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# Dumb Funded

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## Posts

- [Latest](https://www.dumbfunded.co.uk/latest/)
- [How To Maximize Ecommerce Profits When Selling Internationally](https://www.dumbfunded.co.uk/guides/how-to-maximize-ecommerce-profits-when-selling-internationally/) - The internet has erased borders, turning local businesses into potential global players. For e-commerce companies, this is a huge chance to reach new customers and make more money. But selling internationally adds complications that can quickly eat into profits if you don't handle them well. From changing currencies to different ways people prefer to pay,
- [Freelancing For Beginners: Getting Paid](https://www.dumbfunded.co.uk/careers-employment/freelancing-for-beginners-getting-paid/) - So, you've finally taken the plunge and decided to go it alone as a freelancer. You've landed a client or two, and you're hard at work putting your talents to good use. When the job is done there's only one thing left to do: it's time to get paid. This can be the difficult part
- [How To Make Paying Easier For Customers](https://www.dumbfunded.co.uk/guides/how-to-make-paying-easier-for-customers/) - A smooth payment experience can make a big difference to how customers feel about you and your business. Even if your products or services are excellent, a complicated checkout process can instantly switch people off and lead to abandoned purchases. Customers want payments to feel simple and secure, but they also want them to be
- [Finding The Best Company For Equity Release In 2023](https://www.dumbfunded.co.uk/personal-finance/finding-the-best-company-for-equity-release-in-2023/) - Not everyone has a full understanding of what equity release is and how to find a company suitable for your needs. Below we discuss in detail how to find the best company for your equity release needs in 2023. What is Equity Release? Modern equity release is a safe method for the over 55's of
- [Can A Custodial Roth IRA Be Opened For A Newborn Baby?](https://www.dumbfunded.co.uk/guides/can-a-custodial-roth-ira-be-opened-for-a-newborn-baby/) - Why a Custodial Roth IRA isn't always the best first step—and how to best save for a newborn instead. It's never too early to start thinking about your child's financial future, even after they've only just arrived. Naturally, that leads to questions about investing as early as possible. If you've done any Googling, you might
- [The City That Outgrew Britain](https://www.dumbfunded.co.uk/guides/the-city-that-outgrew-britain/) - For much of the 20th century, Manchester's story was one of industrial decline. The mills fell silent, factories emptied, and the city watched as London consolidated its grip on the nation's wealth. Today, that story has been emphatically rewritten. While the UK as a whole limped to a 1.3% growth figure for 2025, and closed
- [Saving In A Recession: Is A Cash Isa Safer Than Safe Haven Investments Like Gold?](https://www.dumbfunded.co.uk/personal-finance/saving-in-a-recession-is-a-cash-isa-safer-than-safe-haven-investments-like-gold/) - Residents in the United Kingdom who are aged 18 and over can invest up to £20,000 each tax year into a Cash Individual Savings Account (ISA). The interest earned in a Cash ISA is tax-free and will be paid into the account annually or monthly, depending on whether it is a fixed or variable account.
- [What Your Salary Actually Looks Like After Tax In 2026/27 - The Figures That Might Surprise You](https://www.dumbfunded.co.uk/personal-finance/what-your-salary-actually-looks-like-after-tax-in-2026-27-the-figures-that-might-surprise-you/) - Most of us know our salary. Far fewer of us know what we actually take home. Between income tax, National Insurance, and the ongoing freeze on tax thresholds, there can be a significant gap between the number on your offer letter and the amount that lands in your bank account each month. With the 2026/27
- [New Year Personal Finance Mega Guide - 2026 Edition](https://www.dumbfunded.co.uk/personal-finance/new-year-personal-finance-mega-guide/) - In this free guide we are going to take a look at how to get your finances in shape for the new year. Click here to view.
- [Home Repossessions Rise For The First Time Since 2014](https://www.dumbfunded.co.uk/news/home-repossessions-rise-for-the-first-time-since-2014/) - So it's become clear that we're now looking at the first quarterly increase in home repossessions across the UK since 2014. And that's without taking into account the potential consequences of the recent increase in interest rates announced by the Bank of England. But apart from it being extremely unfortunate for those concerned, what does
- [How To Avoid Getting Trapped In An Expensive Car Finance Cycle](https://www.dumbfunded.co.uk/guides/how-to-avoid-getting-trapped-in-an-expensive-car-finance-cycle/) - It's surprisingly easy to slip into a bit of a routine with car finance. You reach the end of one agreement, the dealer offers you something newer and better, and before you've really thought about it, you're signing another contract that looks a lot like the last one. The monthly payment feels familiar, so it
- [Chasing Unpaid Invoices? Here’s What UK Business Owners Need To Know](https://www.dumbfunded.co.uk/guides/chasing-unpaid-invoices-heres-what-uk-business-owners-need-to-know/) - If you're running a business and someone hasn't paid you - whether it's a client, customer, or another business - you're not alone. Thousands of UK business owners face this issue every year, and it can quickly put your finances under pressure. Why Late Payments Hurt So Much Late payments don't just delay your cash
- [Best Preparations To Make When Investing In Real Estate With A Bank Loan](https://www.dumbfunded.co.uk/guides/best-preparations-to-make-when-investing-in-real-estate-with-a-bank-loan/) - To enjoy a comfortable future, investments must be your top priority, whether from your savings or a loan borrowed from the bank. Having an investment will offer you a stable and an additional source of income, fund your retirement plans or rescue you from a financial jam that may make you scramble for income. With
- [Securing The Ultimate Commercial Property For Your Business](https://www.dumbfunded.co.uk/guides/securing-the-ultimate-commercial-property-for-your-business/) - You're going to need to make many decisions during your time as a business owner. One of the ones you may not have considered is that you need to think about commercial property. Finding a good commercial property on a tight budget is not easy. But, you can do it if you take into account
- [The Frugal Startup Guide: Set Up Business On A Budget](https://www.dumbfunded.co.uk/guides/the-frugal-startup-guide-set-up-business-on-a-budget/) - Are you thinking about starting your own business? You're not alone. The number of UK startups continues to rise year on year, and this trend looks set to continue despite a volatile political environment. Fears of an unstable post-Brexit era have done little to dampen entrepreneurs' desire to "be their own boss" — the number
- [Millennials, Motors And Mis-Sold Finance: Could You Be Owed A PCP Refund?](https://www.dumbfunded.co.uk/cars/millennials-motors-and-mis-sold-finance-could-you-be-owed-a-pcp-refund/) - For many millennials, car ownership has been shaped by flexibility, technology and cost-conscious decisions. With rising living costs and changes in work-life balance, Personal Contract Purchase (PCP) agreements have become a popular way to access vehicles without the burden of full ownership. But what if the convenience came with an invisible catch? Over the past
- [Tax-Efficient Investing: Integrating ISAs, SIPPs, And GIA Accounts](https://www.dumbfunded.co.uk/investing/tax-efficient-investing-integrating-isas-sipps-and-gia-accounts/) - Individual Savings Accounts (ISAs), Self-Invested Personal Pensions (SIPPs), and General Investment Accounts (GIAs) are all great options for tax-efficient investing. They share a range of similarities, so you might consider opening just one account. However, the tax benefits differ massively between ISAs, SIPPs, and GIAs, which makes it worthwhile to open and contribute to more
- [Open A Retail Store With Three Top Tips](https://www.dumbfunded.co.uk/guides/open-a-retail-store-with-three-top-tips/) - Starting a business can be appealing for more than a few reasons. That's especially true when you want to open a retail store. When done right, you could make a decent income and quite a bit of profit out of it. But, you'll need to be prepared for what's involved. As overwhelming as the process
- [Top Tips For Keeping Your Staff Safe In The Business Premises](https://www.dumbfunded.co.uk/guides/top-tips-for-keeping-your-staff-safe-in-the-business-premises/) - Staff safety is important when it comes to your business. You want to ensure that any staff member stepping into the workplace feels a sense of ease and comfort. This is a place after all, that your staff spends a lot of their week at and therefore it needs to feel safe. With that being
- [3 Things To Do Before You Get a Business Loan](https://www.dumbfunded.co.uk/business/finance/3-things-to-do-before-you-get-a-business-loan/) - A business loan can be beneficial to business owners who need to make a large purchase or grow their business in some way. However, you will be required to repay your business loan with added interest. So, knowing what you are getting into before applying for a business loan is essential. This article will explore
- [Which Gold Coin Collection Should I Choose To Invest In?](https://www.dumbfunded.co.uk/investing/which-gold-coin-collection-should-i-choose-to-invest-in/) - Investing in gold is recommended to hedge against volatility and inflation. It is an excellent tool because it isn't subject to capital gains tax. Also, there is always a market for this metal. However, it isn't enough to invest in gold. There are differences you should note before investing. Gold coins differ in so many
- [Opening Your Very Own Coffee Shop: Essential Expenses And How To Keep Them Low](https://www.dumbfunded.co.uk/guides/opening-your-very-own-coffee-shop-essential-expenses-and-how-to-keep-them-low/) - The allure of running a coffee shop is undeniable. For many, the dream of serving bespoke brews, indulging in casual chit-chats, and enjoying the comforting aroma of freshly ground beans is hard to resist. However, diving into the café business involves much more than mere passion; it requires a keen understanding of the inherent costs
- [The Benefits Of Professional Corporate Travel Management Services](https://www.dumbfunded.co.uk/travel/the-benefits-of-professional-corporate-travel-management-services/) - Thinking about whether or not to hire a corporate travel management service to help you achieve your business goals? Businesses that require well-defined procedures and tracking should work with a corporate travel service. It requires more time and energy to approve, track, and reconcile business travel for a large number of employees. This could provide
- [A Guide To Job Advertising In The UK](https://www.dumbfunded.co.uk/business/a-guide-to-job-advertising-in-the-uk/) - In today's digital age, advertising a job vacancy is more than just posting an ad and waiting for applications to roll in. With over 2,000 job sites in the fragmented UK market, it's crucial to make informed decisions to find the ideal candidate. This guide aims to provide you with the insights you need to
- [Achieving Financial Wellness Through Holistic Financial Planning](https://www.dumbfunded.co.uk/personal-finance/achieving-financial-wellness-through-holistic-financial-planning/) - Financial success is a multi-faceted journey that extends beyond the confines of accumulating wealth in savings or investments. It encompasses a holistic approach that delves into various aspects like efficient debt management, meticulous planning for retirement, understanding and investing in the right insurance policies, and maintaining mental equilibrium when faced with critical financial decisions. The
- [8 Ways To Maximise Your Isa Allowance In The New Tax Year](https://www.dumbfunded.co.uk/personal-finance/8-ways-to-maximise-your-isa-allowance-in-the-new-tax-year/) - The April 5th tax deadline for ISA allowances has passed, but it's still worth looking at all the ways you can make the most of your tax efficiency in the new financial year. The £20,000 ISA allowance remains one of the most effective ways for UK residents to save money without paying tax on the
- [How To Find Affordable Car Finance With Bad Credit ](https://www.dumbfunded.co.uk/cars/how-to-find-affordable-car-finance-with-bad-credit/) - Did you know that 9 out of 10 cars currently driving on UK roads are part of a finance deal? In recent years, finance has become a popular way for people to drive a new car that they perhaps they would have been able to afford without borrowing the money. When you apply for finance
- [Socially Distanced Side Hustles](https://www.dumbfunded.co.uk/careers-employment/socially-distanced-side-hustles/) - If you've got a computer, an internet connection and a web cam then there are plenty of ways you can make money this year while still following the government's social distancing guidelines and regulations. Technology like Zoom means it's possible to meet face-to-face without ever needing to be in the same room. Why not use
- [Junior ISAs VS Adult ISAs: Similarities And Differences](https://www.dumbfunded.co.uk/guides/junior-isas-vs-adult-isas-similarities-and-differences/) - If you are starting to think about your child's financial future, you could open a Junior ISA (JISA) in their name or an Adult ISA in your name. Both offer valuable opportunities for savings and investments. However, understanding the similarities and differences between these two types of ISAs is crucial for making the best decision
