For most students, living away from home for the first time and getting used to a tight budget can be tricky. You need to ensure that you cover all the important things. Therefore, learning to budget and even save money is essential. It can really add up when you think about it, food, books, accommodation […]
Having a say in the type of care you receive in old age usually requires having the funds available to choose the most appropriate type of care for you. No one knows what the future will hold but one thing we can be sure is that if you have funds available you maximise your options. […]
With interest rates fluctuating – a situation unlikely to change any time in the near future – and the global financial picture far from settled, the idea of rolling debts over for years on end is fast coming to an end. Even those who traditionally relied on credit – and we’re thinking here particularly of […]
When it comes to building a pension pot which can properly last you the main rule is, that the sooner you start the better. Starting your retirement pot as early as possible will give you the best chance of riding out the ups and downs of the pensions market. It will then ensure that you […]
For those looking to grow their wealth there have always been pitfalls and minefields to negotiate as well as advantages which can come with the help of professional finance experts. Now, with the growth of tech tools such as robo advisors and artificial intelligence, it is possible to do away with financial advisors altogether and […]
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 […]
During very recent times, when interest rates were low, it hardly seemed worth switching accounts. However, recent months have seen interest rates rise significantly. Although they are falling back a little, there are still quite a number of accounts paying 5% or more. According to the latest reliable figures some 114,000 people switched their current account in […]
An ability to understand and manage money is a vital life skill and one that should be instilled from an early ago. Children may not be financial experts. However, when they learn about the value of money from an early age it helps to set them up for the future. What is financial literacy? Many […]
For many, the events of the Covid-19 pandemic, the lockdowns and the subsequent financial hardships with significant price increases, all of which were in part exacerbated by Brexit and the war in Ukraine have represented significant financial setbacks. This is something that has not been seen for many years. There have, however, been financial setbacks […]
Whether you are currently working or have worked in the past, one thing you will have seen on your payslip will have been National Insurance Contributions of NIC’s for short. They are a deduction that you pay from the age of 16 until the time that you reach State Pension age for as long as you are […]
For many, a remortgage can be a good option if they are considering freeing up some money. It offers a chance to consider the rate that is being paid and look for something that is more attractive. It can also be a time to consider taking a little extra on the mortgage in order to […]
With interest rates having risen again and prices showing no sign of coming back down, or even slowing up, it is little wonder that so many people are concerned about the rises in costs that we have already seen in 2023. With this in mind, it can be a good idea where possible for people […]
Unfortunately, thousands of individuals in the UK are paying more tax than they should be. In the current economic climate, this is something that they cannot afford. Whilst your tax code may seem like a really odd selection of numbers and letters, if it is wrong and you have been allocated the wrong tax code you […]
In the UK, the majority of individuals are entitled to free NHS healthcare. Some of them, however, choose to take out some form of Private Health Insurance. This is sometimes referred to as private medical insurance (PMI). This should cover the costs they would incur if they opted to be treated by a private healthcare […]
At the beginning of February 2023, the Bank of England decided to raise the base interest rate to 4%. This made interest rates the highest they had been for 14 years; and they continued to rise. With fuel and utilities prices at a high and prices of food items increasing, people are struggling more than ever with […]
Anyone applying for a mortgage, loan, mobile phone contract or any form of store credit will be aware of the importance of having a good credit score. Your credit score determines whether your application is successful or not. The higher your credit score is, the better chance you have of being able to access the […]
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 […]
If you have been wondering when you should consider remortgaging your property, then it may surprise you to know that you can actually remortgage for a new deal or even lender at any time. There are, however, fees that will need to be paid if you choose to switch before your current rate is up. […]