They often say that having no credit history is just as bad as having a poor credit file. The reason for this is that lenders will not have information about how credible you are. So, they will choose not to lend to you. It can be a little bit frustrating for those who have chosen […]
Are youlLeaving home to go to university? If so, having the freedom to, finally, do whatever you want, whenever you want its what most students dream of. But, the reality of actually being a student is a little different to what you might picture in your head. One thing you are certainly going to have […]
The last few years have seen savers in the UK take a real battering, with interest rates on savings accounts going only one way and that is down. Some banks and building societies are paying a pitiful 0.5% on savings. Even ISAs have fallen out of favour, despite their attractive tax-exempt status. So why are […]
Saving money can seem really difficult sometimes. Surprisingly though, even the most lavish spender or cash-strapped could find it easier to put some money away if they follow a few simple steps. Here, we show you just a few simple changes you can make to the way you approach saving, that could help you succeed […]
It is true to say that you never know what’s around the corner or what kind of catastrophe could befall you at any given moment. Everyone assumes that they are always going to be in the best of health. But what if your health suddenly takes a nosedive or an accident happens that prevents you […]
It can be a risky business investing in a startup. However it can also be rather rewarding, should your investment come to fruition. Many startups do not make it, so investing risks losing everything. However, for those that do make it; high returns on investment can be achieved. Startups go through a number of stages. For those […]
Planning for your retirement is incredibly important. Self-employed individuals receive no employer contribution, or any of the other benefits of being in an employer pension scheme. However, signing up for a personal retirement pot is still important. State Pension Everyone, including those who are self-employed, is entitled for to a state pension. A new flat-rate state […]
Taking out a mortgage is a huge decision and it is worth taking time to do your research in order to get the best deal as the mortgage market can be a very complex minefield to wade through with many different types of deals on offer. What is a mortgage broker? A mortgage broker is […]
You have probably seen plenty of advertisements for cashback sites in recent years, and they certainly seem to be on the increase. While they appear to be a great thing, it is understandable that many people are wary of them. Here we will look in detail at how cashback sites work, whether they can save […]
The credit card is a wonderful invention, allowing you to pay for longed for items or unexpected bills and spread the payments out. But a credit card must work for you rather than you constantly working to catch up with the payments which can be difficult when the credit card supplier starts to pile on […]
The beginning of 2021 looks set to be just as tricky in terms of their financial position for many people as the majority of 2020 was, so there has never been a better time to take a look at your finances and see what you can do to improve them. Whether you are facing a […]
The year of the Covid-19 pandemic has been quite scary for many people with worries about job safety and money management. But a brand new year is just around the corner and with it comes a new confidence in decision making. Many people have decided to take the leap into a new property either through […]
Whilst some people might claim that it is too early to put up the Christmas decorations, it is really never too early to start thinking about next Christmas. With some really careful planning, there are some very good savings available throughout the year that can really help to spread the cost. So if you are […]
Everyone may well be saying that Christmas 2020 is not going to be ‘normal’ in all sorts of ways, but what is still normal is that many of us want to find ways in which we can celebrate the festive period without busting the budget with excessive Christmas spending. So forget the carefully crafted ads […]
According to The Money Charity, the average household debt recorded in July 2020 was a staggering £60,403. With 12.8 million people in the UK having no savings, or savings for less than £1500 it’s clear that many of us are in debt to a certain extent. But what happens if debt starts to become unmanageable? […]
It’s hard to imagine forgetting about money, but you may be surprised to learn that in the UK alone there is something like £15 billion of forgotten about financial assets languishing in old bank accounts, investments, premium bonds, pensions and life assurance policies. Some of these may have belonged to a relative who has passed […]
As we emerge from the coronavirus lockdown, many in the UK are desperate to get away for a much-needed holiday, but securing your trip away may not be as straightforward as you think. Aside from the confusion still in place over which countries you are allowed to visit and whether quarantine rules will still be […]
At the beginning of the pandemic as the country went into lockdown, many people found themselves unable to work. In some cases, it was not possible for some to work from home and they were subsequently put on furlough by their employers. Mortgage lenders announced a range of measures that could help those people who […]
Being in debt can be a scary place and it can be hard knowing what to do about it and which way to turn. One method for helping you to manage your debts is through debt consolidation and here we will explain what it means. What is Debt Consolidation? In short, it usually takes the […]
Many payday loan companies are facing irresponsible lending claims. The Good Practice Customer Charter and Financial Conduct Authority rules required affordability checks and for key information to be given to borrowers. If they have not done so you could have a valid claim for mis-selling. With over 70% of payday loan complaints being found in […]
