Advice to a 16 year old David
Personal Finance | Page 6

Back To The Future: My Advice To A 16 Year Old David

Would you love to go back and give yourself some good advice about situations in your past? I have to admit I would and here’s why. ***Warning. The following article contains alcohol, terrible fancy dress, hangovers and dancing of a finger pointing nature ***  Hands up. Who spent their 20’s partying and not giving a single thought to their retirement…

Savings
Personal Finance | Page 6

Why You Will Never Score Without A Savings Goal!

It is no surprise that people who set themselves a savings goal achieve their target faster. If you are serious about that first time home, dream luxury holiday or you are saving for retirement, set your goal, work out what you are able to save every month and watch it grow. If I can do it, anybody can! Set  Savings…

Debt
Personal Finance | Page 6

Think You Know About Debt? This Will Change Everything!

If you’re considering borrowing, it’s most certainly of benefit to know the difference between good and bad debt. There are some things in life that is worth temporarily putting yourself in debt for, whilst other can leave you in financial ruin. I’m going to show you the difference. Good Debt vs Bad Debt…..   What is good debt? In Layman’s…

credit score
Personal Finance | Page 6

How Your Credit Score Affects The Cost Of Borrowing

If you want the best possible rates when applying for credit cards and loans you need a good credit score. Furthermore, you need to keep it that way. I’m going to explain why. How lenders make their decision Banks, loan providers and credit card companies use a variety of different ways to credit check you, some being more stringent than…

Credit Rating
Personal Finance | Page 6

20 No-Fuss Ways To Build your Credit Rating: [INFOGRAPHIC]

You credit rating is vital these days. From renting properties, buying properties, opening bank accounts, applying for jobs, these days we’re credit checked for many aspects of our lives and there are a few simple, hassle free ways to improve your credit rating. You’ve probably heard the phrase, “you can’t get credit without having credit”, and to a certain degree…

Retirement
Personal Finance | Page 6

When Should You Start Saving For Retirement?

A constant increase in the cost of living means saving for your retirement has never been so important It is a conundrum for many of us. When is the perfect time to start saving for retirement? Well that depends on your life goals I suppose! For instance, I’m planning ahead now so I can call work a day by the…

credit card
Personal Finance | Page 6

Why Your Child Needs A Credit Card Now!

My child needs a credit card? Yes I can almost hear you now, but there is a method to my madness so read on! You may have seen one of my previous blogs – Pocket Money Management – which touched on the need for financial education in children. It is something that I have long advocated and extremely passionate about….

current accounts
Personal Finance | Page 6

How I Turned Three Current Accounts Into A Saving Machine

These days  current accounts to save can offer better rates than a savings account. In a topsy-turvy world of ultralow savings rates you have to think outside the box when it comes to maximising your saving potential. I remain firmly on target for the £5,000 Challenge for the first quarter of the year and as we approach the end of…

Pocket Money Management
Personal Finance | Page 6

Pocket Money Management

Money management can help to reduce the risk of your child getting into unmanageable debt later in life. We place incredible importance on education in the UK, however, financial education is something that is almost never taught to children. This can lead them to make avoidable mistakes in the future that could burden you as much as it does them….

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