Everything You Need To Know About Going To Oktoberfest This Year!

As you’re probably aware, Oktoberfest is the world’s largest beer festival. It’s held in Munich, Bavaria, Germany, lasts at least 2 weeks, and attracts over 6 million people each year. For many of us, it’s a lifelong dream to go – what’s stopping you? Here’s everything you’ll need to know if you decide to take the plunge.

Entry

Entry to the festival itself is completely free. There’s also no official dress code, so you don’t have to spend money on a lederhosen to fit in. You can if you want though – it looks rather spectacular.

Transport

Getting to Munich doesn’t have to be expensive either. Flights start from around £30, though you could find a cheaper deal. Once you get to the airport (Airport Franz-Josef-Strauss, which is named after one of Bavaria’s most important and long-lasting prime ministers), driving yourself to Munich is not advised.

Taking the bus is probably the cheapest way of getting to the city centre. Simply take the Lufthansa Airport Bus to the central train station, which should take around 45 minutes.

You also have the option of taking a train, which will take approximately the same amount of time as the bus. The airport is connected to two main train lines, so there are sure to be regular trains.

Taking a taxi can be the fastest way to travel to the centre of Munich, traffic permitting. It can get a bit costly though – fares cost upwards of around £50.

Accommodation

Other than perhaps the gift shop, this will almost certainly be your largest expense. If you don’t mind camping, you can stay two nights from about £130. Hotels are around twice that, but as with plane tickets, if you’re lucky you might find a bargain!

Just remember that some of the cheaper options are miles away from the city centre, so you might end up spending more overall if you factor in the extra transport costs each day.

New Attractions

There are a number of revamped attractions coming to Oktoberfest this year, like the Hofphotograph. You can have a vintage photo taken with props, costumes and backdrops.

Completely new attractions include the Chaos Pendel, which its creator deemed a ‘ride for the younger generations’. Probably because it reached speeds of up to 80mph. Two cabins sit on the end of a rotating propeller, which seems to move in unexpected ways.

For a full list of the new attractions, you can find out more here.

Old Classics

Opening in 2010 to celebrate Oktoberfest’s 200th anniversary, The Oide Wiesn has become a favourite attraction. It’s got a much more relaxed atmosphere, and appeals to a lot of families for that reason. The Oide Wiesn brings together historical costumes, traditional music and classic rides to appeal to your nostalgic side. Why not visit the museum tent, or go on a merry-go-round that’s almost 100 years old?

The Augustiner-Festhalle is said to be the friendliest tent at Oktoberfest, and like The Oide Wiesn, attracts a lot of families. They even have a ‘kid’s day’ each Tuesday, which offers particularly low prices.

Last But Not Least…

The beer is almost universally believed to be the best part of Oktoberfest, often referred to as ‘liquid gold’. Over 6 million litres of beer is drunk each year at the festival alone! Beer is sold in the tents on weekdays between 10:00 a.m and 10:30 p.m., and from 9:00 a.m. to 10:30 p.m. on weekends and holidays.

The price for a ‘Mass’ (a litre of beer) will range from €9.70 and €10.10 this year, which is around £8.85.

For more information about what beer is on sale during Oktoberfest, and the history of beer in Bavaria, you can check out the relevant section on Oktoberfest’s website.

Oktoberfest In The UK

If you’re not able to make the festivities in Germany, there’s always the chance to find a local Oktoberfest in the UK!

The 5 Easiest Ways To Save Money Without A Conventional Savings Account

Saving money is never easy, it essentially involves purposely hiding money rather than spending on nice things. But fortunately, we’ve found some easy and fun ways to save other than using the traditional savings account.

Use AI To Save With Plum

Plum makes saving money simple by just doing it for you. It lives within your Facebook Messenger so there’s no need to download an app. You link your current account to Plum and then it analyses your daily transactions to learn what you’re spending your money on. It will then work out how much you can afford to save and automatically transfer a small amount into a savings account. You can also chat with the AI and ask it to withdraw funds or spontaneously save.

AI Money Saving

A new feature is the opportunity to invest your saved money to earn interest of up to 23.3% in companies like Apple and Facebook. Be careful though, your capital is at risk with investing, which means you could get back less money than you put in. You can select a risk level, to indicate how likely your investment will return as a loss.