- [Top 6 Mistakes People Make When Signing A Car Finance Deal](https://www.dumbfunded.co.uk/cars/top-6-mistakes-people-make-when-signing-a-car-finance-deal/) - Only those who have relied on public transport know how tough it can be. Buses or trains can be exhausting and unreliable, while Uber or taxi rides can quickly become too expensive. You're always running late to appointments, dealing with someone blaring loud—and terrible—music next to you, or walking miles just to get to the
- [Is It Easier To Sell A House If It Is Empty?](https://www.dumbfunded.co.uk/guides/is-it-easier-to-sell-a-house-if-it-is-empty/) - When you're preparing to sell your home, one of the key decisions you need to make is whether to show it as-is, partially staged, or empty. There's a lot of debate about whether an empty house is easier to sell or whether it's better to stage the property with furniture and décor to give buyers
- [Mastering Your Budget In The UK: A Practical Guide](https://www.dumbfunded.co.uk/guides/budgeting/mastering-your-budget-in-the-uk-a-practical-guide/) - Getting a handle on your budget is one of the best steps you can take to take control of your finances. Whether you're aiming to save for a holiday, pay off debt, or simply keep your spending in check, a solid budget is key. Here's a straightforward approach to effective budgeting in the UK. For
- [5 Ways To Pay Less Inheritance Tax](https://www.dumbfunded.co.uk/guides/5-ways-to-pay-less-inheritance-tax/) - Whether you like it or not, life has a predictable outcome – we're all going to die at some point. What you leave behind may be subject to inheritance tax before anything is passed on to your heirs depending on the value of your 'estate'. Official calculations of the net worth of your estate take
- [6 Reasons You Should Take Out Life Insurance](https://www.dumbfunded.co.uk/insurance/6-reasons-you-should-take-out-life-insurance/) - You never know when life will throw you a curveball. Whether it's an unexpected event, sudden illness, or tragic accident, the last thing you want to worry about is money. You might think that there is no need for life insurance because you are young and healthy. But what if something happens tomorrow? This article
- [How To Write A Letter To Your Creditors](https://www.dumbfunded.co.uk/personal-finance/how-to-write-a-letter-to-your-creditors/) - When debts start to mount up around you it's easy to feel like you don't have any options, or that nobody is on your side. Without a payment plan in place or any idea how to get creditors off your back, you might even be considering last-resort options like insolvency or bankruptcy. These are certainly
- [4 Forgotten Ways To Promote Your Small Business](https://www.dumbfunded.co.uk/guides/4-forgotten-ways-to-promote-your-small-business/) - It's not that you're anti-social. In fact, leveraging social media is a great way to ensure that you target your audience with laser focus. This can be much more effective than the traditional "spray and pray" approach to marketing ensuring that your message is heard by those who need to hear it the most. Still,
- [How To Pass AML And KYC Checks: History, Tips And Curious Cases](https://www.dumbfunded.co.uk/business/how-to-pass-aml-and-kyc-checks-history-tips-and-curious-cases/) - AML (Anti-Money Laundering) and KYC (Know Your Customer) are not just boring formalities, but real pillars on which the security of the entire financial system rests. Yes, these checks may seem like a headache at times, but trust us, their importance is undeniable. In this article, we will not only look into how and why
- [Protecting Your Finances: Essential Legal Advice For Managing Personal Wealth](https://www.dumbfunded.co.uk/personal-finance/protecting-your-finances-essential-legal-advice-for-managing-personal-wealth/) - Managing personal wealth effectively requires not only sound financial practices but also a clear understanding of the legal frameworks that protect your finances. Whether you are looking to safeguard your assets, plan for the future, or navigate complex financial regulations, seeking professional legal advice is crucial. For those in the Gloucester area, expert legal advice in
- [How To Stop Modern Technology From Draining Your Business Finances](https://www.dumbfunded.co.uk/guides/how-to-stop-modern-technology-from-draining-your-business-finances/) - As a general rule, modern technology is seen as beneficial for businesses of all sizes. New software applications or hardware inventions have allowed companies to improve many aspects of their work. Technology speeds processes up and can provide you with cost-effective solutions to many of your problems. Unfortunately, too many businesses spend far too much
- [What Are My Options If I Am In Debt?](https://www.dumbfunded.co.uk/personal-finance/what-are-my-options-if-i-am-in-debt/) - Debt can be a significant source of stress and financial burden for individuals and households. Whether it's credit card debt, medical bills, student loans or other financial obligations; almost 77% of American households carry some form of debt. When repayments become a challenge however, being in debt can become overwhelming for many. Fortunately, there are
- [Top 6 Office Design Trends for 2024](https://www.dumbfunded.co.uk/guides/top-6-office-design-trends-for-2024/) - Understanding the Impact of the Global Pandemic on Office Design The global pandemic has left a lasting imprint on office design, prompting significant shifts in how workspaces are conceptualised and utilised. The profound changes brought about by COVID-19 have accelerated existing trends while inspiring innovative approaches that prioritise health, safety, flexibility, and well-being in office
- [How Businesses Can Take the Personal Finance Initiative](https://www.dumbfunded.co.uk/personal-finance/how-businesses-can-take-the-personal-finance-initiative/) - Personal finance isn't typically thought of as in the purview of businesses – after all, it's a 'household budget'; the clue's in the name. And besides, companies are in the business of making money, not helping people save. But there are some steps that any professional company, big or small, can take to help out
- [Milwaukee Packout: Elevating Organisation And Efficiency On The Job Site](https://www.dumbfunded.co.uk/guides/milwaukee-packout-elevating-organisation-and-efficiency-on-the-job-site/) - In the bustling world of construction and trade, efficiency is paramount, and organisation is king. Enter Milwaukee Packout, a revolutionary modular storage system designed to streamline workflow, enhance productivity, and protect valuable tools and equipment on the job site. With its innovative design, rugged durability, and unparalleled versatility, Milwaukee Packout is setting new standards for
- [Cryptocurrencies To Invest In? (2021 Edition)](https://www.dumbfunded.co.uk/investing/cryptocurrencies-to-invest-in-2021-edition/) - There are so many cryptocurrencies on the market today. This once small piece of technology has grown into an entire blockchain industry. With countries adopting the methodology and the digital currencies becoming more mainstream, many investors are wonder where they should invest. Four Cryptocurrencies to Consider Let's look at three cryptocurrencies and why you should
- [How To Combat Financial Stress](https://www.dumbfunded.co.uk/personal-finance/how-to-combat-financial-stress/) - We are living in challenging times. Heightened household costs have accompanied historic wage stagnation, while other key life milestones like homeownership have been effectively priced out of many people's budgets. It should come as no surprise, then, that over half of UK adults have felt more anxious and stressed as a result of their financial
- [What Are The Benefits Of Equity Release?](https://www.dumbfunded.co.uk/personal-finance/home-equity/what-are-the-benefits-of-equity-release/) - Equity release is a financial option that has gained significant traction among homeowners, especially those in their later years. At its core, equity release allows homeowners to unlock the value tied up in their property, providing them with a lump sum or a steady stream of income while still enabling them to continue living in
- [Should You Sell Your Property Tenanted or Vacant?](https://www.dumbfunded.co.uk/guides/should-you-sell-your-property-tenanted-or-vacant/) - Considering selling a tenanted property? This decision is crucial for your real estate success. We dig into the pros and cons of selling properties tenanted or vacant, providing insights into different investor needs and market scenarios. Envision a selling process that aligns with your goals, whether it's maximising returns or simplifying the process. Read on
- [How To Improve Your Company's Online Security](https://www.dumbfunded.co.uk/guides/how-to-improve-your-companys-online-security/) - Cyber attacks can have serious consequences on any business. According to a recent study, a staggering 43% of cyber-attacks target small businesses. This contradicts the common belief that smaller businesses are protected over bigger, well-known companies because of their comparatively smaller size and customer bases. As such, now is the perfect time to upgrade your
- [AI Trading: How It's Used in Different Markets](https://www.dumbfunded.co.uk/technology/ai-trading-how-its-used-in-different-markets/) - Over the past few years, AI has evolved more than ever before, with its most prominent application in trading across various markets. Thanks to algorithmic trading and machine learning capabilities, AI has significantly streamlined numerous routine processes, opening the doors to 24/7 trading and increasing the chances of traders for substantial profits. With its productivity
- [Mastering Diversification In Institutional Cryptocurrency Asset Management](https://www.dumbfunded.co.uk/investing/mastering-diversification-in-institutional-cryptocurrency-asset-management/) - In the ever-evolving realm of crypto assets, institutional investors increasingly turn to diversified strategies. This is to navigate the complexities and seize opportunities within the institutional trading crypto landscape. We've detailed a comprehensive guide, emphasising the critical role of diversified crypto asset management for institutions. Diversification Strategies for Institutional Investors Institutions recognise the need to
- [I'm Getting Divorced - What Should I Do About My Mortgage?](https://www.dumbfunded.co.uk/personal-finance/im-getting-divorced-what-should-i-do-about-my-mortgage/) - With the current cost-of-living increases and high interest rates, affordable mortgages are a key concern for many homeowners. This is also true for couples who are going through or are about to go through a divorce and are wondering how this will affect the arrangements they have in place. The fact is, many divorcing couples
- [2020 List Of The Top Property Management Companies – A Complete Guide To Finding The Right One](https://www.dumbfunded.co.uk/guides/list-of-the-top-property-management-companies-a-complete-guide-to-finding-the-right-one/) - Finding the top property management companies in the UK for 2020 was no easy task. If you're a landlord or investor looking for a reliable property manager to help you handle rental properties it can be tricky to know what you're looking for. There are so many different companies out there who can talk a
- [Post Office Banking: The Advantages And Disadvantages](https://www.dumbfunded.co.uk/banking/post-office-banking-the-advantages-and-disadvantages/) - With 53% of UK bank branches closing between 1989 and 2016, some banking customers have started seeking alternatives to traditional banking – from managing finances exclusively online to saving their money at home. A report from the Lords Financial Exclusion Committee last week claimed that around 1.7 million people do not have a bank account,
- [What Do I Need To Know Before I Start Forex?](https://www.dumbfunded.co.uk/trading/what-do-i-need-to-know-before-i-start-forex/) - Forex trading requires tutelage and mentorship, especially for beginners. There are a number of things you need to know before you embark on Forex trading. The mistake most beginners make is that they focus on learning how to trade via videos and don’t engage in practical learning or mentoring. With a mentor in the Forex
- [Should You Remortgage Before The End Of 2023?](https://www.dumbfunded.co.uk/personal-finance/should-you-remortgage-before-the-end-of-2023/) - It's no secret that mortgage rates have been a tumultuous topic of conversation in the financial world in 2023. There have been hiked interest rates for several years in a row now, but what is the next step with regard to mortgages in the coming months? There isn't much scope for rates to creep any
- [How The New Budget Affects Your Personal Finances](https://www.dumbfunded.co.uk/personal-finance/how-the-new-budget-affects-your-personal-finances/) - The Government's new budget is hardly an exciting topic, but if you care about your finances (and I'm assuming that if you're reading this blog then you do), understanding the new budget and the key changes is a good idea. In this post I am going to talk about the key points in the budget
- [Time To Hire? Best Practices To Find The Best Candidate](https://www.dumbfunded.co.uk/business/time-to-hire-best-practices-to-find-the-best-candidate/) - Hiring the right people is essential for any company's success, and it is often said that a company's most important asset is its employees. However, finding the right people for your organisation can be a challenging and time-consuming process, and hiring the wrong people can have significant consequences. In this article, we will discuss some
- [10 Different Options If You Miss A Mortgage Payment](https://www.dumbfunded.co.uk/personal-finance/10-different-options-if-you-miss-a-mortgage-payment/) - Missing a mortgage payment can be distressing, especially for homeowners who pride themselves on punctuality. However, life sometimes throws curveballs that can derail even the most meticulous financial planners. If you find yourself in such a predicament, remember that there are multiple routes you can take. In this article, we'll explore your options if you
