Money Saving Tips

Are cashback schemes really worth it?

Are cashback schemes really worth it?

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, […]

Savvy saving for Christmas

Savvy saving for Christmas

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 […]

How to Save Cash This Winter

How to Save Cash This Winter

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 […]

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 […]

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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