Get A Smarter Bank Account

Image result for revolut

Gone are the days of traditional banks with no seeming incentives for using them and enter the new era of banking. Challenger banks like Revolut are not only great for using abroad without fees but are also able to help you budget better!

With Revolut you can use a vault to save your money in for a financial goal. You can either transfer a one-off amount to there, set up a reoccurring transfer or cleverly, you can choose to round up your transactions and add that to your vault. Those rounded up pennies will quickly add up!

Do A Savings Challenge

Challenges are usually a bit more fun and satisfying than squirrelling away some of your income. But what if I told you it’s possible to save over £650 in just one year by only saving pennies?

It sounds a bit crackpot but if you add 1 penny to your savings on day one, and then 2 pennies on day two, 3 pennies on day three and so forth, these will quickly add up!

It’s a simple way of saving that doesn’t feel like it hurts your wallet too much. If you need to keep track of your days, here is a handy printable calendar.

Clear Your Debt Repayments

While this seems like a bittersweet way to save money, it can be very financially beneficial in the long-term. Many people have borrowings that need to be repaid as well as mortgages, and it is well worth repaying loans early to save yourself money on interest.

As interest rates are currently so low on savings accounts, the money you save on interest is a lot better than what you’d be getting in a standard savings account.

If you can afford it, pay off your high-interest debts first before making large mortgage repayments or the equivalent. If you do want to pay off your mortgage early to save, you need to check to see if your mortgage lender allows you to overpay without incurring fees. Many lenders allow you to pay 10% over your mortgage back per year without charge.

Go Cash Only

People generally pay for everything on their cards and even their phones, tapping away small purchases every day. However, studies have shown that people spending with their cards shell out up to 18% more than if they use cash.

It is easier to pay with that little plastic card as it physically has no monetary value, whereas cash does. For example, if you lost your card, not a problem, phone up the bank and cancel it. On the other hand, if you’ve lost cash, it’s gone and you cannot replace.

Next time you go shopping, withdraw what you think you need in cash and leave your card at home. This way you have a tangible amount of money you can use that you can’t go over.


We hope these handy tips help you save for a rainy day. If you have an unexpected expense that your savings can’t fully cover, that’s where PiggyBank can help.

We are a payday loan direct lender and can help if you fall into a tricky financial situation. We offer short-term payday and instalment loans and have helped secure loans for people with bad credit. If you require a short term loan, apply today!

An Ultimate Guide: The Cost Of Living At University

So, you’ve got your place at university sorted and you’re ready to join thousands of other students for at least the next three years. But for many students living away from home, the cost of living is tight, even with the aid of student finance. Here, we’ve broken down the average cost of living away from home at university!

We’ve done the maths using to work out an average of how much you’re likely to spend on a monthly basis. We’ve ordered these facts into the most to the least expensive, so you’ll be able to see what is likely going to be the biggest monthly expense.

Accommodation

Rent will almost certainly be the biggest outgoing each month, and the average cost will vary depending on where you are studying. In your first year, you will more than likely be in halls managed by the University. For example, Teesside University’s accommodation can be as cheap as £232 per month, whereas rent in UCL’s halls can be upwards of £1000 per month.

In second and third year the majority of students move into private houses, which again will vary in price. Bristol’s rent prices are likely to be up to £600 per month, in comparison, Sheffield could be as little as £200 per month.

Fortunately, full-time students are exempt from paying council tax in rented property, which will save a student household thousands of pounds.

Recreation and Hobbies

Budgeting for socialising and pastimes obviously depends on your habits. Based on the average spending calculated by the ONS, the average person spends £128 a month on recreation. This includes things like the cinema, sports admissions, books, video games and even pet care.

The ONS found that an average adult spends £15 a month just on alcohol but for many students nights out form a big part of their social life so this is likely to be a lot higher. You then have to take into account the price of entry for nights out and potential taxis and the late night takeaway afterwards! These costs can all add up if you’re planning in going out out frequently.

It’s important that you don’t stop spending money on hobbies any sports as this is an opportunity to meet new people and take your mind off of life’s stressors. Just be mindful that excessive recreation will add up!

 Transport

According to the Office for National Statistics, you’re likely to spend £80 a month on transport. This will obviously depend on the university you attend, for instance in a larger city like London you might need to get on the tube, but in a smaller city like Plymouth, a bike would suffice.