- [Key Differences: Investment Manager VS. Financial Advisor](https://www.dumbfunded.co.uk/personal-finance/key-differences-investment-manager-vs-financial-advisor/) - Navigating the world of finance can be complex, especially when trying to decide who to trust with your money. Two terms often come up in this realm "investment manager" and "financial advisor." While they might seem interchangeable to an untrained ear, there are critical distinctions between the two. This article will explore the key differences
- [How To Save Big On Adventure Sports: Your Wallet-Friendly Guide](https://www.dumbfunded.co.uk/guides/how-to-save-big-on-adventure-sports-your-wallet-friendly-guide/) - Hello there, adventurers! If the mere thought of skydiving, white-water rafting, or any outdoor thrill makes your heart race, but the pricing cools down your enthusiasm, you're not alone. The good news is, that you can still catch that adrenaline rush without having your wallet feel the pinch. So let's get started; it's time to
- [Trustworthiness and Security: OANDA Broker Review For Peace Of Mind](https://www.dumbfunded.co.uk/trading/trustworthiness-and-security-oanda-broker-review-for-peace-of-mind/) - Established in 1996, OANDA is a multi-award winning, international broker. The prestigious broker caters to customers from 196 different countries, providing them with competitive trading accounts. Oanda's no-minimum-deposit web platform, premium currency products and services, and user-friendly interface have made it a popular choice among both novice and seasoned traders. In addition to the FCA,
- [9 Crypto Investing Mistakes And How To Avoid Them](https://www.dumbfunded.co.uk/investing/9-crypto-investing-mistakes-and-how-to-avoid-them/) - The prospect of high returns can lure many to test their fortunes in the cryptocurrency sphere. Yet, imagine if your success wasn't solely reliant on chance, but instead on your commitment to enhance your skills as a crypto investor. This article highlights some typical blunders that investors often face during their ventures. While it doesn't
- [TSB Launches Fraud Refund Guarantee](https://www.dumbfunded.co.uk/news/tsb-launches-fraud-refund-guarantee/) - Earlier this month, TSB notified their members of a policy that makes them the first UK bank to offer a comprehensive fraud refund, regardless of the type of fraud that takes place. While there are already protections in place to ensure that defrauded consumers can get their money back in some circumstances, there have been
- [Visit California And Experience Wines Like No Other](https://www.dumbfunded.co.uk/guides/visit-california-and-experience-wines-like-no-other/) - California, known affectionately as the "Golden State", is more than just a haven for stunning landscapes and diverse culture; it's also home to some of the world's most acclaimed wine regions. What sets Californian wines apart is not just the sunshine, but the unique terroirs and meticulous craftsmanship that produce wines like no other. In
- [How You Can Effectively Work With Supply and Demand](https://www.dumbfunded.co.uk/guides/how-you-can-effectively-work-with-supply-and-demand/) - Supply and demand is one of those things you hear about a lot when you set up a business. Simply put, it refers to the balance between what the customer wants and what you can provide. If there is much more supply than there is demand, then your business will have too much competition to
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- [Are You Overpaying On Your Energy Bills?](https://www.dumbfunded.co.uk/personal-finance/are-you-overpaying-on-your-energy-bills/) - New rules being introduced by UK energy regulator Ofgem should make it harder for energy companies to overcharge customers, in an effort to reduce some of the pressure on UK households. At the moment, it's very common for energy companies to overcharge customers – particularly during the hotter months when less is being spent to
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- [Energy Price Cap Set To Reach £3,300 In The UK – What Happens Next?](https://www.dumbfunded.co.uk/personal-finance/energy-price-cap-set-to-reach-3300-in-the-uk-what-happens-next/) - The key driver of UK inflation is rising energy bills and the soaring price cap, as Russia's prolonged invasion of Ukraine continues to impact on the supply of gas on a global scale. This in part caused inflation in the UK to peaked at a whopping 10.1% in July, as the price of food, drink,
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- [New Money Saving Expert App: Money Saving At Your Fingertips](https://www.dumbfunded.co.uk/personal-finance/new-money-saving-expert-app-money-saving-at-your-fingertips/) - We make no secret of our appreciation of financial guru Martin Lewis, whose no-nonsense, down to earth advice on the Money Saving Expert site has made him many people's go-to source of wisdom for day-to-day money matters. So we were excited to hear about the new Money Saving Expert app, which offers all of their
- [How To Improve Your Credit Score](https://www.dumbfunded.co.uk/personal-finance/how-to-improve-your-credit-score/) - Your credit score can affect your life more than you think. Having a high score can make all of the difference in the world when it comes to getting approved for a personal loan, a credit card, or another line of credit. Not to mention, if your score is on the higher side of the
- [What Is HR, And Why Does Your Business Need It?](https://www.dumbfunded.co.uk/business/what-is-hr-and-why-does-your-business-need-it/) - Human Resources, or HR, is a commonly misunderstood discipline within the world of business – both by employees and new businesses. There are even those that believe HR to be a redundant career path, and an unnecessary business expense. However, nothing could be further from the truth. Here, we will attempt to dismantle the misconceptions
- [Product Safety & Its Implications](https://www.dumbfunded.co.uk/guides/product-safety-its-implications/) - Whatever kind of business you run, at the end of the day if you have a product out there in customers’ hands, you need to make sure that it is as safe as possible to use. If it is not, or if there are any specific problems with it that make it less than perfectly
- [Three Ways To Slash Your Mobile Phone Costs](https://www.dumbfunded.co.uk/technology/three-ways-to-slash-your-mobile-phone-costs/) - If you want to be part of the modern world, having a smartphone is almost as essential as food and shelter. It provides instant access to online information, gives you a pocket-sized camera for capturing events and keeps you connected with the people you care about. This is how many people justify pricy monthly contacts
- [The 4 Implications Of Cutting Your Business Finances Too Much](https://www.dumbfunded.co.uk/guides/the-4-implications-of-cutting-your-business-finances-too-much/) - Regardless of your business's stature, the risks of cutting too many financial corners are prominent. Companies face pressures to generate new ways of earning money and make things more streamlined. However, in trying to streamline efforts, companies can start to hack away at much more than meets the eye. Cutting finances has a number of
- [Could You Benefit From A 'Mid-life Mot'?](https://www.dumbfunded.co.uk/personal-finance/could-you-benefit-from-a-mid-life-mot/) - How do you feel about your finances? Whether it's debt that needs paying or a lack of pension funds, most of us go into middle-age with at least a couple of financial issues that need some tuning up. To help keep our financial engines running smoothly, the government have introduced what's known as the 'mid-life
- [Just What Does CCTV Stand For? 101 Investigation](https://www.dumbfunded.co.uk/technology/just-what-does-cctv-stand-for-101-investigation/) - CC stands for closed-circuit television and is used worldwide as a safety and monitoring tool. This article will look at what CCTV stands for and its use in various countries and its use in the United Kingdom. CCTV differs from the TV you see in your favourite soap in that it does not send a
- [How To Make Your Business Premises More Comfortable To Employees and Visitors](https://www.dumbfunded.co.uk/guides/how-to-make-your-business-premises-more-comfortable-to-employees-and-visitors/) - Running a business is hard work, and it's important to make your office as comfortable as possible so that both your employees and customers feel at ease. This blog post will discuss some tips on how to make your office more comfortable for everyone who visits! Focus on the lighting in your office Make sure
- [The Top Five Tips for Recruitment Processes](https://www.dumbfunded.co.uk/guides/the-top-five-tips-for-recruitment-processes/) - The recruitment process can be difficult for companies, especially when it comes to finding the right candidate for the job. There are a lot of things to consider, such as the company culture and the skills required for the position. This blog post will discuss four tips to help make hiring easier for companies. 1)
- [Three Legal Considerations For Starting Your Own Business](https://www.dumbfunded.co.uk/business/three-legal-considerations-for-starting-your-own-business/) - Ready to be your own boss, set your own schedule and start posting deep words of wisdom on LinkedIn? If you've got a good idea and plenty of drive, starting your own business can be a great way to take control of your life and start building your own little kingdom. Starting up a business
- [Before You Start A Trade Business – What Do You Need To Know?](https://www.dumbfunded.co.uk/guides/before-you-start-a-trade-business-what-do-you-need-to-know/) - There has been a lot of talk regarding office jobs and working from home since many workers lives changed during the pandemic. But not everyone is looking for an office job, as they find a trade career pathes more suitable. Working within a trade is an incredible lucrative career path, and a vocation which can
- [Pros And Cons Of Cheap Car Insurance](https://www.dumbfunded.co.uk/cars/pros-and-cons-of-cheap-car-insurance/) - The cost of living especially petrol and diesel is causing many to look at their budget and see where they can make savings. If you are still having to commute to work, then on top of fuel for your car, MOT and road tax, you also need to consider car insurance. Although there are a
- [What Will Inflation Mean For Food Prices?](https://www.dumbfunded.co.uk/guides/what-will-inflation-mean-for-food-prices/) - Inflation rates are at an all time high, impacting the cost of everyday goods and services. Food prices are at reportedly some of the highest levels in decades, worsened still by the ongoing war in Ukraine. It is expected that food prices will stay high across the rest of 2022 and could have a detrimental
- [Top 5 Long-Term Investing Tips And Tricks](https://www.dumbfunded.co.uk/investing/top-5-long-term-investing-tips-and-tricks/) - Want to get more from your long term investments? Then read on and learn how to do just that. 1. Set Goals And A Timeline Whatever your main goals are, it is crucial to determine how long you wish to invest and when you'd want to pull your money. You thus need to outline what
- [How To Increase The Value Of Your Home](https://www.dumbfunded.co.uk/guides/how-to-increase-the-value-of-your-home/) - With the housing market currently booming, and many properties going for over the asking price – many homeowners are considering if now is the right time to sell their homes. If you are considering selling your home, there are various changes you can make that will have a significant impact on the value of your
- [How To Save Time By Automating Your Online Marketing](https://www.dumbfunded.co.uk/guides/how-to-save-time-by-automating-your-online-marketing/) - Digital marketing is vital to your business, yet particularly when it comes to social media, we can find it taking over our lives. If you've ever found yourself living in reaction to social media pings, like Pavlov's Dogs, jumping to attention each time you hear a "ding" from a notification… it's time to take a
- [New Interest-Free Loan Scheme Aims to Help Those With Lower Incomes](https://www.dumbfunded.co.uk/personal-finance/new-interest-free-loan-scheme-aims-to-help-those-with-lower-incomes/) - It can be difficult to get a loan when you're on a low income, as banks are reluctant to lend to those who don't pass stringent affordability tests. Even if you do get accepted, high levels of interest can take a struggling household's finances from bad to worse. However sometimes the money from a loan
- [How Can Equity Release Help Your Family Financially?](https://www.dumbfunded.co.uk/guides/how-can-equity-release-help-your-family-financially/) - Not only is the cost-of-living crisis continuing to rage in the UK, but it's looking like it could get worse before it gets better. Not only is inflation set to reach double figures by the autumn, for example, but the Bank of England (BoE) has also suggested that the UK's economy is likely to weaken
- [4 Simple Tips On How To Improve Your Landscaping Business](https://www.dumbfunded.co.uk/guides/4-simple-tips-on-how-to-improve-your-landscaping-business/) - Once your landscaping business is up and running, of course, you will want it to grow. You can do many things to rapidly start improving your business operations, attract new customers and improve profits. This kick-start will take some effort to start producing the growth you want. To help you along the way, here are
- [How To Get Your Pub Ready For Summer](https://www.dumbfunded.co.uk/guides/how-to-get-your-pub-ready-for-summer/) - Long, hot summer days mean one thing for a lot of people – a trip to the beer garden! Summer 2022 is set to be the first in a few years that the UK will enjoy without any lingering COVID-19 restrictions, and it could be a bumper season for landlords and publicans up and down
- [Tips For Finding The Right IT Provider For Your Business](https://www.dumbfunded.co.uk/guides/tips-for-finding-the-right-it-provider-for-your-business/) - It can be challenging to know where to start when looking for an IT provider for your business. With so many options available, it can be hard to determine which provider is the best fit for your needs. The following blog will provide you with tips for finding the right IT provider for your business.
