Reducing Your Expenses

In the current economic climate, as millions struggle to get by, reducing your expenses could be a god send. But often that is easier said than done. With a bit of research, planning and perseverance, we can all reduce what we spend, without reducing our quality of life. Here is how. Methodology Depending on what […]

How Is A Credit Score Calculated?

Nowadays credit scores and ratings are something that we are more aware of than ever. Not least because the credit crunch made more people apply for credit. However, lenders are rejecting more applicants than normal because of the reluctance to lend as much.  Thus it makes us feel as if lenders are rejecting us all, […]

Debt To Income Ratio

The fact is, most of us have debt. Some more than others, but it is a constant part of many of our lives. This can be something that you are comfortable with, or something that causes a lot of stress. And which camp you fall into may be linked to a subject that is not […]

How To Use Credit Cards Responsibly

Credit cards are an integral part of many of our lives. Millions of us own at least one, some owning many more. And for many of us, we sadly rely on them, which can be very troublesome indeed. Keeping that in mind, we thought it helpful to write on the topic of how to use […]

Tips On Money

In our final part of the series, we take a look at some more sound financial steps you should take to make your life easier and more agreeable. So here are the final tips on money. Cancel Those Subscriptions I think most of us are subscribed to things we barely use, or never use at […]

Checks To Make Before A Big Financial Purchase

Even the most careful spenders amongst us will every now and then dust off the cobwebs and make a significant financial outlay for something. From major vehicle or home repairs to broken appliances to decorating a house. Occasionally a major purchase is a must. But before you splash the cash, take a moment to ask […]

Which Debts To Pay Off First

When trying to pay off debt, it is not always a simple process. Not just because paying off debt is difficult in itself, but because many of us have multiple debts, and we must prioritise which to pay off. With that in mind, we take a look at an age-old problem. Which debts to pay […]

Debt Reduction Mistakes To Avoid

The internet is full of financial advice. It is easy to be overwhelmed by it to be honest. And much of it revolves around advice for those in debt. We don’t want to confuse matters further, but we thought there were things we wanted to say, as it is a matter close to our hearts. […]

Financial Tips

In the current climate, many of us are having to take extra special care of our finances, as a recession caused by the pandemic inevitably bites. There is never a bad time, but perhaps now is an even better time for some financial tips. Pay yourself first You need to look after yourself primarily, then […]

How To Improve Your Credit Score

We are often asked about credit scores by customers and those looking to borrow via a personal loan. Many worry that their score is not good enough to borrow. Some ask if applying will affect their rating. We take a look at what is entailed, and mainly we examine how to improve your credit score. […]

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