When It’s Time to Replace Your Car But You’re Cash-Strapped and Credit-Poor

Even the most solidly built and best-maintained car will eventually wear out, and the day will come when you need to replace yours. Maybe that time is quickly arriving for you, and you’re in a panic, wondering just how you’re going to pay for your next set of wheels. Or perhaps you’re thinking of buying… More


The Highs and Lows of Rock-Bottom Interest Rates

In early August 2016, the Bank of England finally made the announcement that had long been predicted and had been the topic of nearly endless speculation: a cut in interest rates to a new record low of 25 percent. Not surprisingly this decrease is generally considered to be good for borrowers (particularly those who have… More


Rising Consumer Debt and Easier Mortgages: Is it Déjà vu?

In the years since the financial crisis, there have been numerous changes in the banking and mortgage industries in the UK, presumably to lessen the risk of another similar catastrophe. But certain alarming financial trends, such as a surge in consumer debt over the past few years, have prompted many to wonder if we’re headed… More


Will Brexit Make or Break You Financially?

Now that all of the screaming and hollering about Brexit has quieted down somewhat… well actually it hasn’t. There’s still quite a lot of shouting going on, for the vote on 23 June was not an end but rather a beginning of a new era of uncertainty (and that’s putting it mildly). The plummeting pound… More


Shakespeare Notwithstanding, Stigmatising Debt Helps Neither Borrower Nor Lender

William Shakespeare had some pretty pithy things to say about money and debt. Do his words hold up in today’s economic climate? And how do modern attitudes towards money and indebtedness affect the way people handle their personal finances? The year 2016 marks the 400th anniversary of Shakespeare’s death (the exact day being May 3,… More


Have Short Term, High Interest Loans Been Unfairly Demonized?

Despite the improvement in the economy over the past couple of years, many people are still struggling financially. Even many of those with full time jobs can find themselves in a serious cash crunch. And if they have poor credit, as so many people do, they may turn to short term, high interest loans –… More


Low Petrol Prices Are No Cause for Complacency

In an economic picture that is still somewhat bleak overall, one of the recent bright spots for UK motorists has been a lower price at the pumps. Though many Britons are still struggling to get by and are taking on additional jobs or borrowing money in order to make ends meet, at least we can… More


Even the Cheapest Loan Can Be Costly

In late February 2016, the Bank of England (BOE) announced that unsecured borrowing in January rose by 9.1%, which is the biggest annual increase in a decade. Economists were on fire with the announcement that UK consumers have “rediscovered their zeal for borrowing” on credit cards, overdrafts and loans. That borrowing swelled by £1.6 billion… More


Can Britain Fix the Housing Crisis?

Unless you were hiding under a rock somewhere in 2016, you’ve surely heard about the housing crisis in Britain: inflated prices, deflated inventories, and a host of initiatives that have made life more challenging for homeowners and renters alike. One problem that has received considerable attention is that despite initiatives by the government to help… More



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