A credit score is a number between 300-850 that depicts a consumer’s creditworthiness. The higher it is, the better a borrower looks to potential lenders, and is based is based on credit history. This includes number of open accounts, total levels of debt, and repayment history, and other factors. Lenders use credit scores to evaluate […]
None of us choose to be frugal. They say money cannot buy you happiness, but I am pretty sure it would improve my mood significantly. Nevertheless, there are benefits to being frugal. An appreciation for the finer things in life, and the basic things too perhaps. We look at the benefits of frugality. Cutting Out […]
Many of us stick with our mobile deals and plough on with the same provider, much like we do with a bank account. But there is no need to. There may be better deals out there. So why not use them? We look how to get the best mobile phone deal. First, Decide On Necessities […]
Debt consolidation. It’s a phrase we hear all the time. It sounds great too, as if everyone with debt should be doing what it says. But is it? Should you consolidate debt? We took a look at what is involved. Should You Consolidate Debt? What Is Its Purpose? The principle of debt consolidation is that […]
Many of us need to save money right now. The reasons should be obvious! But as we spend a lot more time at home, perhaps the answers on saving money are closer than we first thought. We look at how to save money around the house. Cook In Bulk I will be brief with this […]
It’s the news no one wanted to happen. Cases of Covid-19 are rising quickly once more across the UK, Europe and beyond. That means that we may be heading towards another full-blown lock down. Many restrictions are already in place. This will be hard for many, if not most, of us to take. So what […]
Regular readers of this blog may have noticed that i am a tad obsessed with food. But whilst i definitely think about food a lot, and take a lot of joy from it, i have wasted a lot of money down the years. I do not buy groceries efficiently much of the time. At least […]
let’s be honest, many of us could do with a boost to our moods right now. These are tough times, and being restricted in what we can do and where we can go can have disastrous effects on our mental health. We took a look at some simple lifestyle changes to help your mood. […]
Credit cards are a part of many of our daily lives. They are everywhere. And because they are such a part of the fabric of life, we somewhat take them for granted. And when we take such a powerful tool for granted, we often abuse and misuse them. The consequences of doing so can be […]
Yes, but whether its the right option can depend upon your specific financial situation. A debt consolidation loan is an effective way to get out of debt, but it is not a viable option for everyone. Before you settle on a debt relief option, it is important to understand your financial situation. Without this understanding, […]
Interest rates. They are important but also rather boring to understand! And yet we need to understand them as they affect everyone who takes on credit in any form. The problem is, there is more than one type. So let’s take a look at compound interest. Simple Interest or Compound Interest? Compound interest is the addition […]
It is a topic we have not discussed in detail on this blog site, but definitely one worth discussing. Are joint loans a good idea? It is not an easy question to answer of course. and it depends on personal circumstances. Let’s take a deeper look. What Are They? They are exactly what the name […]
We decided to look in our latest article at home improvements that make you money. Because there are a number of ways you could add value to your property right now. Master DIY The best way to save money on home improvement jobs is to do them yourself. Easier said than done, especially for me, […]
Many of us have needed access to extra funds now and then. We are put off at having an extra cost associated with borrowing, as that’s how it always works. Or does it? Because do you have to use a financial institution to access funds? We ask – is borrowing from friends or family a […]
My own story is a perfect example of ignoring debt problems, hoping they go away. So i thought it a good time to talk about debt, and how to handle it when it seems out of control .There’s just one key piece of advice in this ‘t ignore debt. Don’t Ignore Debt – My Story […]
If you struggle to source the right loan or mortgage, it might be time to rethink your strategy. Perhaps you suspect your financial situation might make you a less than attractive prospect for a lender. If that is the case, a finance broker might be the best option. What is a finance broker? A finance […]
It is of great importance to many of us right now to look after what money we have. And to make optimal use of it therefore. Part of that is of course eating, and food. But you can eat well without having to spend a large amount of money. Here is how to eat well […]
Flexible loans are a much-needed to help for many who need quick access to funds. However, added debt is not the right answer for all, as it can make matters even worse. So who should take out a loan, and when? We ask – can flexible loans help you get on track? Can Flexible Loans […]
Payday loans have received much negative attention in recent years. Is your opinion of short term loans based on facts? Read further to see how good payday loans can help you out. How Good Payday Loans Can Help You Out – Bad Publicity Thanks to a series of errors made by the payday loan industry, […]
Recently i have been having a clear out of my flat as there are far too many items i do not use and never will. And too much clutter! Some of the items have value though so i am slowly selling them online. Which made me think, as a long-time online seller. It may be […]