Travel costs are more likely to rise after you move out of halls after first year, as you need to travel to campus to attend lectures. Consider getting a 16-25 railcard, which only costs £30 and will save you a third of the cost of rail fares!

This average includes students who take a car to university, in case they want to drive home on weekends.

Food Shopping

According to the ONS, you’ll spend £67 a month on food, but it’s far more realistic to expect to spend around £80, not including alcohol. Food shopping is one of the costs that you can easily be cut by regretfully avoiding Waitrose and express stores, and buying non-brand items. Check out our blog for more great tips on saving money on food shops!

Utility Bills

Utility bills are often included with the price of rent, especially in halls. But if you pay for water, electricity and gas separately then it’s likely going to cost you around £40 per month. Staying on top of bills can be a bit of a challenge, fortunately, there are now many apps and services like Onedox that will help you keep on top of it all.

Use comparison websites to make sure you get the best deals!

Keep in mind…

Though the figures may seem scary, a maintenance loan can help you cover most of your university fees. Your maintenance loan is usually paid in instalments around the beginning of a new term. The amount you receive depends on which university you attended and your parent’s household income. You can also ask your parents to loan you money if you’re running short one month or look into alternative forms of borrowing such as short term loans or credit cards.

Figures from the Office of National Statistics 

How To Check If You Have A Credit Footprint

When taking out large amounts of credit, such as a mortgage, it’s not just necessary to have a good credit file, it’s also important to show that you have a credit footprint. Having no credit on your credit file can be as bad as having poor credit. This is because lenders have no way of knowing how you handle money if there is no evidence of this on your credit file. So how do you make sure you have made marks on your credit file?

What is a Credit Footprint?

A credit footprint is a mark or record to show that a lender or a creditor has searched your credit file. For example, applying for a short term loan would leave a footprint. A soft credit search to assess limited information on your credit score will not leave a footprint, but a hard credit search to check a complete file leave a footprint.

If a company sees that you have recently recorded lots of credit footprints with loan lenders, it could imply that you are in financial difficulty. For many lenders, too many recent footprints left by short term loan lenders could negatively affect your application.

It’s easy to check the shape of your credit file for free at Experian.

credit cards

How To Create A Credit Footprint

Taking Out Credit

It may sound a little odd, but you need to take out credit to get other credit. This shows that you are capable of repaying the amount borrowed from another lender. Credit cards are a good example of this – making regular payments towards this and paying on time show you are a responsible borrower. If you aren’t using your credit card though, some companies will mark the card inactive, or even close down the account. This can affect your credit file as things like the credit limit you have compared to the credit you used are considered.

Sending Regular Payments

Setting up something as simple as a Direct Debit to pay your phone bill can help boost your credit file. This shows that you aren’t concerned that the funds won’t be there and that they can be collected automatically each month. Therefore it’s a good idea to set these Direct Debits up the day after payday, to make sure you have the funds!

Finance Options

This can be a little more risky, as you could have a large amount of credit attached to your credit file that doesn’t go down for months, when you need to make payments. But getting something like a car on finance can work like taking out credit, in that it shows you are able to pay back things on time.

footprint

All Sorted

Once you have repayments on your credit file, you can show lenders that you are able to handle your finances and pay back on time. So if you are looking for large amounts of credit, from mortgages to bank loans, just make sure that you have good credit on your credit file, rather than no credit at all. 

Cut Your ‘Back To School’ Costs Before Term Starts!

As the summer draws to a close, lots of us have to start thinking about more practical things, like digging out our umbrellas from the cupboard and airing out our coats. For those with kids though, the end of the summer means getting the children ready to go back to school. After a summer of spending to keep the kids entertained, now you’ve got to shell out for new uniform and stationary for the school year. It might be convenient to take out a loan from a direct payday loans lender to pay for the essentials, but there are also ways to save yourself money!

How Much Does It Cost?

Last year, Oxfam conducted a survey to see how much parents spend each year to kit out their kids for school. A poll of 2,000 parents of children aged between 4 and 16 showed that the yearly cost for one child totals to around £3,033. That’s a pretty staggering figure.