- [Ways To Ease The Workload When Running A Small Business](https://www.dumbfunded.co.uk/guides/ways-to-ease-the-workload-when-running-a-small-business/) - Running a small business with a small team can certainly be challenging. There's so much to do, and a lot of that work will likely fall on your shoulders. So how can you keep the business moving in the direction you want it to go in while also easing your workload? It's certainly a tough
- [9 Of The Easiest Methods To Cut Costs At Your Business](https://www.dumbfunded.co.uk/guides/9-of-the-easiest-methods-to-cut-costs-at-your-business/) - There's never been a more critical time to think about ways to cut costs at your business. Coming out of COVID and straight into the catastrophe of the Ukrainian war means the "cost of living" crisis we knew was coming has been made even worse. However, there are some practical ways you minimise energy costs
- [4 Ways To Grow Your Small Business In Summer 2022](https://www.dumbfunded.co.uk/business/4-ways-to-grow-your-small-business-in-summer-2022/) - If you've established a small business, then you've achieved something that most people only dream of. But, having got this far, you'll want to make sure that you can grow and nurture your fledgeling enterprise in a way that's going to set it up for success in the long-term. Summer tends to present several different
- [5 Things You Need To Expand Your Business Globally](https://www.dumbfunded.co.uk/guides/5-things-you-need-to-expand-your-business-globally/) - As the world becomes more connected, businesses are increasingly looking to expand their operations into new markets. But going global is not a simple task. There are many factors to consider, from language barriers to cultural differences. The good news is you can find out what these factors are below. A Strong Brand If you
- [These Strategies Will Help You To Make Your Business More Energy Efficient](https://www.dumbfunded.co.uk/guides/these-strategies-will-help-you-to-make-your-business-more-energy-efficient/) - Do you want to save money every month for your business? If so, then you have come to the right place. This guide will help you to make the most out of your day to day operation, while also giving you some useful tips that will help you to cut down on the monthly bills
- [Managing Startup Costs: A Guide For Budding Entrepreneurs](https://www.dumbfunded.co.uk/guides/managing-startup-costs-a-guide-for-budding-entrepreneurs/) - Statistics indicate that up to 1 in 5 new businesses fail every year in the UK. Cash flow issues are among the most common causes. Managing money is a challenge for many aspiring entrepreneurs. If you are preparing to launch a business, or you have recently set up a company, this guide contains useful tips
- [4 Top Tips For Renewing Your Work Visa In The UK](https://www.dumbfunded.co.uk/guides/4-top-tips-for-renewing-your-work-visa-in-the-uk/) - Renewing your work visa can feel like a daunting situation, but there are many ways to make the process run smoothly and without any problems. In this article, we're going to discuss four top tips for renewing your work visa in the UK. There are so many different types of work visa options available for
- [Can Your Business Cope With Rising Energy Costs?](https://www.dumbfunded.co.uk/business/can-your-business-cope-with-rising-energy-costs/) - Recent news about rising bills and help from the government has tended to focus on individual households – but what should you do if you're struggling to pay the costs for your small business? Offices can guzzle up a lot of gas and electricity, as there is more space to heat and lots of appliances
- [What to Check When Buying A Car From A Private Seller ](https://www.dumbfunded.co.uk/guides/what-to-check-when-buying-a-car-from-a-private-seller/) - Buying a used car from a private seller? This can be a great way to make savings on a vehicle, but it is important that you know what to check so that you can avoid common scams and ensure that you are getting a high-quality vehicle. When you know how to navigate the private used
- [6 Ways To Make Your Online Retail Store More Efficient](https://www.dumbfunded.co.uk/guides/6-ways-to-make-your-online-retail-store-more-efficient/) - The eCommerce world is constantly evolving. As a result, online retailers must continuously adapt in order to remain competitive. Fortunately, there are a number of ways to make your online retail store more efficient. By streamlining your processes and taking advantage of the latest technology, you can keep your business running like a well-oiled machine.
- [Are Online Banking Apps secure?](https://www.dumbfunded.co.uk/apps/are-online-banking-apps-secure/) - Most people nowadays use different apps on their smartphones for all kinds of purposes. This also includes online banking apps. They have become a very common way to manage finances and carry out fast payments from one account to another. We use smartphones and their apps all the time now. Since more and more things
- [How To Be A More Responsible Business Owner](https://www.dumbfunded.co.uk/guides/how-to-be-a-more-responsible-business-owner/) - Being a business owner isn't just about selling items and making a profit. If you want to have a good reputation and find more success then you should also work on being a better person and professional. This advice will guide you in knowing how to be a more responsible business owner. This way you
- [Key Costs Associated With Buying A House](https://www.dumbfunded.co.uk/guides/key-costs-associated-with-buying-a-house/) - Buying a house for the first time or even moving to a different home is an extremely exciting process. Getting your foot on the property ladder or progressing up is a significant life event and one that many look forward to. However, it comes at a cost and quite a substantial one at that. Years
- [What You Need To Know If You're Moving To Singapore For Work](https://www.dumbfunded.co.uk/guides/what-you-need-to-know-if-youre-moving-to-singapore-for-work/) - A social melting pot that combines a stunning food culture with life at the razor's edge of technological innovation, it's little surprise that Singapore is a favourite destination for many that look to work abroad. There’s plenty to like about the city-state that sits off the southern coast of Malaysia and has a population of
- [Will I or Won’t I?](https://www.dumbfunded.co.uk/personal-finance/will-i-or-wont-i/) - A shocking amount of adults in the UK have not written a will, and it is estimated that one third of adults pass away without making one. If you don't leave a will, then the law decides what happens to your possessions and money – aka your estate. The Importance of Writing a Will There
- [How Will Rising Interest Rates Affect You?](https://www.dumbfunded.co.uk/personal-finance/how-will-rising-interest-rates-affect-you/) - As inflation continues to rampage across the globe, central banks are reacting by implementing frequent and significant base interest rate hikes. In the US, for example, the Federal Reserve recently raised the base rate to 1%, its biggest increase in more than two years. In Australia, the central bank processed its first rate rise in
- [Five Frugal Purchases To Help You Save Money](https://www.dumbfunded.co.uk/personal-finance/five-frugal-purchases-to-help-you-save-money/) - Sometimes, you have to spend a little if you want to save a lot. Buying something that's high quality and genuinely useful can pay you back many times over – and is a great way to benefit from a little retail therapy in a more sustainable way. Here are five of our favourite purchases that
- [Why A Business Finance Course Could Be Your Best Investment](https://www.dumbfunded.co.uk/business/finance/why-a-business-finance-course-could-be-your-best-investment/) - Whatever your experience or current employment, taking a business finance course could be one of the best investments you ever make. Find out why. Why a business finance course could be your best investment Think about the last time you made an investment. Maybe you put money into stocks, shares, or property. Or maybe you
- [Guide For First-time Investors](https://www.dumbfunded.co.uk/guides/guide-for-first-time-investors/) - In 2022 more and more people have decided to change their lives by starting to invest their money instead of just saving it. Most people decide to take this new financial path to give their money the opportunity to increase over time and to ensure a more economically stable future. Although many think that investing
- [Concept Capital Group – The Start-Up That Housed Over 450 Individuals and Families](https://www.dumbfunded.co.uk/business/concept-capital-group-the-start-up-that-housed-over-450-individuals-and-families/) - Concept Capital Group is a Buy to Let provider that sells fully managed prefabricated homes, which are utilised to house people across the UK The UK currently stands amidst a housing crisis where around 1.4 million people are in dire need of secure and stable homes. As house prices rise at an increasing pace and
- [How To Be The Go-To Business For Your Target Market](https://www.dumbfunded.co.uk/guides/how-to-be-the-go-to-business-for-your-target-market/) - When you are targeting a specific market, it's essential to be the go-to business for that group. You want to be the first choice for consumers in your industry, and there are a few ways to make that happen. This blog post will discuss how to become the go-to business for your target market and
- [Save Money On Back To School Shopping: Back To School On A Budget](https://www.dumbfunded.co.uk/money-saving-3/back-to-school-on-a-budget/) - September is nearly upon us, and that means getting the kids ready for their return to school. It's an exciting time, but also an expensive one: once you've picked up the new uniform, sports kit, rucksack and stationery supplies, you'll probably have burnt quite a hole in your wallet. These tips should help budget-conscious parents
- [How Is My Council Tax Being Spent?](https://www.dumbfunded.co.uk/personal-finance/how-is-my-council-tax-being-spent/) - After the local elections and the tax rebate that's hitting bank accounts across the country, a lot of people are wondering what the council actually does with all that money you pay them. For many households, council tax is the most expensive monthly bill, second only to rent or mortgage payments. So it stands to
- [Money-saving myths debunked!](https://www.dumbfunded.co.uk/guides/money-saving-myths-debunked/) - With living costs rising at their fastest rate since 1992, the topic of savings is hot on everyone's lips. However, with so much information out there, it can be hard to cut the wheat from the chaff. That's why we've broken down some money myths below. Myth One: Budgeting doesn't work If you already keep track
- [Making Your Office A More Pleasant Environment](https://www.dumbfunded.co.uk/guides/making-your-office-a-more-pleasant-environment/) - Over the course of the pandemic, many businesses had the choice of shutting down or letting their staff work from home. This was logical, as it reduced the spread of the virus and saved countless lives. However, now that people are being vaccinated and immunity is increasing, many business owners are considering a return to
- [Outsourcing Tasks To Help Improve Your Business](https://www.dumbfunded.co.uk/guides/outsourcing-tasks-to-help-improve-your-business/) - Many tasks can be outsourced to help improve your business. By outsourcing these tasks, you can focus on the core activities of your business and increase your profitability. The following blog will discuss some of the tasks that can be outsourced to help you achieve success. It will also provide tips on selecting the right
- [An Investment In Employee Training Will Save Lots Of Money](https://www.dumbfunded.co.uk/guides/an-investment-in-employee-training-will-save-lots-of-money/) - Businesses are always looking for new ways to spend less money. The more money a company can save, the better it will be for profit margins. If your expenses are stupidly high, it puts added pressure on your sales figures. You might hit really good sales targets that seem excellent when viewed on their own.
- [Ways To Avoid Overspending When Running A Business](https://www.dumbfunded.co.uk/business/finance/ways-to-avoid-overspending-when-running-a-business/) - You should be wise in spending money on your business operations. You can't afford to blow up your expenses, or you will end up in huge debts. You should also not count potential profits since there's a good chance they won't come. Instead, find ways to reduce expenses, and these tips could help. Change your
- [Investing In An Electric Car: 6 Top Tips To Save Money And The Planet ](https://www.dumbfunded.co.uk/cars/investing-in-an-electric-car-6-top-tips-to-save-money-and-the-planet/) - Electric cars are skyrocketing in popularity, with many consumers turning to these cars as a cheaper alternative to vehicles powered by fossil fuels. The sustainable nature of electric vehicles, coupled with the significantly more affordable running costs, make electric cars hugely desirable. In addition, the UK government plans to ban the sale of new fuel-powered
- [Are You Being Underpaid?](https://www.dumbfunded.co.uk/careers-employment/are-you-being-underpaid/) - Are you happy with your monthly paycheque? Many people across the UK are being underpaid for the work that they do, with salary not matching up to expectations of the role, the level of responsibility, or the amount that other companies pay for similar roles. Here are three of the key reasons that you may
- [Could An Apprenticeship Kick Start Your Career?](https://www.dumbfunded.co.uk/careers-employment/could-an-apprenticeship-kick-start-your-career/) - If you've seen the news about student loan interest hitting an eye-watering 12%, you may be wondering whether a degree is really worth all that money. For many people the answer will be yes – after all, graduate level learning is key to securing many higher paying jobs, and can be a hugely rewarding experience.
