Although many of us know how valuable budgeting can be when it comes to getting control of our finances, some people have started to fear the word. It’s no surprise that budgeting has a bad reputation. Most of the time, when you think of building your budget, the chances are that you think about missing… More
No matter what your money goals might be – whether you simply want to make your cash go further, or you want to save up for a deposit on a new home, you need the right savings habits in place. Forming financial habits helps you to avoid making bad decisions with your expenses and ensures… More
If you have a poor credit history, then the chances are your options regarding credit and finance will be limited. Fortunately, you don’t necessarily have to turn to a payday loan or an overdraft for help. Guarantor loans are a form of fixed-term loan available to people who struggle with poor credit ratings, and difficulty… More
Your boiler could be the most important item in your home – particularly when it comes to the winter months. That means that maintaining your boiler, or replacing your boiler, isn’t necessarily something that can wait until you’ve had the time to save up enough cash. The good news is that if you’re struggling with… More
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
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
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
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