An image to depict good debt and bad debt

How to recognise a good debt from a bad debt

If you’re considering borrowing it’s beneficial to be able to recognise the difference between good debt and bad debt. Whilst there are some things in life where taking out a debt can undoubtedly be a great investment in your long term financial well-being, there are others that can leave your long term outlook in tatters. Arming yourself with the…

Being refused credit is frustrating. But what should you do to give yourself the best chance of being accepted in future by other potential lenders?

What You Should Do If You Have Been Refused Credit

Being refused credit can be so annoyingly frustrating, trust me I’ve been there when I was told I needed credit to be taken seriously for a mortgage. Regardless of who Experian, at the time, were recommending, I was having no luck whatsoever in getting anyone to accept me. Little did I know then, there were ways in which I…

How To Build A Credit File Worthy Enough For A Set Of Bankers

I’m asked, quite often, how can I build a credit file if I am unable to take out any credit without having anything on my credit file in the first place? It’s one of those annoying little conundrums akin to the job advert that requires you to have experience, yet without someone giving you the chance for you to gain…

Thdere are some costly mistakes you should avoid if you want to build or maintain a great credit score!

15 Things That Could Impact Negatively On Your Credit Score

I was involved in a study last year with icount Money which revealed most of us don’t understand our credit score and what affects it. I’ve done quite a few articles on how you can build your credit score, so today I thought I’d give you an indication of what affects it negatively. First of all, if you don’t…

An image of a couple to depict the difficulty in having a spendthrift partner

How To Deal With A Spendthrift Partner

Today’s article is a guest post from Francesca who blogs over at From Pennies To Pounds, where she details her journey about escaping the clutches of debt, saving money and her mission to earn enough money to gain financial freedom. When you are determined to pay off your debt, or achieve particular financial goals, it can be incredibly stressful to…

credit card

10 Horrible Mistakes You’re Making With Your Credit Card

Christmas is around the corner and many of us will have turned to the credit card to help cover the cost. If you’ve applied for credit to get you through Christmas you should know exactly what you’re dealing with in order to stay away from common mistakes. In this short guide I’ll explain what you need to stay clear of…

credit limit

How Much Of Your Credit Limit Should You Use?

I was recently contacted by one of my good friends who was quite literally foaming at the mouth in anger. One of the best thing about being a personal finance blogger is a year down the line people are choosing your blog posts for you!  To improve his credit score he had taken out a high interest credit card…

emergency fund

What I Would Do Without An Emergency Fund

22% of the UK population said they would need to borrow money to meet a £200 unexpected expense due to the lack of an emergency fund. Until the start of this year I had absolutely no money saved in an emergency fund. I had no debt, but I lived month-to-month, spending frivolously without too much thought to an emergency….

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