Pension Time Bomb: Why You Need To Save Now! [INFOGRAPHIC]

Are you a part of the pension ticking time bomb? If you are a regular visitor to this blog you will know that I am an extremely late retirement saver and only very recently started taking care of my pension. I was warned at 28 that I was already too late by a financial advisor, I chose to act…

How To Be A Pro At First Time Credit Applications

I spent years tearing my hair out about declined credit applications. I won’t lie, it was extremely frustrating. I wasn’t in desperate need of the money, I simply wanted to improve my credit score. It was incredibly annoying when I managed my money well and didn’t have any debts. What I lacked was a history. Here is how not to make…

Rental Exchange

Rental Exchange: The News Generation Rent Has Been Waiting For!

Rental Exchange has just made things very interesting! I remember having a conversation a few years ago with a friend I used to live with. I was complaining how though I had no debt, no dependants, and always paid my rent on time, I didn’t have a hope in hell in getting a mortgage as I had no credit…

Advice to a 16 year old David

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…

10 Simple Ways To Save On The Cost Of Your Holiday [INFOGRAPHIC]

As we are tightening our belts this year in pursuit of our first home we’ll be lucky to see one holiday. In fact, had it not been my mother’s 60th birthday at the end of this year, we wouldn’t be going at all. But, I promised to take her and I’m a man of my word so I’m taking…

Debt

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…

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…

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…

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