Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk
You’re reading this because you’re looking into buying a house. You’ve heard these words, freehold and leasehold. You’re stumped. You’re not the only one. But knowing the difference is important and actually isn’t as tricky as it may seem. So, What Do They Mean? There are essentially two different ways of owning a home: freehold […]
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Have you ever glanced at a bank statement only to realise that you have no recollection of making a purchase? Or how about having a surprised look on your face as you scroll through the number of direct debits and standing orders leaving your account each month? Keeping on top of every-day finances can be […]
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Over 44% of us suffer from stress on a regular basis. And according to the latest stats from the Health and Safety Executive show that over 488,000 people had work-related stress last year – especially those who work in healthcare, education and the armed forces. So how can we keep stress under control? How can […]
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Were you born in 1935, 1947, 1959, 1971, 1983 or 1995? This means your Chinese zodiac sign is the Pig and 2019 is your year! Keep reading to find out all you need to know about your fortune, what brings you good and bad luck according to your zodiac animal as well as how to […]
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Feeling trapped in your habits? Self-development and self-help are trendy terms, but how to achieve them? Do you make new resolutions but fail to keep to them? This is much more common than you might think. But it’s time to leave whatever imperfections you decide behind, and achieve betterment and improvement in the New Year! […]
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It seems like winter has arrived! The days are shorter, it’s constantly dark outside, and most of the time we don’t want to get out of our warm beds. Some of us might even experience the “winter blues”. Whether it’s seasonal affective disorder or post-holiday let-down, you will benefit from our tips and tricks on […]
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The scorching heat of the summer has now become a distant memory. We may have all been praying for a breeze a few months ago – now we may be facing the coldest winter in a decade. Many long-range forecasts have predicted “potentially crippling snowfalls and ice storms” between Christmas and the New Year. But […]
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If you were born between 1980 and 1996, you’ll be described as a millennial. Also known as Generation Y, this largely vague demographic has been widely accused of buying too many avocados and not saving up for their future. Put simply, a stereotyped millennial is rarely out of the headlines for how they handle their […]
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The windows are wide open, the freezer’s chocka with icy treats and that noisy fan is almost certainly keeping you up at night. It’s been a hot few days, and now the MET Office is promising the heatwave to continue into the weekend. It’s going to be a hot one, so use these proven hacks […]
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If you’re like me, your wallet or purse is probably bursting at the seams with loyalty cards. It’s all well and good to be able to collect points at every opportunity, but at the end of the day, can your loyalty come at a price? Here’s the low-down on loyalty cards and how to get […]
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My Financial Broker has recently undertaken a survey and found the average Brit is in debt to the tune of £2,813 to their friends and family. My Financial Broker surveyed 2,000 adults in the UK and found that the top reasons we borrow from friends and family is for unexpected repairs such as boiler breakdowns, […]
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Life is full of surprises, big and small. We’re met with the unexpected every day of our lives, from unforeseen money problems to an emergency trip to the vet: and we all have different ways of how we deal with it. From minor changes to major life-shaking events, we all need ways to deal with […]
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Identity theft happens when fraudsters gain enough information about your identity to commit identity fraud. They can then use your identity to open accounts, get credit cards, loans, passports, driving licenses and anything else of value to them. How to spot identity theft In most cases of identity theft, fraudsters have already acted on your […]
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Pocket money is one of the first ways children can learn the basics of managing and spending money. It’s a great opportunity to teach them the value of money and useful habits for when they’re financially independent. How do I budget for pocket money? Before you agree to a certain amount of pocket money […]
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Cyber criminals target businesses and consumers of all ages alike. The internet has made it infinitely easier to shop, pay bills and enjoy our leisure time, but it’s also made it easier to commit crimes. With our private lives, homes and work offices connected to such a vast online world, we need to be cautious […]
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It turns out those boxes of junk you’ve refused to throw out for years might be worth a lot of money to the right buyers online. If you make the journey deep into your attic by braving the dust, spiders and Christmas decorations you could find a couple of retro hidden gems that are worth […]
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As technology grows, so does the cyber crime. Every 15 seconds someone in the UK is scammed out of their money online. Financial Fraud Action UK said there was a 53% increase compared to the year before! More of us are using our credit and debit cards online and divulging our bank details, making it […]
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There are just over 30 million taxpayers in the UK at the moment – that’s around 46% out of the total population of the UK. While that may look like over half of the population are avoiding paying tax, that definitely isn’t the case. Children, OAPs and the unemployed don’t have to pay tax, of […]
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We could all do with a brighter financial outlook but, in order to get that, we could probably all do more to make our money go further. With a little effort and some smart decision making, there are ways we can all grow our personal finances in 2017. Here are five ways to do just […]
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A pension is your financial security for your future after you have retired from working. For the majority of people the government will provide a state pension, covering all of your basic needs, but adding money to a workplace pension during your career is beneficial to you. Since 2012 there has been a rollout of […]
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What greater way to enter the New Year than by taking up a new hobby, and potentially finding a passion to last a lifetime. Whether you take up a sporting pursuit, start sewing, reading, writing, hiking or any of the plentiful options you have at your disposal, have fun and take a look at some […]
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Flogging your unwanted or unused items has never been easier. With sites like EBay and gumtree, Preloved and Facebook, turning the ‘old’ into cash has made paying off debt or saving for a special event or larger purchase possible. Gumtree for example allows you to sell all of your products free. To post an advert […]
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From the age of about 10 until my first job at 15, I was given pocket money every week by my parents. In order to ensure my £1 was waiting for me when I finished school on a Friday afternoon, I had to keep my room clean and tidy and unload the dishwasher thrice weekly […]
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Freelance work is rewarding, but it can also be incredibly stressful. Can you guess what the number one thing is that stresses freelancers out? It’s not deadlines, and it’s not interacting with clients; it’s cash flow. Cash flow is incredibly important to a freelancer, and when you can’t guarantee that payments will come in when […]
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