Personal Finances

Cheap Halloween costume and decoration ideas to be spooky on a budget

Halloween has recently taken over Easter as the second-largest consumer spending holiday after Christmas. In the UK we are expected to spend around £300 million on Halloween decorations, costumes and sweets. We are certainly celebrating our holidays a lot more in recent times, and it can be nice to do with your children and family. […]

Best credit card offers and promotions (October 2021)

The best offers and promotions for credit cards from 0% interest through to introductory bonuses. Used responsibly, credit cards can help you earn money on purchases, give you stronger consumer protections, make holidays cheaper, help you clear debts or spread the cost of a big purchase.  Everyone’s situation will be different, so these are just […]

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 […]

Cash Chats #224: Your Money, This Week – 15 October 2021

Your weekly digest of the biggest money stories from the last seven days. In this article Every Friday on the pod it’s time for Your Money, This Week. Stories covered in this episode include: The new contactless limit The prevalence of Buy Now, Pay Later RyanAir demanding money back from passengers if they want to […]

Aldi adding yellow stickers to even more food

To further cut down on food waste, Aldi has started a new initiative to “yellow sticker” reduce even more food. This site contains affiliate links. We may receive a commission for purchases made through these links. [Learn more] Yellow stickers are a great way to lower the price of food shopping, and Aldi is introducing […]

Portfolio (basket) case study

Every now and then someone sends me their portfolio for thoughts and suggestions. One particularly stuck in my mind because it’s the type of portfolio I could have had if events had turned out differently. Reviewing it made me feel like I’d been transported to an alternate timeline. One of those parallel universes where the […]

Review: Getquin

You may have noticed that the last year or two have been a little bit of a rollercoaster. With financial uncertainty, job insecurity, and the fear of price increases across the board, people started to hunt for an alternative way. The result? A massive uptake in trading. People began to realise that they could take […]

5 Sacrifices We Made In Our 20s To Be FINANCIALLY INDEPENDENT In Our 30s

5 SACRIFICES We Made In Our 20s To Be FINANCIALLY INDEPENDENT In Our 30s Today’s post is conversational as we discuss some of the sacrifices that moved us along the money journey to become Financially Independent. Enjoy! 😀 Mary: Let’s talk about 5 sacrifices that we made in our 20s to be financially independent in […]

Building your credit score for the first time

Building your credit score for the first time

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 […]

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 […]

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 […]

Tips for a financial overhaul in 2021

Tips for a financial overhaul in 2021

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 […]

New Year New Home – Mortgage Considerations

New Year New Home – Mortgage Considerations

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 […]

Savvy saving for Christmas

Savvy saving for Christmas

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 […]