my husband does because I work part-time. Neither of us has a solo account. We have one joint account and everything goes into this and we just spend it however we like. All bills come out of this too. Sometimes I spend more, sometimes he spends more."

4. Separate accounts - but the higher earner pays their partner an 'allowance'

If one partner is earning much more than the other, or one partner isn't earning for whatever reason, they could keep separate accounts and have the higher earner pay their partner an allowance. 

This would see them transfer an agreed amount each week or month to their partner's account.

Let us know how you and your partner talk about and split finances in the comments box - we'll feature some of the best next week

The centre-point of a significant week in the economy was inflation data, released first thing on Wednesday, that showed price rises accelerated in July to 2.2%.

Economists attributed part of the rise to energy prices - which have fallen this year, but at a much slower rate than they did last year. 

As our business correspondent Paul Kelso pointed out, it felt like the kind of mild fluctuation we can probably expect month to month now that sky high price hikes are behind us, though analysts do expect inflation to tick up further through the remainder of the year...

Underneath the bonnet, service inflation, taking in restaurants and hotels, dropped from 5.7% to 5.2%.

This is important because a large part of this is wages - and they've been a concern for the Bank of England as they plot a route for interest rates.

On Tuesday we learned average weekly earnings had also fallen - from 5.7% to 5.4% in the latest statistics.

High wages can be inflationary (1/ people have more to spend, 2/ employers might raise prices to cover staff costs), so any easing will only aid the case for a less restrictive monetary policy. Or, to put it in words most people use, the case for interest rate cuts.

Markets think there'll be two more cuts this year - nothing has changed there.

Away from the economy, official data also illustrated the pain being felt by renters across the UK.

The ONS said:

• Average UK private rents increased by 8.6% in the 12 months to July 2024, unchanged from in the 12 months to June 2024;
• Average rents increased to £1,319 (8.6%) in England, £748 (7.9%) in Wales, and £965 (8.2%) in Scotland;
• In Northern Ireland, average rents increased by 10% in the 12 months to May 2024;
• In England, rents inflation was highest in London (9.7%) and lowest in the North East (6.1%).

Yesterday, we found the UK economy grew 0.6% over three months to the end of June. 

That growth rate was the second highest among the G7 group of industrialised nations - only the United States performed better with 0.7%, though Japan and Germany have yet to released their latest data.

Interestingly, there was no growth at all in June, the Office for National Statistics said, as businesses delayed purchases until after the general election.

"In a range of industries across the economy, businesses stated that customers were delaying placing orders until the outcome of the election was known," the ONS said.

Finally, a shout for this analysis from business presenter Ian King examining what's gone wrong at Asda. It's been one of our most read articles this week and is well worth five minutes of your Friday commute or weekend...

We're signing out of regular updates now until Monday - but do check out our weekend read from 8am on Saturday. This week we're examining how couples who earn different amounts split their finances.

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48′ Rampart Motor Yacht

£ 30,000

Elegant Rampart 48 motor yacht in need of some refit work. Fresh water ingress appears to have caused soft in the upper planking of the top sides and will need further investigation. Perkins P6 75hp diesels giv e8 knots cruising speed. 7 berths in 3 cabins. Aft saloon opening into the aft cockpit, an unusual design feature. Nice big yacht for sensible money.

Boat Details

• Description

48′ Rampart Motor Yacht For Sale

Rampart 48 twin screw motor yacht built by the Rampart Boat Building Co. In 1960 to a design by Horace Desty.

Ramparts were a successful yard that grew up out of the desire for elegant motor yachts in a booming economy.  Ramparts and others catered for this with attractive well built vessels offering separate sleeping cabins, more than one heads compartment and plenty of entertaining space.

This example is a handy 48’ and has an attractive aft cockpit accessed from the main saloon which is aft of the wheelhouse.  This is a slightly different concept of design compared to many other boats of the period which traditionally had the owners accommodation back aft, but by having a saloon joining the aft cockpit makes for an attractive cruising boat.

Sadly some neglect in the previous ownership means fresh water ingress has caused soft timber in the topside planking, with some frame heads and short sections of beam shelf affected.  It is advised a buyer engages a qualified surveyor to uncover the exact extent of the refit work required.

The boat is being offered for sensible money to take into account the refit work needed.  She is afloat and mobile under her own power.  There is a marina nearby with a suitable travel hoist to lift her out of the water and lorry access to enable road transport to the buyers chosen destination.

Length on Deck                      14.63m / 48’

Length Waterline                   13.5m / 44’3”

Beam                                       3.59m / 11’9”

Draft                                       1.37m / 4’6”

Construction

Carvel planked in mahogany all copper rivet fastened to steam bent oak timbers.

Solid straight laid teak decks, caulked and payed.

Original painted galvanised stanchions with a wooden capping rail.

Varnished mahogany wheelhouse and superstructure with GRP sheathed T&G coachroof decks.

2 x Perkins P6 75hp 6cyl diesel engines installed new in 1960.

Fresh water cooled engines that seem to be running well and have obviously been maintained in recent years.

Self Changing Gears gearboxes to fixed 3 blade bronze propellers.  8 knots cruising speed.

900 litres of diesel in a single tank.

8 x 12 volt 120ah batteries charged from the engine alternators or through the shore power system with a 240 volt battery charger.

Wheel steering with an inside and outside helm position.

Domestic hot water with a calorifier off the port engine.

Accommodation

7 berths in 3 cabins.

Port side companionway into the wheelhouse with helm to port and a single settee berth to starboard.

Steps down going forward.   At the bottom of the companionway is a heads compartment to starboard with an electric sea toilet that discharges directly overboard.  Opposite to port is a hand basin with hot and cold pressurised water.

Forward into the master cabin with a large single berth either side.

Forward again into the forecabin with 2 single berths to starboard and a manual sea toilet to port.

Going aft from the wheelhouse down into the galley.  To starboard is a Flavel Wayferer 2 burner gas stove with a large worktop.  To port is a stainless sink with hot and cold pressurised water and a 12 volt under counter fridge.

Aft saloon cabin which has a single settee berth either side, nice original joinery and a varnished mahogany dropleaf saloon table.

Steering compass

Raymarine Dragonfly-5 GPS

Autohelm depth sounder

Koden radar

Pinta autopilot

Auto electric bilge pump

Whale Gusher 25 manual bilge pump

8 x 120ah 12 volt batteries

Galvanic isolator

12v-24v converter

240 volt battery charger

Bunk and berth cushions

Flavel Wayfarer gas cooker

12 volt fridge

Calorifier for domestic hot water

Jabsco manual sea toilet

Jabsco electric sea toilet

2 x life rings

Aft cockpit tent/cover

Mooring warps

Simpson Lawrence manual anchor windlass

Danforth anchor with chain

Disclaimer:

These particulars have been prepared in good faith from information provided by the Vendors and are intended as a guide, Wooden Ships cannot guarantee or warrant the accuracy of this information nor warrant the condition of the vessel. The Purchaser should instruct his agent or surveyor to validate all details as necessary and satisfy himself with the condition of the vessel and its equipment.

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