Ever tried to knock down a price and get a better deal? Unless you’re one of those lucky people who has a natural gift for haggling, then the chances are you’ve never even considered asking for a lower price.
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If you have difficulty making ends meet or are struggling to pay down a debt, then that problem can often feel exacerbated over the Christmas period.
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Landed yourself a great new job with a sweet benefits package? Nice work!
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Last week, we brought you up to speed on the basics of managing the finances from any freelance employment that you do to bring in some extra cash – what’s commonly known as a side gig.
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‘Side gig’ has become a popular term to describe those little extra jobs that can help you earn a few extra quid to tide you over before payday, put towards a savings goal or use as spending money if your main salary is all already accounted for.
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You may have seen the news announcing that, on top of existing security checks, banks are going to start verifying the name of the recipient when you transfer money into another account.
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Whether you’re fresh out of college or looking to return as a mature student, going to university can be a fulfilling experience that offers education as well as the chance to upskill in your field.
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Youngsters can’t be expected to suddenly get the hang of managing their finances: it’s a skill that needs to be actively learned, not picked up along the way.
Read More» Banking / Debt / Financial Planning / Personal Finance / Technology Posted by Paul 14 Sep 2018 / 0 comments
If you’ve run into financial difficulty in the past then it might have left its mark on your credit file: defaulted payments are visible on your record for a number of years, and might lead to you being turned down if you apply for further credit in the future.
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One financial tool which is extremely underutilised – but can also be incredibly helpful – is the balance transfer credit card.
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Does a large chunk of your monthly income disappear on groceries, take-out or restaurant dining?
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The Bank of England has raised the interest rate from 0.5% to 0.75% – the first rise since 2009.
Read More» Banking / Debt / Financial Planning / Loans / Money Saving / Mortgages / News / Pensions / Personal Finance / Savings Posted by Paul 08 Aug 2018 / 0 comments
Do you spend the latter part of every month holding your breath for the next payday?
Read More» Financial Planning / Money Saving / Personal Finance / Savings / Wealth Posted by Paul 25 Jul 2018 / 0 comments
Whether you’re looking to buy an irresistible bargain, or trying to shift some unwanted goods, your online go-to has always been internet auction house, eBay.
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Cash machines are disappearing from the streets of Britain at a rate of 300 per month. Now, debit cards have, for the very first time, overtaken cash usage – with 13.2 billion transactions to 13.1 billion.
Read More» Apps / Banking / Credit Cards / Debt / Financial Planning / Personal Finance Posted by Paul 04 Jul 2018 / 0 comments
It’s now official: debit cards have finally outpaced cash usage for the very first time.
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We’ve gone from a nation of savers to a nation of borrowers – taking out credit cards, dipping into our overdrafts and using payday loans to combat ever-rising prices and to fund our 21st century lifestyles.
Read More» Credit Cards / Credit Rating / Debt / Financial Planning / Personal Finance Posted by Paul 20 Jun 2018 / 0 comments
Revolut, the London-based fintech start-up, has announced plans to launch commission-free stock trading.
Read More» Apps / Banking / Banking / Business / Fintech / Personal Finance / Start-ups / Technology Posted by Paul 13 Jun 2018 / 0 comments
Losing a job – a lot of us have been there and know the horrible sinking feeling that accompanies your last paycheque.
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The monthly phone bill is one of those expenses that can seem to slip under the radar – you realise that you need more data each month, so you let them up your tariff by a fiver… you upgrade to the latest model and your plan goes up again.
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It feels like a catch-22 situation: you can’t take out credit cards, loans or mortgages without a good credit score, but in order to build your credit score you need to use a credit card or make loan repayments.
Read More» Credit Rating / Debt / Financial Planning / Personal Finance Posted by Paul 23 May 2018 / 0 comments
We love saving money. So it stands to reason that we also love money saving-tips… but only when they’re actually likely to help.
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In the headlines this week, we’ve seen the recommendation that every 25-year-old is given a one-off payment of £10,000 to help address the growing imbalance between generations.
Read More» Banking / Careers & Employment / Debt / Education / Mortgages / News / Personal Finance / Personal Finance / Savings Posted by Paul 09 May 2018 / 0 comments
When you decide to make a lifestyle change, it’s easy to go for an all or nothing approach – after all, you want to see results as quickly as you can.
Read More» Banking / Debt / Financial Planning / Personal Finance / Savings Posted by Paul 02 May 2018 / 0 comments
We’re constantly reminded of the importance of saving – whether it’s for our retirement, that luxury holiday or for those emergency expenditures that just seem to come out of nowhere.
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For anyone trying to take control of their finances, creating and managing a budget is absolutely vital. Here, you can see all your earnings and assess your out-goings.
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If you’re a worker in the UK then you already know about auto-enrolment.
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So, we can all see how technology has changed the way we live, the way we work and even the way we shop for those to-die-for deals, right?
Read More» Banking / Business / Business / Credit Cards / Finance Tech / News / Personal Finance / Personal Finance / Tech Posted by Paul 16 Mar 2018 / 0 comments
You’re planning on starting a new business. Congratulations! This is an exciting time for any entrepreneur, whether you’re a seasoned business owner or a rookie start-up.
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Financial difficulties and troubles affect most of us at some point in our lives. It’s a stressful time, and it can often feel like there’s no way out.
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Today we have for you a really well designed infographic from payday loan provider Sunny Loans.
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“Accidents happen,” they say. But with these clever gadgets for your car, they don’t have to.
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Mobile phone bills can be astronomically expensive, particularly if you want to get hold of the newest smartphones.
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So you’ve decided – or are in the process of deciding – that relocating your business is a viable option for your company.
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Looking for the ideal first investment or even a new asset to add to your portfolio?
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