The largest cost is paying for things like short outings, longer trips and other entertainment – on average parents would spend £944 a year. Clothing costs came second – £545 was spent on school uniforms, P.E. kits and other clothing needed for school. That doesn’t include shoes though – another £126 a year was spent on school shoes and trainers.

Other costs include spending around £333 on books and magazines a year, and £76 on haircuts. Over the 12 years your child is at school, you could spend on average £36,400!

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Ways You Can Save

One of the things Oxfam’s survey found was that children have a habit of damaging or losing their belongings, which meant that 8 in 10 parents have to replace multiple items. Name tags could help if things keep getting lost, but there’s not a lot you can do about damage. Other than stopping these things from happening (which isn’t likely), the best way to save money when your kids need stuff replacing is to buy them second hand. If you have older children, hand-me-downs are great too.

School uniform shops can have a hefty price tag, so buying second-hand saves money, but there are also a lot of basics sold at supermarkets. Unless the school uniform is particularly unique, you can get things like shirts, skirts and trousers almost anywhere.

As children have a propensity to grow, it can also be smart to get bigger sizes, especially if you can take up a hem!

How To Get Help With School Costs

Cutting back on spending can save you some money, but the cost is still there. A lot of people don’t realise that they could be entitled to help with school costs as well.

If you’re on a low income or get benefits like Employment Support Allowance (ESA) or tax credits, you may be able to get extra help with clothes, meals and transport to school. This may be better way of affording the back to school costs than a short term loan for some. 

You can find out more from your Local Education Authority (LEA) – the government website can let you know where your closest one is here. They can let you know if you can get support with uniform expenses, or even activities like learning an instrument.

There are lots of different criteria involved when it comes to financial help, but the Citizens Advice Bureau has a pretty comprehensive list of who can apply for things like school meals. They also point out that even if your child gets free meals already, you should still let the school know if you’re on a low income or in receipt of benefits, as they could get extra money too.

When it comes to transport costs, you won’t be entitled to these if you live within 2 miles of the school, or if there is a more local school that your child could go to. But it’s worth contacting your LEA to check if free school transport is an option.

uniform

Ask Around

The best way to find ways to save money is to ask other parents what they’re doing to cut back costs. They may be able to point you in the direction of cheaper clothing and resource options, or the school’s Parent Teacher Association.

As the well-known idiom goes, it can’t hurt to ask!

How Will Brexit Impact Us Financially?

The Effect So Far

There is a lot of debate about whether Brexit will damage our economy or improve it. In the two years since the referendum, economists estimate that the economy has taken a hit of around £30 billion a year. Businesses are also hesitant to invest British, as we don’t really know what’s going to happen in the next few years. It’s not looking fantastic at the moment, but will the economy improve?

Public Finances

A big argument for voting for Brexit was to save money on our payments to the EU. But if our economy gets too much worse, the money we ‘saved’ will just be used to shore up the downward trend. That’s not to say we won’t save money. Economists estimate we should have hundreds of millions a week extra to spend on the NHS and other priorities, which sounds like a pretty hefty sum.

One of the greatest financial impacts of Brexit will be who you work for and where you live. If your employer benefits from EU regional policy they may lose money. The areas most affected by this are West Wales, Cornwall and the Isles of Scilly. Farmers and universities that have research grants from the EU could also lose money when Brexit happens.

The big question is whether we can replace these sort of funds (around £6 billion a year) with domestic spending.

Housing

George Osborne, the former Chancellor of the Exchequer, claimed that house prices could fall by as much as 20% after Brexit. This is great news for anyone looking to buy property for the first time, but bad news for anyone already on the property ladder. But it’s hard to know whether our incomes or taxes will also shift to mean that housing prices will still be relative.

Brexit will also most likely resulting in migration levels going down. In some areas, this will mean less pressure on housing and public services.

Interest Rates

A no-deal Brexit is likely to affect interest rates offered by UK banks. Fluctuations in the Bank of England base rate could have a knock-on effect on mortgages, credit cards, savings and even loans!

Each month the Monetary Policy Committee (MPC) decide if the Bank of England base rate should rise, fall or stay the same. The base rate is used as a benchmark for interest rates and influences interest paid on loans and mortgages and interest earned on the saving account.

In the wake of the Brexit vote, the base rate was cut to 0.25% (previously 0.5%) and remained at that level from Aug 2016 to Nov 2017 when it rose back to 0.5%. As of August 2018, the base rate rose to 0.75%. Though this higher than the pre-Brexit vote, historically the rate is still very low.