- [Most Popular Tax Questions Asked Online](https://www.dumbfunded.co.uk/personal-finance/most-popular-tax-questions-asked-online/) - It is sometimes said that the only things that are certain in life are death and taxes. Whether we like it or not, we all pay tax on most of the financial exchanges we engage in. We pay taxes on our income, most of our consumption, our travel, and even our personal sales. So, with
- [3 Logistical Preparations For Shifting Business Premises](https://www.dumbfunded.co.uk/guides/3-logistical-preparations-for-shifting-business-premises/) - There are many reasons why a firm may decide to shift their premises from one building to another, either to grow or downsize or integrate new on-site functionality as part of their brand. Renewed office space for the integration of new departments as well as amenities for staff, or more factory space for the manufacturing
- [The Benefits Of Green Marketing](https://www.dumbfunded.co.uk/guides/the-benefits-of-green-marketing/) - Companies who are looking for new ways to attract customers and boost their bottom line may find that green marketing is a surprisingly effective tool. What is green marketing? It is the process of developing eco-friendly products and services, or improving current business practices to be more environmentally friendly and then focusing on that in
- [Spring Statement: Three Things It Means For Your Household](https://www.dumbfunded.co.uk/news/spring-statement-three-things-it-means-for-your-household/) - The annual Spring Statement is usually a pretty low-profile affair. But with the huge price-hikes currently affecting everything from energy bills to the weekly food shop, its no surprise that Chancellor Rishi Sunak felt the need to make some bigger policy announcements this year. With tax changes and a few other types of financial support
- [9 Tips To Improve The Value Of Your Commercial Property](https://www.dumbfunded.co.uk/guides/9-tips-to-improve-the-value-of-your-commercial-property/) - Commercial real estate can be a significant investment, but it's essential to make sure you're doing everything possible to maximise the value of your property. In this blog post, we'll discuss nine tips that will help you improve the value of your commercial property. Increase The Space To Rent One way to increase the value
- [4 Smart Money Moves To Make In Your Retirement](https://www.dumbfunded.co.uk/retirement/4-smart-money-moves-to-make-in-your-retirement/) - Retirement is supposed to be freeing, but unfortunately for many senior citizens that isn't often the case. In fact, Age UK has found that millions of older Brits are switching off their heating and limiting their energy consumption because they can't keep up with higher utility bills. Some even live off a daily diet of soup and
- [5 Tips For Getting Back Into Work After An Extended Absence](https://www.dumbfunded.co.uk/guides/5-tips-for-getting-back-into-work-after-an-extended-absence/) - A lot of people choose to take an extended break from working, and there can be various reasons, from caring for a loved one to becoming a stay-at-home parent to travelling. Whatever factors went into your decision to take a break, returning to work can feel like a challenge, and it can be an incredibly
- [Three Ways Self-Employed People Can Use Data To Get Ahead](https://www.dumbfunded.co.uk/business/three-ways-self-employed-people-can-use-data-to-get-ahead/) - Once you start working for yourself, its easy to catch the entrepreneurship bug. Suddenly, you're not snoozing the alarm clock and fantasising about holidays in the sun. You're waking up early, putting the hours in and dreaming about scaling up. One of the biggest challenges for self-employed people who want to make the step towards
- [7 Reasons Why You're Struggling To Get Your Side Hustle Off The Ground](https://www.dumbfunded.co.uk/guides/7-reasons-why-youre-struggling-to-get-your-side-hustle-off-the-ground/) - The last decade saw significant growth in the gig economy with platforms such as freelancer.com, Fiverr, and UpWork booming. With these freelance marketplaces operating globally, entrepreneurs have made the most of the freedom of cost-efficient outsourcing. Some skilled freelancers have generated significant income streams but others failed to make anything from their side hustle. In
- [How Will The Hiring Process Change In the Future?](https://www.dumbfunded.co.uk/business/how-will-the-hiring-process-change-in-the-future/) - Recruitment is about to undergo a transformation. The world is changing at a lightning speed, and we've seen a technological revolution. Recruitment has changed through time and now takes on a new shape. Before you can discuss how recruitment will evolve in the future, you must first understand the HR trends that will influence that
- [9 Important Tips To Maintain A Healthy Household Cash Flow](https://www.dumbfunded.co.uk/guides/9-important-tips-to-maintain-a-healthy-household-cash-flow/) - Are you currently sitting on a pile of bills with no solution to pay them off? Do you often run out of cash several days before payday? Then, you have come to the right place. The most important thing is to take full control of your finances. First, you should make a budget so that
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- [Securing Car Finance Without A Deposit](https://www.dumbfunded.co.uk/cars/securing-car-finance-without-a-deposit/) - Buying a car on finance can be a helpful way to spread the cost and make sure you've got a motor that suits your needs. But what should you do if you're struggling to get a loan, either due to lack of savings or a poor credit rating? Well, there are actually several options available
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- [The Smartest Way To Finance Your Car When Your Funds Are Low](https://www.dumbfunded.co.uk/cars/the-smartest-way-to-finance-your-car-when-your-funds-are-low/) - Cars are an essential part of everyday life for many, enabling commutes to and from work and school. If anything should happen to your car, and you're unable to fix or replace it, it can have a serious knock on effect. It’s therefore important to be able to get mobile as quickly as possible. Financing
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- [Three Incoming Price Hikes – And What To Do About Them](https://www.dumbfunded.co.uk/news/three-incoming-price-hikes-and-what-to-do-about-them/) - There has been a lot of recent talk about rising energy bills, but unfortunately these aren't the only prices set to increase over the coming months. We've heard that the cost of living is set to increase in several key areas, and knowing about these changes ahead of time can help you to prepare for
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- [Using Savings Pots To Manage Your Budget](https://www.dumbfunded.co.uk/guides/budgeting/using-savings-pots-to-manage-your-budget/) - A good budget needs to cover all of your planned spending, help you prepare for unexpected costs, and be simple enough to actually stick with it. It's that last point that can sometimes be the trickiest. While there are all kinds of detailed spreadsheets and clever bits of software out there, the task of inputting
- [The Untapped Power Of Advocacy To Drive Convenience Retail Footfall](https://www.dumbfunded.co.uk/guides/the-untapped-power-of-advocacy-to-drive-convenience-retail-footfall/) - As more and more choice drives UK customers to shop around, the pressure on convenience retailers to maintain and grow footfall is mounting. In fact, as they are a lifeline for local communities, many who have lost jobs looked to buy convenience stores and set up locally. Many of the factors contributing towards footfall are
- [How To Invest Money: Three Key Considerations](https://www.dumbfunded.co.uk/personal-finance/how-to-invest-money-three-key-considerations/) - If you want to have a chance of multiplying your money, eventually you're going to have to look towards investment. Traditionally favoured by richer folks as a way of boosting funds, recent developments such as the rise of bitcoin and the highly publicised GameStop investment story from the summer have led to a much wider
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- [5 Tips To Grow Your Start Up](https://www.dumbfunded.co.uk/guides/5-tips-to-grow-your-start-up/) - Running a startup is plenty of fun, but it's also lots of hard work. If you're looking to grow, but you're not quite sure how these five ideas will help you out. 1 . A great marketing campaign If you're keen to grow your startup, what you need is a solid marketing campaign. Marketing is
- [Creating an Internet Radio Station or Podcast in 2020 Mega Guide](https://www.dumbfunded.co.uk/guides/online-radio-station-podcast/) - 📻 How to Start an Internet Radio Station Have you always wanted to start an internet radio station but didn’t have the slightest clue where to start? Read on for our mega-guide to creating your very own internet radio station. Below we cover all the steps of creating an internet radio station, including: Why Start
- [5 Profit Optimisation Strategies for Your Travel Business](https://www.dumbfunded.co.uk/guides/5-profit-optimisation-strategies-for-your-travel-business/) - Profit optimisation is strategic management aimed at maximising a company's profit over the long term. So, even in bad or good times, your travel business must implement ways to optimise yield. And one of the best ways to achieve this is by increasing your business's profit margin. As a travel business owner, you are now
- [4 Things Every Business' Office Should Have](https://www.dumbfunded.co.uk/guides/4-things-every-business-office-should-have/) - There are many things that go into creating a successful company, but one of the most important is having the right office space. The best offices have certain features in common: they're well-lit and airy, with enough room for collaboration and private meetings. They also include ergonomic furniture such as desks, chairs, and plants to
- [8 Ways To Market Your Business: A Step-By-Step Guide](https://www.dumbfunded.co.uk/guides/8-ways-to-market-your-business-a-step-by-step-guide/) - How much money do you want to make? That is the question that many business owners ask themselves when deciding what to do with their website. If the answer is "a lot," you should focus on conversion rate optimisation strategies. Unfortunately, many businesses spend time increasing traffic to their website and fail to improve the
- [Financial Tips For Renting A Property](https://www.dumbfunded.co.uk/guides/financial-tips-for-renting-a-property/) - Around one in five people in the UK rent from a private landlord, and if you're part of that number then it's important to understand your rights and know how to protect yourself financially. Although it can sometimes seem like the chips are stacked in the landlord's favour, renters in the UK have quite a
- [5 Ways To Invest Your Money Online](https://www.dumbfunded.co.uk/guides/5-ways-to-invest-your-money-online/) - Looking to grow your money through investment? The internet has opened up an array of new opportunities that could be worth looking into. Here are just five ways to invest your money online. Set up an internet savings account Savings accounts are always the safest and most stable form of investment. Whilst you can always
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- [These 7 Unique Ideas Will Help You Reduce Your Costs As A Business This Winter](https://www.dumbfunded.co.uk/business/these-7-unique-ideas-will-help-you-reduce-your-costs-as-a-business-this-winter/) - Every business looks to tighten its budgets and become more cost-effective each year to nurture growth. However, most companies only focus on the obvious big overheads, gas, electricity and staffing costs. This article looks to explore other avenues your business can explore to reduce costs. These initiatives are not always at the forefront of a
- [Are You A Stoozer Or A Switcher? Try These Two Top Tricks To Make Money From Your Bank](https://www.dumbfunded.co.uk/personal-finance/are-you-a-stoozer-or-a-switcher-try-these-two-top-tricks-to-make-money-from-your-bank/) - Is there anything better than free cash? Getting a much-needed injection of funds into your account without having to put in too much effort feels good, and can help get rid of lingering debts or bump up your Christmas budget. We've got two great banking tricks that many financially-savvy people swear by. Switching accounts is
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- [Tips To Save Money For Your Business](https://www.dumbfunded.co.uk/guides/tips-to-save-money-for-your-business/) - When it comes to your business, being able to save some money here and there can be helpful. With that in mind, there are plenty of ways to help save money and to ensure your business remains financially stable regardless of what you face. Here are some tips to save money for your business. Keep
- [Investors Are Plugging Into The Tech Giants For The Long-term](https://www.dumbfunded.co.uk/investing/investors-are-plugging-into-the-tech-giants-for-the-long-term/) - US technology stocks faced some pressure in the first half of the year over worries about rising inflation and potential action from central banks to raise interest rates in an effort to stop economies overheating. Those worries hit the share prices of tech giants such as Facebook, Amazon, Apple, Netflix, and Google – collectively known
- [A Guide to Bridging Finance](https://www.dumbfunded.co.uk/loans/a-guide-to-bridging-finance/) - Bridging finance is a useful and versatile tool that many property investors use but often overlooked by buy to let landlords. The following is an explanation of exactly what it is and how it can be used to improve and expand your property portfolio. Whenever you think about bridging finance, you might consider it more
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- [Revolut Begins Offering Cryptocurrency Withdrawals](https://www.dumbfunded.co.uk/banking/revolut-begins-offering-cryptocurrency-withdrawals/) - Revolut, a fintech startup established in London with over 15 million customers worldwide, announced the debut of crypto withdrawals in May 2021. This means that users would be able to buy bitcoin in the UK using their mobile app, but then subsequently send it outside of Revolut’s ecosystem if they desired. Cryptocurrency withdrawal: Customers of
- [Uk Economy Showing Positive Signs Of Growth](https://www.dumbfunded.co.uk/guides/uk-economy-showing-positive-signs-of-growth/) - The past 18 months have been tough financially, and while lockdown proved essential for our country's health, there was always going to be an economic cost. Companies and individuals alike have had to tighten the purse strings and embrace frugality to weather a storm of business closures and unemployment – but now there are signs
- [Thomas Cook Goes Under: Here’s What You Need To Know](https://www.dumbfunded.co.uk/news/thomas-cook-goes-under-heres-what-you-need-to-know/) - On September 23rd, a lot of holidaymakers will have woken up to the unwelcome news that popular travel agent Thomas Cook is no longer trading. While this has been expected for some time, the fact that they were unable to find a bailout for their latest financial trouble will certainly dampen the holiday spirit of
- [The Savings Alternatives To A Pension](https://www.dumbfunded.co.uk/personal-finance/the-savings-alternatives-to-a-pension/) - It is well understood that if you want to have a comfortable retirement, you need to start saving as early as possible - at least by conventional wisdom. The pension has been the cornerstone of the retirement plan for just about everyone working in the country. And yet, to some, pensions are outdated, unviable and
- [Are You Ready For An Autumn Bills Hike?](https://www.dumbfunded.co.uk/news/are-you-ready-for-an-autumn-bills-hike/) - Come October, most of us are going to see an unwelcome change to our monthly outgoings, as energy bills are set to rise steeply – in many cases, by as much as 40%. This could amount to hundreds of pounds each year, and early predictions are that prices may well rise again come the spring.
