Whether you’re dreaming of pristine beaches, vibrant cities, or snow-capped mountains, travelling in 2025 doesn’t have to break the bank. With careful planning and savvy budgeting, you can turn those travel dreams into reality without emptying your wallet. Let’s explore how to make the most of your adventures while keeping your travel budget lower than […]
The high cost of living affects everybody but none more so than older people who may be on fixed incomes. If you want to maintain a comfortable way of life ageing at home and stay in your own home as you age then it’s important to plan for a secure financial future. Income and outgoings […]
As we age it can be hard to find a purpose in life. This means that boredom and lethargy can set in, which can have drastic effects on older people. Boredom can lead to depression and social isolation which in turn can affect all aspects of physical health. This is why it’s important for older […]
There are a lot of different ways in which you can earn cashback nowadays. You can do this through cash rewards for using your credit card or through a cashback website. However, before you consider using any of the different ways in which you can earn cashback it is a good idea to read the small print. That way, […]
You would be forgiven for thinking that travel is expensive. It can be, but with the right attitude and some clever tricks there some fantastic ways in which you can reduce the cost of your travel without compromising on any of the experiences. Whether you’re travelling for business or leisure, take a look at our […]
Whilst some people might claim there’s a time when it’s 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 […]
There’s no denying that the cost of living crisis is not going away any time soon. Prices in the shops, the utilities and at the petrol pumps are staying stubbornly high, making life difficult for all of us. So, with this being the time of year when the festive season looms large, and the heating […]
The London storage experts Storing.com look at how the cost of living crisis can be helped with something as simple as affordable self storage. The cost of living crisis is going to be with us for a while, but luckily there is a lot to be done to limit the damage and to maintain a […]
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 […]
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 […]
In the last couple of years, the newspapers have been full of articles about how good electric cars for the environment and how over the course of the next few years we are likely to see more electric cars on the road and the start of a better infrastructure to support their use. You may […]
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 […]
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 […]
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 […]
If you have got your eye on the newest hottest gadget available, are ready to upgrade a major appliance or are prepared to stock up on all the Christmas gifts for your deserving friends and family, it’s likely you’re not alone. But, the main question is, should we wait for the black Friday deals or […]
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 […]
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 […]
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.
Having a certain amount of debt is pretty much normal these days – many people have a home loan, car finance and a couple of credit cards. Often we don’t even think about that being debt – it’s just the way we live. But it’s when we start to struggle to meet our repayments that […]
The financial markets still seem to be on a bit of a roller coaster ride; just when we think things have calmed down some more bad news crops up. An economic slump will always have a negative impact on people from all different walks of life, whether they are millionaires or just coping financially month-to-month […]
