credit score

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

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

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…

Pocket Money Management

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….

Basic Bank Accounts

Basic Bank Accounts: Why Do They Take Us For FUNTs?

Basic bank accounts are available for all. So why aren’t they advertised properly by the banks? FUNT is a term coined back in 2008 for somebody who is ‘Financially UNTouchable Unbelievably, there are still over one million people in the UK do not currently have their own bank account, a rather shocking statistic really when you consider a basic bank…

Debt Management

Debt Management: Have you been mis-sold?

Hot on the heels of mis-sold PPI and bank accounts, comes mis-sold Debt Management Plans. The Financial Conduct Authority (FCA) have identified that many Debt Management Programmes (DMP) could have been mis-sold to consumers. What is a Debt Management Plan? A Debt Management Plan is an informal debt solution which is primarily aimed at consumers who are struggling to maintain…

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