- [Contactless Limit Now £100: How Secure Is Your Payment?](https://www.dumbfunded.co.uk/news/contactless-limit-now-100-how-secure-is-your-payment/) - Contactless payments were introduced back in 2007 as a way to streamline the shopping experience and make life easier for high street customers. Already a popular option, the start of the pandemic led to many stores adopting contactless as their preferred payment method so that they could stop unnecessary contact between shoppers and their staff.
- [NFTs For Dummies: What Is It And Where To Buy?](https://www.dumbfunded.co.uk/investing/nfts-for-dummies-what-is-it-and-where-to-buy/) - The development of cryptocurrencies has changed the way we think about money and finance as a whole. But that's not only that, blockchain technology has opened up a whole new world of possibilities in the world of art. With Beeple's 'Everydays: The first 5000 days' being sold for a cool $69 million, interest in NFTs
- [How To Invest In Your Business's Future](https://www.dumbfunded.co.uk/investing/how-to-invest-in-your-businesss-future/) - Investing your company's money can be a way of securing a healthy financial future. If one invests in the right way, it's probably the best way to make your surplus grow over time instead of losing value in a savings account. If you've started a business, you might be unsure about whether to invest the
- [Can You Afford To Take A Career Break?](https://www.dumbfunded.co.uk/careers-employment/can-you-afford-to-take-a-career-break/) - Giving up work doesn't have to mean forever. For some people, the real dream is taking some time out between jobs - perhaps as an opportunity to get your head together, to spend time with the family or to pursue a passion project. Depending on how expensive your monthly outgoings are, this can actually be
- [Could You Benefit From Professional Coaching?](https://www.dumbfunded.co.uk/business/could-you-benefit-from-professional-coaching/) - Business coaching is often thought of as belonging to those at the top of the food chain – we imagine CEOs and high-powered executives spending time with professional consultants to polish up their presentation skills or learn how to become a better lead. In reality, though, there are many different types of professional coaching available,
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- [5 Best FCA Regulated Forex Brokers In The United Kingdom](https://www.dumbfunded.co.uk/investing/5-best-fca-regulated-forex-brokers-in-the-united-kingdom/) - Forex brokers must be registered and authorised with the Financial Conduct Authority (FCA) to operate in the United Kingdom. The FCA is a reputed regulator with strict scrutiny measures, which means that brokers regulated by the FCA are considered safe. The authority is very vigilant and actively warns non-compliant traders in the industry, and even
- [Understanding Whole Life Insurance](https://www.dumbfunded.co.uk/insurance/understanding-whole-life-insurance/) - Though we may be too busy living in the moment, It's never too early to plan for the future. None of us wants to leave our family with a financial burden when we've gone. With whole life insurance, you are guaranteed a pay-out no matter when you die. But before you rush in and buy
- [Which Brands Of EV Can I Lease?](https://www.dumbfunded.co.uk/cars/which-brands-of-ev-can-i-lease/) - Electric vehicles have massively grown in popularity over the last decade, which is largely due to the advancements in EV technology. The technology that has been made available so far means that more manufacturers are able to produce high-quality electric vehicles. This also means that Tesla faces stiffer competition from other brands, as they were
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- [Are You Part Of The World's Biggest Investment Market?](https://www.dumbfunded.co.uk/investing/are-you-part-of-the-worlds-biggest-investment-market/) - The biggest companies in the world – and the most exciting ones – trade in the US. We're talking the likes of Google, Microsoft, Tesla: companies that offer a sure bet when it comes to investing your money in a business that will grow. The US market is also home to literally thousands of innovative
- [Understanding The Gender Credit Gap](https://www.dumbfunded.co.uk/news/understanding-the-gender-credit-gap/) - This week, we heard a shocking statistic: over a lifetime, women will typically pay almost £17,000 more than men to borrow money. The stat comes from a new report by credit checking company Credit Karma. They have taken a look at our nation's credit health, and found that there's a significant gender gap. A range
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- [Invest In Your Professional Image](https://www.dumbfunded.co.uk/guides/invest-in-your-professional-image/) - Appearances are important in business – a company that looks smart and presentable is likely to gain more trust from customers than one that's look messy and worn. Here are five times in which you should invest in your company's professional image. Get your website professionally designed It's possible to build your own website using
- [Points To Remember While Managing Personal Finance](https://www.dumbfunded.co.uk/guides/points-to-remember-while-managing-personal-finance/) - Managing your personal finances can be hard work, especially when something always comes up that needs to be paid yesterday. Are you familiar with the main pillars of personal finance management? You'll find it difficult to utilise your financial resources appropriately unless you perform strategic financial management. The concept of personal finance management stands on
- [A Detailed Introduction To Personal Finance](https://www.dumbfunded.co.uk/guides/a-detailed-introduction-to-personal-finance/) - Most individuals are concerned about their finances. Dealing with your finances is not as straightforward as it seems. No matter how much you're earning, you're supposed to balance your finances wisely, so as to run your life smoothly. The majority of earning individuals poses a rough idea of their personal finances, but many do not
- [Investments In Stocks - A Beginner’s Guide](https://www.dumbfunded.co.uk/guides/investments-in-stocks-a-beginners-guide/) - You may have heard stories about stock market investments that made people rich overnight. Most people start investing in stocks as they get influenced by such stories. You can't sustain yourself in the global stock market if your primary intention is to make incredible profits with short-term investments. When you plan your investments with such
- [Government Crackdown On Fake Reviews – And How You Can Spot Them](https://www.dumbfunded.co.uk/reviews/government-crackdown-on-fake-reviews-and-how-you-can-spot-them/) - Online reviews are a goldmine for avid shoppers: whether you want to check the quality of a purchase, or make sure a service professional is really up to the job, being able to see the experiences of others can really help. Unfortunately, less scrupulous companies have found ways to cheat the different review systems -
- [Scouts To Launch New 'Money Badge' For Members](https://www.dumbfunded.co.uk/news/scouts-to-launch-new-money-badge-for-members/) - Concerns around a lack of financial education for youngsters across England is nothing new, however it's great to see some innovative responses that could potentially make a huge difference. Unfortunately, money management skills aren't currently taught to schoolchildren as standard – they're not part of the core curriculum, which means that while some schools may
- [Banks Asked To Step In And Support Covid Recovery](https://www.dumbfunded.co.uk/news/banks-asked-to-step-in-and-support-covid-recovery/) - The government's furlough scheme has been essential for many over the past 18 months, allowing those who's jobs have been affected by Covid to continue bringing in an income. It has also meant that companies could keep their employees on the books ready for reopening, helping to avoid the staffing crises seen it some areas.
- [Basic Guidelines For Equipping Workplaces](https://www.dumbfunded.co.uk/guides/basic-guidelines-for-equipping-workplaces/) - Employers have a duty of care for their team – ensuring that the workplace environment is safe and productive. And while office workers might not be up on their feet all day or lifting heavy items, there are still plenty of practical considerations that need to be taken into account when equipping the office. Why
- [How a Data-Driven Approach Can Improve Your Finances](https://www.dumbfunded.co.uk/guides/how-a-data-driven-approach-can-improve-your-finances/) - If you have set yourself the goal of improving how you manage your finances, it may help to use techniques employed in data analytics and data science. Using an approach of defining your goals, measuring your income and expenses, analysing the data and improving your finance is a brilliant way to break your finances down
- [5 Ways To Boost Your Disposable Income Now](https://www.dumbfunded.co.uk/guides/5-ways-to-boost-your-disposable-income-now/) - If your monthly income is only covering your essential expenditure, you'll want to do everything you can to increase your disposable income. After all, it's your disposable income that can be used to pay for the fun things in life, like concert tickets, holidays, and adventures. When you have more disposable income, you can even
- [The Benefits Of Doing Business In The UK](https://www.dumbfunded.co.uk/guides/the-benefits-of-doing-business-in-the-uk/) - When it comes to taking your business international there are a lot of issues that need to be considered in order to ensure the business thrives and succeeds. Companies from across the globe are looking to the UK to do their business and with good reason; This article will explore the benefits of doing business
- [Step By Step Advice On What To Do If You Get Injured At Work!](https://www.dumbfunded.co.uk/guides/personal-injury-claim/step-by-step-advice-on-what-to-do-if-you-get-injured-at-work/) - It's highly possible that you may end up in an accident at work someday. No matter how big or small, accidents at work need to be dealt with. It's also possible that the accident wasn't your fault, and you sustained an injury. If you get injured at work, you need to know the next steps
- [4 Considerations When Choosing A Forex Broker](https://www.dumbfunded.co.uk/investing/4-considerations-when-choosing-a-forex-broker/) - If you're looking to try your hand at foreign exchange trading (forex), you'll need a broker to do so. Brokers make forex more accessible, especially for those who don't have a lot of capital to begin with. More importantly, however, they help lower the risk on your trades. Forex is the world's largest financial market,
- [5 Ways To Make The Most Of Your Social Media Marketing Budget](https://www.dumbfunded.co.uk/guides/5-ways-to-make-the-most-of-your-social-media-marketing-budget/) - Social media is a great tool for small businesses and big brands alike. It's a cost-effective way to reach out to a wider audience and build brand awareness. It also gives businesses the chance to really connect with their customers on a personal level and to create targeted campaigns according to their specific preferences and
- [Essential Items Every Home Office Must Have](https://www.dumbfunded.co.uk/guides/essential-items-every-home-office-must-have/) - Working from home is now the case for so many people and, even as we are starting to see the end of Covid restrictions, this looks to carry on for quite a while longer. This is why it is so important to have not just a space that can double as a work station but
- ['The Great Resignation': Are We Really Quitting Our Jobs In Droves?](https://www.dumbfunded.co.uk/news/the-great-resignation-are-we-really-quitting-our-jobs-in-droves/) - A survey of workers across UK and Ireland has found that a pretty striking 38% of us are planning to quit our jobs this year – and similar surveys done in the US put the number even higher. Meanwhile, vacancies are sitting unfilled, and many employers are complaining that they can't find people to fill
- [10 Reasons To Invest In Land](https://www.dumbfunded.co.uk/investing/10-reasons-to-invest-in-land/) - There are plenty of options for real estate investment out there and if you are in a position to think about the real estate options that you have in front of you, you have some thinking to do. Your choices are about more than a house or apartment when it comes to sorting out real
- [How To Expand Your Small Business Effectively](https://www.dumbfunded.co.uk/guides/how-to-expand-your-small-business-effectively/) - Expansion planning can be exciting for every business owner, as its potential benefits motivate them to explore promising opportunities. You may decide to grow your business quickly, yet rushing into an expansion without proper planning can cost you everything. Moreover, with businesses still dealing with the pandemic effects, many risks collapse without a sound expansion
- [Global Tax Overhaul For Big Businesses](https://www.dumbfunded.co.uk/news/global-tax-overhaul-for-big-businesses/) - In what has been described as "an historic day for economic diplomacy", 130 different countries have come together to sign a new agreement that will impose a minimum corporate tax rate of 15%. It's a deal that negotiators from countries including the US, France and China, as well as the UK, have spent years putting