Jobs

Less migration will also have an impact on jobs. How refugees affect the country’s finances won’t change with Brexit, as this has little to do with EU membership, but lack of migration could have both positive and negative economic effects.

There is no real evidence that EU migrants have led to lower wage levels, so these may not change too dramatically. A lot of public services do rely on EU workers though, so there may be an economical drop in areas like education, healthcare and law enforcement.

However, we might be taking a hit to our economy at the moment with the money that some EU migrants send home. There is no real data about how much this impacts the UK, but after Brexit, this factor may be less of a loss for our economy.

Around 12% of the demand for UK goods and services comes from the EU. This works out to be about 3.3 million jobs. Despite what some people are saying, Brexit will not mean the loss of this many jobs. Some sectors will be hit, but equally, there are some industries which will have an increase in jobs after we leave the EU.

London is likely to see a loss of jobs, and many major exporters like car manufacturers could be forced to cut back, as they may have trouble exporting to the EU.

Doom and Gloom?

There will be a lot of change after Brexit. There will be fewer jobs in some areas and more jobs in others, like the digital and creative industries. Housing costs may be affected, and lots of money will move around in the public finances. But there is no real way of knowing how much it will be a positive change and how much will be bad. As scary as it sounds, we are just going to have to wait and see.

Sensible spending is an approach that all of us at PiggyBank are in favour of. We are a payday loan direct lender,  and our service is designed to offer responsible lending to those who are in need of short-term loans and able to pay back within fixed and agreed repayment terms.

How To Avoid The Kids In The School Holidays

This summer has been unrelenting, and for those with fairer skin, spent mostly indoors. But now the haze of summer is drawing to a close, it’s safe to leave the house without risking sunburn. The trick is to avoid the swarms of children on holiday for the next month. For those of you without children, we have compiled a list of hotels and locations that will help you on this quest.

The Scarlet Hotel, Cornwall

The Scarlet Hotel, which is ‘just for grown-ups’, promises to care for you as if you were in the home of a friend. It also offers luxuries like cliff top hot tubs and a spa. The hotel overlooks Cornwall’s Mawgan Porth Beach and has panoramic views of the coast and Atlantic Ocean. If you’re looking for an eco friendly hotel with a touch of pampering, rooms at the Scarlet start at £280 for a two-night minimum stay.

Sandhill House Country Retreat, Cornwall

Also in Cornwall is the option of the Sandhill House Country Retreat. Due to the large number of ornamental ponds, the retreat is unsuitable for children. Set in the heart of the Tamar Valley, Sandhill House is a countryside retreat with breathtaking views. With Dartmoor National Park and Bodmin Moor close by, this retreat is perfect for those looking for long walks and fresh air. Prices are from £82 a night, with a minimum two-night stay.

Warner Leisure Hotels

With hotels across the UK, Warner Leisure Hotels offer a ‘grown-up treat’. Each hotel is set in some of the UK’s most beautiful places, and you can choose between coastal or country getaways. Each location has different activity options, from dance workshops to fencing. Warner Leisure also organise tours of the locality, so you can explore the area and take in the country air.

Center Parcs

Although Center Parcs cannot offer a completely child-free experience, there are so many activities to enjoy that are strictly aimed at adults. Why not try laser combat or a quad bike safari? There are five UK locations to choose from, and a variety of accommodation options. The most luxurious choice is a treehouse which includes a private outdoor hot tub and a games den.

Bluestone National Park Resort, Pembrokeshire

Bluestone National Park offers adult and couple holidays, to allow you to take a romantic break or just escape the children. Activities include sky wires, rock climbing and kayaking, and should you need to recuperate after all this exercise, Bluestone also have a spa retreat. Located in Pembrokeshire, the resort is surrounded by historic castles, beaches and coastal beauty. Prices start from £49 a night, with no minimum stay.

Careys Manor Hotel, New Forest

Careys Manor Hotel offers ‘grown-up getaways’, set in the picturesque New Forest in Hampshire. This hotel’s aim is to pamper, featuring three restaurant options and a luxury Thai spa with state of the art hydrotherapy facilities. The spa is said to restore inner calm and renew energy levels, so this hotel is perfect for those looking to relax and escape from stress. Prices are from £209 per night, and there is no minimum stay.

