Money Saving Tips

Should you invest in a startup?

Should you invest in a startup?

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 […]

Investing – A Beginner’s Guide

Investing – A Beginner’s Guide

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 […]

How To Set And Keep A Savings Goal

How To Set And Keep A Savings Goal

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 […]

Pension Planning for the Self-Employed

Pension Planning for the Self-Employed

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 […]

Do Cashback Sites Really Save You Money?

Do Cashback Sites Really Save You Money?

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 […]

Beating the Credit Card Interest Trap

Beating the Credit Card Interest Trap

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 […]

New Year, New Money

New Year, New Money

Every year many people make New Year’s resolutions, whether they decide that this year they are going to get more exercise, lose weight or be more money savvy. The problem is that sticking to a New Years resolution can be quite tricky. Sticking to a budget, especially if you are not used to one, can […]

How to cut car costs for multi-car families

How to cut car costs for multi-car families

There is no denying that having a car can be expensive. However, for the majority of families, having access to a car is a necessity. They may need one to get to work, school, transport children to activities and even do the weekly shop. If you are a multi-car family, then these costs are even […]

Budgeting for next year’s holiday – what to consider

Budgeting for next year’s holiday – what to consider

Holidays can be pricey, so it is worthwhile beginning any budgeting early so that you have plenty of time to save. A carefully thought out budget that considers all of your day-to-day expenses will show you exactly what spare money you have each month and give you an indication of your ability to save. Price […]

How keeping track of small spending can help you to save

How keeping track of small spending can help you to save

It is always a good idea to consider building up some savings in case of any emergencies. Unfortunately, all too often the hardest part about saving can be knowing where to start. If you want to understand where your money goes so that you can take that first step towards starting a savings account, then […]

Learning How to Budget Effectively

Learning How to Budget Effectively

We all experience times when we get into debt – or, at least, more debt than we are comfortable with. It could have been an emergency situation like needing to pay for repairs to our home or needing to buy a new car to get us to work. But often enough it can be put down to bad spending habits – it is so easy to be tempted into spending more than we can reasonably afford, especially when we have some spare capacity on a credit card. But then the reality of having to pay off that debt hits hard and what we have to show for it is probably very little in the greater scheme of things.

Budgeting effectively requires steely determination, avoiding the shops and avoiding online shopping, especially late at night when we can make irrational decisions. It means only buying what you really need not all those extras that are not essential.

Tips For The Savvy Borrower

Tips For The Savvy Borrower

This article will explain some considerations before you take out a debt consolidation, a step for rolling all your loans into one single bill (with a lower interest rate). At least you should consider several things below: You may have to consider some other options before taking refinance Examination of every debt consolidation loan You […]

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