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.
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Let’s face the harsh reality. We all have faced or will face some sort of financial crisis in our lifetime and it is our responsibility to be ready for it.
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Your credit score changes as a result of every loan that you take out and every payment that you make, pay late or fail to pay.
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Money is one of the leading causes of stress for many people. You often feel you don’t have enough of it and when you do, you feel guilty about spending it in case you need it for an emergency.
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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?
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Those few days after the festive season are dangerous, right?
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A lot of conventional money saving wisdom says that we should try and leave the plastic at home: when you use cash, the theory goes, you have a better sense of what you’re actually spending.
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