Cutting down on your monthly expenses doesn’t have to mean tightening the budget belt, there are still many different ways that you can save on them. Turn Electrical appliances off when not in use Energy Saving Trust found that across the UK, households were spending between £45-80 per year just on TVs and game consoles […]
Your 20s will be thrilling as you embark on the beginnings of adulthood, but they can also be daunting as you navigate the much less desirable obligations of adulthood, such as bills and loans. It could also be the most important decade for your financial future. While your financial situation will differ from your friends’, […]
By the time most people realise or are prepared to admit that they actually have a debt problem, it’s already at a level where it is affecting their daily lives in a range of ways. The reaction that most people have to debt problems is to go for short-term fixes – taking out more credit, […]
Over the last weeks, we covered everything from ‘What is credit?’ to ‘What happens if you get a bad credit score?’ in this Credit series. Your credit rating matters more than ever as it’s one of the main factors lenders use when deciding whether to accept your credit application and even how much to charge. […]
We’ve all made money mistakes before, those expensive shoes that didn’t quite fit or that equipment for your latest hobby that you realise just wasn’t you. We all have certain things that we love to spend money on regardless of whether it’s was a good idea or not, and before you know it, a good […]
Many people who have bad credit often find themselves in financially difficult situations. But what does it really mean to have ‘bad credit’? Well, it can mean a few things but the negative effects of having bad credit are undeniable. Here is a list of what it means to have bad credit. High interest rates […]
Feeling the pressure to please loved ones and to give children that perfect Christmas? You aren’t the only one! Christmas can be a costly time of the year: presents, food, days out are just the tip of the iceberg, making it really difficult to stick to a Christmas budget. Here are our tips and tricks […]
Personal finance is full of confusing terms and acronyms, and the phrase APR is certainly one of them. Luckily, it’s not that hard to answer the question ‘what is APR?’ APR is short for annual percentage rate, it is the annual rate of interest you will be charged for borrowing. You will find it advertised […]
In the world of credit, it is difficult to pinpoint correct information as it is filled with misinformation and misunderstanding, making it difficult for the average person to find out more information or to even want to get involved with credit. Read on to debunk these credit myths and set the truth free. What does […]
The market for short term loans has transformed quite considerably over the years, meaning that modern day customers of this market are facing a very different service from the past. Nowadays the services offered by short term loan lenders are more flexible and thorough, with the checks they complete taking into account affordability. Instalment loans […]
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