Here’s How You Can Visit A Free Festival Every Day During August!

July and August are the time for festivals, but unless you booked tickets months in advance, you’re unlikely to be able to get hold of any. If you want to go to any of the big festivals like Reading or Glastonbury, the tickets aren’t cheap either, and you might have even considered taking out a loan! So we have created a guide to get you through the whole of August, attending festivals for free! (It’s around 2400 miles, and the petrol would cost you about £600 though, so you might want to stick to some of the more local ones.)

Monmouth Festival

27th July – 4th August

Set in the historic Welsh border town of Monmouth, this festival is all about music. From jazz to ska, you’re bound to find something you like. The committee aim to let anyone to lose themselves in music, in the open air, in pubs and churches.

Brighton Pride

3rd August – 5th August

The UK’s biggest pride festival in Brighton promises to be unforgettable. This vibrant event is a celebration of diversity, and has many events to get involved in.

Guildford Summer Festival

8th June – 12th August

This summer festival is full of art and heritage events, including a host of craft fairs and farmers markets. On 6th August, there is also an Alice Day in the Castle Grounds, with entertainment inspired by Lewis Carroll’s Alice in Wonderland.

Bristol International Balloon Fiesta

9th August – 12th August

This year is the 40th anniversary of the Bristol Balloon Fiesta, so it’s bound to be more balloon filled than ever! There are over 100 balloons taking off during the day, and if you stay until late, you can see the famous Night Glows, when balloons light up the sky in time to music.

Edinburgh Fringe Festival

3rd August – 27th August

While you do need to pay for certain acts, there are many free events at the Edinburgh Fringe Festival, in venues all over the city. There should be thousands of performances, with shows and events to suit all ages.

Isle of Wight Garlic Festival

18th August- 19th August

Despite the name, this festival is not just about garlic. There will be hundreds of arts and craft stalls, live music, and activities for children like a giant fun fair. For the garlic lovers though, there will be marquees with cooking demos throughout the whole day.

Edinburgh Art Festival

26th July – 26th August

Not to be confused with the Edinburgh Fringe Festival, which also focuses on the arts, the Art Festival brings together the leading art galleries in the city in a celebration of the finest visual art.

Notting Hill Carnival

25th August – 27th August

This celebration of Caribbean heritage is one of the world’s largest street carnivals. The Carnival will be filled with colour, music and flavour. There will be traditional Caribbean dancing, food stalls as well as floats and costumed performers.  

Robin Hood Festival

27th August – 2nd September

While you are not obligated to dress up for the Robin Hood Festival in Sherwood Forest, it is definitely encouraged. You can listen to medieval music, watch performances, or just wander through the forest in a nature walk.

Bournemouth Air Festival

30th August – 2nd September

As the name implies, the Bournemouth Air Festival is an air show, featuring a huge line up of aircraft to see. There will also be performances from the RAF Red Arrows in aerobatic displays.


If you in need of cash quickly to cover an emergency expense, PiggyBank can help! We are instalment and payday loan direct lenders and offer £100 up to £1000 loans with flexible repayment options. If you need a loan urgently, apply for a short term loan online today!

Use These Foolproof Tricks On Your Social Media To Get A Job!

A staggering one in five employers has turned down a candidate because of something unappealing on their social media. The last thing you worry about when being tagged in a photo or sharing a post is whether it will affect your job prospects. Although according to a YouGov survey, almost half of employers stalk your LinkedIn and Facebook accounts. So what can you do to your social media to make you look like the ideal job candidate online?

The Generally Unwritten Rules

To quote everyone’s favourite wizard from Middle Earth, if you’ve got lots of crude pictures and shared content on your feed that could be seen as offensive, delete it or change the visibility settings. Employers will undoubtedly be put off by crude or divisive posts.

If you have any interesting blogs or other online presence such as a portfolio, make sure you display them in your bios. Employers will be impressed by your extracurricular activities!

It may be a good idea to follow companies you are interested in joining, and even the profiles of employees that could be involved in your interview. But it’s very important that you don’t pester them and ask for updates on interviews and applications.