- [5 Ways Your Business Can Beat the Competition](https://www.dumbfunded.co.uk/guides/5-ways-your-business-can-beat-the-competition/) - Being successful in business in 2021 often means being able to beat the competition. If you can compete and come out on top, you will have a larger share of the market, sell more products, and thus bring in more revenue - it really is that simple- but how exactly do you go about beating
- [What Is Pre-existing Condition Pet Insurance?](https://www.dumbfunded.co.uk/insurance/what-is-pre-existing-condition-pet-insurance/) - Pre-existing condition pet insurance is a type of coverage that will fund treatment for issues that were known about before the policy was taken out, or during the waiting time that applies before a claim can be made. There are a few companies in the UK that offer pet insurance that covers pre-existing conditions, but
- [Pandemic 'amplified existing inequalities' for part-time workers](https://www.dumbfunded.co.uk/news/pandemic-amplified-existing-inequalities-for-part-time-workers/) - The struggles of the past 18 months have forced us to re-evaluate our working culture and consider ways of improving flexibility for workers. Unfortunately, a report from the research consultancy Timewise has found that part time employees have had the short straw, experiencing a reduction in hours and a higher rate of redundancy. To summarise
- [Is The Cost Of Motoring Decreasing?](https://www.dumbfunded.co.uk/cars/is-the-cost-of-motoring-decreasing/) - Every motorist knows just how expensive keeping a car on the road can be and for many it can significantly eat into their monthly budget. Insurance, fuel, road tax and maintenance are just a few of the main costs to cover, but are these costs currently increasing or decreasing for motorists? Insurance Insurance is a
- [Best Ways To Save As A Student](https://www.dumbfunded.co.uk/guides/best-ways-to-save-as-a-student/) - One of the aspects of student life that people struggle with the most is money management. For many people, this will be their first time budgeting, paying rent, buying their own food and funding their own non-essential spending, which can be a huge culture shock for many. A student loan will only take you so
- [How UK Banks Are Addressing Homelessness](https://www.dumbfunded.co.uk/news/23899/) - Dealing with the realities of homelessness means losing access to a lot of things that most of us take for granted. We're not just talking about warm meals and hot showers, but also the tools that help most of us to get by in society – things like email addresses and bank accounts. This is
- [How To Take Your Side Hustle Full Time](https://www.dumbfunded.co.uk/careers-employment/how-to-take-your-side-hustle-full-time/) - Have you picked up a satisfying part time gig during lockdown? Or maybe you've been using your skills to earn a side income for years and finally feel ready to take it full time. From graphic design to acting as an extra or carrying out consultancy work, the opportunities for setting up work as a
- [Learn The Benefits Of Investment Trusts](https://www.dumbfunded.co.uk/investing/learn-the-benefits-of-investment-trusts/) - If you're not a professional investor, then it's easy to wind up feeling like a really small part of a much larger machine. However, an investment trust structure can do a lot to alleviate this. Investment trust can be a truly safe harbor given how shareholder engagement can help mitigate some of the huge challenges
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- [3 Essential Ecommerce Tips For 2021](https://www.dumbfunded.co.uk/business/3-essential-ecommerce-tips-for-2021/) - 'Ecommerce' ended up as one of 2020's top buzzwords, along with 'unprecedented', and the phrase 'remote working'. But far from being a meaningless call into the digital ether, it represents a vital tool for survival for countless businesses across the world, many of whom have only just taken their first steps into the online world
- [What Is The Future Of Business Travel Going To Look Like?](https://www.dumbfunded.co.uk/travel/what-is-the-future-of-business-travel-going-to-look-like/) - The pandemic has made a lasting impact on how business is conducted across the world. As offices shut down, more meetings had to be held over Zoom and Teams. The last year has taught many of us the importance of technology and productivity. However, some people are keen to go back to how the business
- [Five Digital Tools To Help You Manage Your Money](https://www.dumbfunded.co.uk/personal-finance/digital-tools-to-help-you-manage-your-money/) - The internet is full of useful tools and calculators that will help you understand and manage your money more effectively. From help working out your monthly take-home pay, to information about what your finances might look like after you’ve retired, we've pulled together five essential online tools that should put you in control of your
- [3 Website Tips For Small Businesses](https://www.dumbfunded.co.uk/business/3-website-tips-for-small-businesses/) - As a small business owner, you know that if a job's worth doing, it's worth doing right. You wouldn’t dream of cutting corners in your company’s customer service. So why do it with your website? When it comes to competing online, many fibre-optic first timers don’t know what they’re up against, which can lead to marketing
- [How Much Do Executive Personal Assistants Make?](https://www.dumbfunded.co.uk/guides/how-much-do-executive-personal-assistants-make/) - The role of an Executive PA involves a large variety of work and often requires in-depth understanding of the sector that they are working in, as well as having all of the necessary skills to deal with the requirements of the executive PAs they are assisting. The salary of an Executive Personal Assistant can vary
- [4 Ways To Stop Stressing About Personal Finances And Change Them For The Better](https://www.dumbfunded.co.uk/personal-finance/4-ways-to-stop-stressing-about-personal-finances-and-change-them-for-the-better/) - 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. This vicious cycle can start getting on top of you and will not only start affecting
- [Buy Your First Home Sooner With Government Support](https://www.dumbfunded.co.uk/personal-finance/buy-your-first-home-sooner-with-government-support/) - You probably already know that there are a number of different schemes for people who want a hand up onto the housing ladder. The government want to support people in buying their first property, so they’ve set up several different initiatives to give first-time buyers a boost. One popular option is the Lifetime ISA, or
- [Top 3 Practical Ways to Monetise Empty Retail Space](https://www.dumbfunded.co.uk/guides/top-3-practical-ways-to-monetise-empty-retail-space/) - Although most businesses are embracing e-commerce, you can't ignore the place of physical stores. This reality is that most of the online purchases are driven by physical interaction with products. Yet, the retail industry has experienced notable changes over the past years that has resulted in the availability of pop up spaces. The availability of
- [Start Trading Forex In Three Simple Steps](https://www.dumbfunded.co.uk/investing/start-trading-forex-in-three-simple-steps/) - The rise of the internet over the past two decades has made the investment world increasingly accessible to ordinary people. No longer is trading the reserve of the rich and the successful; now, it's open to everyone. Forex, in particular, has proved to have mass appeal. Flexible, with a low entry threshold, everyone from housewives to
- [5 Home Investment Hacks For Lockdown](https://www.dumbfunded.co.uk/guides/5-home-investment-hacks-for-lockdown/) - During lockdown, some savvy homeowners have been choosing to invest cash which might otherwise have been spent on holidays and commuting costs on improving their homes for their own comfort and with an eye on increasing the value when the time comes to sell up and move on. But how should you get started? These
- [Coinbase Breaks Ties With Barclays, Will Use ClearBank For Faster Payments In The UK](https://www.dumbfunded.co.uk/bitcoins/coinbase-breaks-ties-with-barclays-will-use-clearbank-for-faster-payments-in-the-uk/) - As reported in CoinDesk, Coinbase have severed ties with Barclays and will be using new British challenger bank ClearBank for FPS. The development follows the recent 'temporary' withdrawal of Faster Payments for UK users of the Coinbase, meaning slower GBP/Sterling transfers into the service, and an increased dependence on PayPal for withdrawals. Access to FPS
- [Max Appeal: 6 Tips to Help You Sell Your House Quickly](https://www.dumbfunded.co.uk/guides/property/max-appeal-6-tips-to-help-you-sell-your-house-quickly/) - Moving house and selling a house in particular is regarded by many as one of the most stressful processes to go through. To minimise the stress and to sell your property quicker, estate agent comparison website www.getagent.co.uk has put together a handy article featuring their top tips for selling a property. With a little preparation,
- [Knowing How To Work The Web To Your Small Business' Advantage](https://www.dumbfunded.co.uk/guides/knowing-how-to-work-the-web-to-your-small-business-advantage/) - The internet only became publicly available in 1991. This is difficult to believe when you take into account how integral it is to our day to day lives. Nowadays, hundreds of thousands of people's careers are based solely on the web. Many of us rely on it when it comes to maintaining contact with loved
- [How To Improve Your Vehicle-Related Expenses](https://www.dumbfunded.co.uk/guides/how-to-improve-your-vehicle-related-expenses/) - Most of us need to have a vehicle in our lives, yet while we're typically glad to have the keys to the vehicle, it's not as if everything related to car-ownership is enjoyable. For instance, there's the matter of the cost. It seems like there's always one expense to pay or another. But did you
- [Could An App Do Your Budgeting For You?](https://www.dumbfunded.co.uk/guides/could-an-app-do-your-budgeting-for-you/) - January is a great time to make a budget for the year ahead, and we've shared plenty of budgeting tips in the past for those who want to sit down and work out their own spending plan. However realistically, a lot of people struggle to find the time – and even if you do have
- [Safest Ways To Invest Your Money](https://www.dumbfunded.co.uk/investing/safest-ways-to-invest-your-money/) - This week there has been news of investment scams, which involve con artists setting up fake investment websites to trick people into handing over cash – with the average victim losing more than £45,000. With savings accounts currently offering rock-bottom interest rates, it's no wonder that people are turning to investment with the hope of
- [Why You Should Try CFD Trading Instead Of The Stock Market](https://www.dumbfunded.co.uk/investing/why-you-should-try-cfd-trading-instead-of-the-stock-market/) - If you have been considering getting into the trading industry, you may be wondering which form of trading is best for you. The stock market is the most obvious gateway into trading, however, CFD trading could be a wiser choice whether you're experienced or non-experienced. CFD trading, otherwise known as contract for difference trading is
- [8 Top Tips for Affording Private Medical Care in the UK](https://www.dumbfunded.co.uk/guides/8-top-tips-for-affording-private-medical-care-in-the-uk/) - Having trouble with affording your private medical care? These eight tips should help you to start saving the money to get the treatment you desire. As a nation, we are so lucky that we have a system where medical care is, for all intents and purposes, free at the point of contact. This means that
- [6 Areas To Invest Your Money In This Year](https://www.dumbfunded.co.uk/investing/6-areas-to-invest-your-money-in-this-year/) - Those who aren't great with saving money might want to think about investing it into a worthwhile opportunity. The difference between saving and investing is that the latter involves taking some of your money and trying to make it grow by buying things that should increase in value. To help you out, we've compiled a
- [Investing Tech - Can Stock Scanners Help?](https://www.dumbfunded.co.uk/investing/investing-tech-can-stock-scanners-help/) - If you are an active investor it can feel incredibly difficult to not only keep a check on your portfolio but also identify real targets with potential. For day traders, the need for information is even greater because they need real-time data to enable them to make trades fast. Whilst it is possible to choose
- [4 Things To Do When You're Hosting A Trade Show](https://www.dumbfunded.co.uk/guides/4-things-to-do-when-youre-hosting-a-trade-show/) - Trade shows are a great way to introduce your business to customers who are truly interested in your goods and services alongside similar companies - even competitors. To make the most of a trade show, it is important that you schedule everything down to the last detail, and even if this is not your first
- [How to Increase Productivity in Your Small Business](https://www.dumbfunded.co.uk/business/how-to-increase-productivity-in-your-small-business/) - Five practical solutions that can be implemented into any business, big or small, to improve productivity and send your work level through the roof!
