Author: Jo Jeffries

Prioritise your debt – what to pay off first?

Prioritise your debt – what to pay off first?

Debt can be terrifying, crippling even. If you are juggling multiple different debts then it can be hard to know where to start. The best thing that you can do is tackle your debts. You can get them on track so that you can be debt free as soon as possible. The big question is: how […]

Is It Time To Ditch The Cash ISA?

Is It Time To Ditch The Cash ISA?

A cash ISA is simply a savings account that you don’t pay tax on. You can put £20,000 each tax year into a cash ISA, and it remains tax-free year on year. Cash ISA savings do not count towards the PSA (personal savings allowance). Yet, for many, such benefits are no longer relevant. This is […]

Subscription services – which to keep, which to cancel

Subscription services – which to keep, which to cancel

The cost of living in the UK has increased by huge amounts. According to the Office for National Statistics, in April 2022, 87 per cent of adults reported an increase in the cost of living. You only need to turn on the news to hear about the cost of council tax increases, the energy bill crisis, and […]

Cutting The Costs Of Higher Energy Bills

Cutting The Costs Of Higher Energy Bills

You can’t help but notice that the cost of energy bills is rising. The energy price cap will increase a staggering 54% from April and may rise further in October. We will face higher bills, at least for the foreseeable future. With energy companies hiking daily charges by vast sums which cant be avoided, it […]

Subscription Shopping: The Good and The Bad

Subscription Shopping: The Good and The Bad

Subscription shopping has actually been around for a decade or so now. However, it is spreading its tentacles across an ever wider product range. Certain products may well lend themselves to the concept of subscription shopping. We’re thinking here of things like pet food and cosmetics, things which, once you’ve decided to stick with a […]

How to conduct a January personal finance audit

How to conduct a January personal finance audit

Finances change on a fairly regular basis, whether you get a raise in your current job or start a new one, the prices on your utility bills can go up, and of course they will fluctuate with the seasons. Taking the time to conduct a personal finance audit can be a good way of keeping all of […]

Should You Go Through a Broker for your Mortgage?

Should You Go Through a Broker for your Mortgage?

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 […]

Annuities Explained

Annuities Explained

Whether you’ve been offered an annuity or you’ve heard the word mentioned and would like to know more about whether one would be right for you, this basic explanation may help you decide. What is an annuity?  An annuity is a written agreement between you and an insurance provider that allows you to accumulate funds […]

Buying a Home vs Renting a Home

Buying a Home vs Renting a Home

Everyone has a different opinion on renting vs buying, but which one truly is the best route to take? That depends on so many different factors, it’s impossible to answer in general. But with the proper information, each individual can make an informed decision that best suits their current situation. Buying a home is a […]

Recovering From Credit Fraud

Recovering From Credit Fraud

Identity theft and credit card fraud is one of the fastest-growing threats to personal finance today. Latest figures for credit card fraud are estimated at around 39% of fraud cases in the UK for 2018 according to Which? magazine. It helps to know what credit fraud is and what you can do if it happens […]

Should you combine your pension?

Should you combine your pension?

Whilst you may currently be saving for a pension or even have more than one pension, you could be considering the possibility of combining them.  If, over the years, you have accumulated more than one pension from different jobs, it can prove difficult in keeping track of them and their performance. When looking at combining […]

How To Save Money On Insurance

How To Save Money On Insurance

If you wanted to cut back the amount of money you are spending on home insurance fees, there are quite a few ways to do so from getting new quotes to changing your security.  The lowest price should be your main focus so don’t sit on a plan just because you’ve had it for a […]

What to look for when starting a pension in your 30s

What to look for when starting a pension in your 30s

Whilst you may not have even thought about a pension, let alone started saving for one, fear not, there’s still plenty of time. No-one knows what the future will hold but what we do know is, if you have sufficient funds available then your options for the future will be open-ended.  Life in your 30’s […]

Breaking Bad Money Habits for 2020

Breaking Bad Money Habits for 2020

A new year has rolled around and you may be hoping to start afresh with resolutions for a new you. Make this year the year you resolve to break those bad habits which you may not even realise you had, that are stopping you from managing your money properly.  Invisible Spending What do we mean […]

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 […]

Can you get a good mortgage deal if you’re self-employed?

Can you get a good mortgage deal if you’re self-employed?

If you are self-employed and looking to make your first move onto the property ladder then you might be concerned that you won’t be able to get a good deal on a mortgage.  Whilst it is true that with the removal of self-certification mortgages from the market, due to the number of people who abused […]

Savvy saving for Christmas 2020!

Savvy saving for Christmas 2020!

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 […]