Although it is a good idea to post that you are looking for a new role, don’t make it seem like you are only in it to pay your bills and loans. Yes, payday is a big part of a job, but jazz up your reasons by saying you’re looking for a new challenge. Use keywords in your post too: for example, if you’re a customer service phone agent, use these exact phrases so people can find you!

If you left a previous job with hostility, don’t share any posts that are unkind to your previous employer. This might mean your employers will not leave a good reference, and it will not reflect well on you to any new employers.

Up Your LinkedIn Game

LinkedIn isn’t as popular with millennials, however, that’s not to say it isn’t useful! In fact, it’s probably the most influential social platform for your career.

Ensure your work history is filled in with excellent punctuation and grammar, and use a professional profile picture. Use your bio to advertise that you’re looking for a new opportunity.

Join some relevant groups on LinkedIn, this will give you the opportunity to chat with other people in your field of work. Making conversation with people in your sector could lead anywhere!

Connect with people you know including old work colleagues to ensure you have as many connections as you can. As with the groups above— the more links you have with other people, the more likely you are to be scouted by potential job offer…

Use Facebook To Your Advantage

You’re not alone in the fear that an interviewer would unearth a cringe-worthy picture or comment you posted 8 years ago. But this doesn’t mean you should completely lock down your profile.

Put restrictions on your photos, your shared posts and ‘About Me’ section, but keep relevant information such as your employment and education background. Publicly share interesting aspects your life such as charity work or articles about your work sector to ensure any snooping employers understand that you’re a hard work individual. Let them see exactly what they want to see!

It’s never a bad idea to like and follow the companies that you’d like to work for, especially so you can be made aware of their activity to talk about during an interview. You may also be alerted of upcoming job openings.

Tricks For Twitter

You can use Twitter to position yourself as a professional and personable thought leader. If you’ve got interesting or witty things to discuss, share your thoughts and people will begin to follow and engage with your tweets. Think of yourself as a brand, and how you think people should see you.

It’s important not to be too robotic with your tweets, people want to see your personality! Employers will want to bring you in for an interview if they see a charismatic individual on Twitter.

Make use of the power of the hashtag, search for #hiring around your location to see if any employers are advertising any openings near you. Also, remember to follow Twitter Handles that will provide you with advice and opportunities:

Happy job hunting!

Debt Consolidation — Find Out Whether This Could Be The Right Option For You

Taking out a short term loan can often be an excellent way to cover an unexpected cost. However, taking out several loans alongside other borrowings can become difficult to repay. One solution for you if you are struggling to keep up with the monthly repayments is debt consolidation. Here, we explain what debt consolidation is and whether it could be a good solution for you.

Understanding Debt Consolidation

Debt consolidation and debt management are two different things, so don’t get them confused! Both are intended to help manage your monthly payments, but it’s all about deciding which option will be right for you.

Debt Consolidation merges all of your debts together into one single debt that covers them all. This can make repaying your debts much easier because it means you only have to make one single payment every month.

This consolidated loan could repay outstanding debts on credit cards, personal loans or store cards.

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Make sure if you do choose to opt for a debt consolidation that you know if the loan is unsecured or not. An unsecured loan means that you lent the money based on whether they believe you are likely to repay, which is based on your credit history. A secured loan is secured against a valuable asset such as your house, which means your home could be repossessed if you fall behind on your payments.

It’s important to note that if you do choose to consolidate your debts you should not take out any other loans or credit and you should destroy your credit cards until you have got your finances back on track. 

Advantages to Debt Consolidation

All of your outstanding credit is in one place — It makes repayment simpler as you only have one interest rate and one single repayment.

It could improve your credit score — Once your debt is consolidated and you are able to manage your monthly payments, you may see your credit score improve. This is because lenders and banks can see that you’re able to keep up with payments and are therefore more trustworthy to borrow money.

Disadvantages To Debt Consolidation

You could end up paying back more —Consolidating your debts and repaying over a longer period of time could see you paying back than if you pay them back separately.

Higher interest rates — If you move your credit card repayments to a consolidation loan, you may end up with higher interest rates. A way to avoid these is to do a balance transfer on a 0% introductory rate.

Early repayment fees — Unlike PiggyBank, many lenders charge a fee to fully repay a loan before the end of its term. Check the terms and conditions to make sure you know whether these fees apply.

Is Debt Consolidation Right For You?

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