- [Tips For Commuting On The Train](https://www.dumbfunded.co.uk/guides/tips-for-commuting-on-the-train/) - It can be a bit nerve-wracking using public transport at the moment as the pandemic continues, but if you have to get on the train for one reason or another then there are a few tips to keep in mind which will help you to travel safely and hopefully help you to feel less stressed.
- [What Brexit Might Mean For SMEs](https://www.dumbfunded.co.uk/business/what-brexit-might-mean-for-smes/) - It seems like an absolute eternity ago that the EU referendum took place back in 2016, but Brexit has finally now happened and it is time for people to set their differences aside and look ahead. The last year (at least) has been marked by fears of what Brexit might hold and, while it still
- [Complaints! Problems Your Employees May Have, and How to Deal With Them](https://www.dumbfunded.co.uk/guides/complaints-problems-your-employees-may-have-and-how-to-deal-with-them/) - As a business owner, you're going to need to deal with complaints from your staff. So it's important to know the sorts of complaints you might be dealing with, and how to sort them out. The idea is to be the best and most attentive boss you can possibly be. This means dealing with these
- [9 Tips To Consider If You Are Going To Move To Permanent Remote Working](https://www.dumbfunded.co.uk/guides/9-tips-to-consider-if-you-are-going-to-move-to-permanent-remote-working/) - Working from home can be a perfect move. However, it can also come with its downfalls, such as more distractions. That being said, more of us than ever are now having ot deal with working from home, and are also having to face the prospect of it becoming a permanent fixture in our working lives.
- [Is Your Small Business Due An Insurance Pay-out?](https://www.dumbfunded.co.uk/business/is-your-small-business-due-an-insurance-pay-out/) - Big news from the supreme court this week means that many SMEs who has been left to deal with the fallout from the coronavirus pandemic on their own have now been thrown a lifeline. The court has ruled that, in many cases, small firms that had taken out business interruption insurance policies should receive a
- [Financial Issues All Expats Must Consider](https://www.dumbfunded.co.uk/guides/financial-issues-all-expats-must-consider/) - Relocating overseas is a dream for many but for some, it becomes a reality. There are UK expats all over the world enjoying the benefits of better weather and a more stable financial situation. There are many countries where property and the cost of living are cheap compared with the UK, which means that your
- [5 Ways To Grow Your Business In January](https://www.dumbfunded.co.uk/guides/5-ways-to-grow-your-business-in-january/) - January is the perfect time to start making positive changes to your business. While the announcement of lockdown 3.0 will certainly have caused a great dea of frustration amongst many business owners, you could use this chance to build your business behind the scenes and work on your company so that it can come back
- [How To Make Your Business More Innovative](https://www.dumbfunded.co.uk/business/how-to-make-your-business-more-innovative/) - Now more than ever it's important for businesses to be more innovative if they're to survive. Businesses in record numbers have been forced to close because of the pandemic and global recession, but a few small independents have beaten the odds. By changing their business model, the way they reach their customers, and even their
- [5 Signs It Is Time To Upgrade Your Car](https://www.dumbfunded.co.uk/cars/5-signs-it-is-time-to-upgrade-your-car/) - Saying goodbye to your much-loved motor is never easy. Whether it is your first car that you have been cruising around in for too long or a luxury 4x4 you saved and saved for, all cars will eventually need to be upgraded. Government legislation on vehicles is changing as well, meaning it might benefit you
- [Tips For Doing Business In China](https://www.dumbfunded.co.uk/guides/tips-for-doing-business-in-china/) - The Chinese market is an attractive one for global businesses for several reasons. Aside from the region now officially boasting the second-largest global economy, and the area playing host to a huge number of consumers with ample liquid assets, the Chinese people have also been fairly quick to embrace Western brands. While the benefits of
- [Index Funds VS Bluechip Funds](https://www.dumbfunded.co.uk/investing/index-funds-vs-bluechip-funds/) - Over the past year, everybody is talking about the performance of Index funds in the year 2018 and how index funds actively outperformed large cap funds. In 2018, Nifty 50 Index funds gave 4% returns while other large cap funds experienced lower funds comparatively. Not just the figures but also the industry experts are suggesting
- [Top 5 Project Management Software Solutions](https://www.dumbfunded.co.uk/technology/top-5-project-management-software-solutions/) - Project management software must, by definition, help the project team to become more productive. This involves enhanced control over all the milestones and task assignments for both project planners and managers. It should enable clear task deadlines for the team and clearly presented, informative reports for the sponsors and senior management outside the project. So
- [How Is Brexit Likely To Affect Your Finances?](https://www.dumbfunded.co.uk/news/how-is-brexit-likely-to-affect-your-finances/) - There has been a lot of speculation over how Brexit could impact the personal finances of British households, but now that a deal has been agreed its possible to look at things with a bit more clarity. We officially left the EU at the end of January in 2020, with a transition period that finished
- [How To Plan A Great Retirement](https://www.dumbfunded.co.uk/retirement/how-to-plan-a-great-retirement/) - Whether you're 20 or 50, you can plan for a great retirement, although the younger you are the easier it will be to build up your future nest egg. These steps can help get you there. Assess Your Needs There is a formula that says your retirement savings should provide you with around 70% to
- [Consumer Warning: Moonpig Host Cashback Scam Pop-up During Checkout Process](https://www.dumbfunded.co.uk/retail-shopping/consumer-warning-moonpig-host-cashback-scam-popup-during-checkout-process/) - Greetings card company Moonpig were this week discovered to be ripping off their customers by a Dumb Funded investigation. We discovered that Moonpig are hosting a pop-up message during their checkout process designed to syphon customers to the Complete Savings cashback 'scam' operation, which has tricked 10,000s of UK consumers into paying a monthly fee
- [New Scheme For First Time Buyers](https://www.dumbfunded.co.uk/personal-finance/new-scheme-for-first-time-buyers/) - The government have just unveiled their latest help-to-buy scheme, available specifically for first time buyers looking to step onto the property ladder for the first time. It is now open to applicants – so let's take a look at who it can help and how to make it work for you. Known as the help-to-buy
- [How Bid Management Software Prevents Communication Break Down](https://www.dumbfunded.co.uk/business/how-bid-management-software-prevents-communication-break-down/) - Business acquisitions and building strong partnerships with other organisations rely heavily on winning contracts. Effective and timely bid management is crucial in today's fiercely competitive marketplace, which is why more organisations are choosing to hire Bid Managers and also invest in bid management software. The Bid Management Process From end to end, a variety of
- [Is Consolidation The Best Way To Deal With Debt?](https://www.dumbfunded.co.uk/personal-finance/is-consolidation-the-best-way-to-deal-with-debt/) - Dealing with debt can be a really confusing experience. You start off keeping track of your loans, and thinking that you have enough to cover them, but one miscalculation or late payment could push you into financial trouble. Often, we don't think there's any other option for dealing with debt than continuing to pay big
- [Should You Take Out A Loan During Covid-19?](https://www.dumbfunded.co.uk/loans/should-you-take-out-a-loan-during-covid-19/) - COVID-19 has been one of the biggest financial strains on both personal and business finance for many people in the UK. You could have been made redundant, put on furlough pay by your employer, lost earnings when you are self-employed or generally struggling to make ends meet, you may be looking to take out a
- [How You Can Get Into Futures Trading And Make Some Money Today](https://www.dumbfunded.co.uk/trading/how-you-can-get-into-futures-trading-and-make-some-money-today/) - For those who like living on the edge, there may be nothing more enjoyable than futures trading. In this type of trading, you are speculating on what the contract size will be of a particular stock or commodity, like gold or oil. Getting involved in this kind of trading can be very lucrative, but it
- [Can A CCJ Stop You Getting A Mortgage?](https://www.dumbfunded.co.uk/personal-finance/debt/can-a-ccj-stop-you-getting-a-mortgage/) - The process of getting a mortgage can be very stressful. A key part of the process is affordability checks, and this will involve delving into your financial past, present and future to help the lender determine if you are a suitable borrower. It can be daunting for first time buyers, particularly if they have had
- [Top 6 Marriage-killing Money Issues](https://www.dumbfunded.co.uk/guides/top-6-marriage-killing-money-issues/) - Financial problems are one of the leading reasons for couples getting divorced and there are lots of different types of money issues that lead to marriage troubles. Financial hardship is a big stress factor, so it is understandable that this can be the trigger for many arguments and broken relationships. These are the six most
- [Careers Fraud: What To Look Out For](https://www.dumbfunded.co.uk/guides/careers-fraud-what-to-look-out-for/) - We often share information about common financial scams, like websites selling fake products or phony emails asking for your personal details. But one area often overlooked is careers fraud. These false job opportunities lure people in with the promise of employment, and then ask for personal details or require you to make payment so that
- [Office Design Tips To Encourage Productivity](https://www.dumbfunded.co.uk/guides/office-design-tips-to-encourage-productivity/) - An office space which is aesthetically designed is conducive to employee engagement and productivity, as well as portrays a professional image to visitors. As a business owner time should be given to creating an office space which encourages productivity and sales right from the very beginning. Taking on a premises for a business is a
- [Keeping Your Money Safe](https://www.dumbfunded.co.uk/personal-finance/keeping-your-money-safe/) - Many of us have asked ourselves the question: is my money safe in the bank? Learning a little about how banks keep your money safe can really help to ease those worries. Modern banking often takes place online, through a browser or a mobile app. Banks use a number of different security practices to ensure
- [Forex Cent Trading Account: What It Is And Why It's A Must For New Traders](https://www.dumbfunded.co.uk/investing/forex-cent-trading-account-what-it-is-and-why-its-a-must-for-new-traders/) - Trading forex comes with substantial risk and the majority of new traders end up losing money. Sure, some will be able to consistently generate impressive returns while even fewer will make a lot of money. So, how can anyone curious about the world of trading give it a try without risking a lot of capital?
- [Lifetime ISAs: Your Questions Answered](https://www.dumbfunded.co.uk/money-saving-3/lifetime-isas-your-questions-answered/) - A Lifetime ISA (LISA) is a special type of individual savings account that lets you put away up to £4,000 every year. The money can then be used for buying your first home or for retirement. The reason that a LISA stands out against other similar savings vehicles is the 25% bonus: the government will
- [Are You Financially Savvy? Three Ways To Boost Your Income](https://www.dumbfunded.co.uk/guides/are-you-financially-savvy-three-ways-to-boost-your-income/) - Should children be taught how to look after their money at school? It’s a perennial debate – and many feel that financial literacy is too important for modern life not to feature more prominently on the curriculum. Money lessons would no doubt help kids be better with their finances in the long run and it’s
- [How to Save Money on A New Boiler with Government Grants](https://www.dumbfunded.co.uk/guides/how-to-save-money-on-a-new-boiler-with-government-grants/) - Have you been considering updating your boiler recently, but worried about the cost? Whether it's electric or gas, your boiler is integral to your quality of living at home, and for your fiscal and physical well being, it's imperative it remains in excellent shape. However, replacing a boiler can often cause a huge dent in
- [How To Budget For A 2021 Holiday](https://www.dumbfunded.co.uk/guides/budgeting/how-to-budget-for-a-2021-holiday/) - Travel hasn't been easy in 2020. The ski trips and summer getaways were put on hold or cancelled altogether while countries around the world went into lockdown. This year has also seen a lot of us struggle with our finances, thanks to furloughing and job uncertainty. But with recent reports about new Covid-19 vaccines reaching
- [How To Afford Disability Aids](https://www.dumbfunded.co.uk/guides/how-to-afford-disability-aids/) - The right equipment can make an enormous difference to the quality of life of a disabled person, making everyday tasks that little bit (or, a lot) more convenient. A trip to the shop might be made possible by the right mobility scooter; getting in and out of the bath might be made safer with the
- [How To Style Your Wedding On A Budget](https://www.dumbfunded.co.uk/guides/how-to-style-your-wedding-on-a-budget/) - The coronavirus has had an enormous impact on the personal finances of millions of people. There have been furloughs, redundancies, and an unprecedented shift in working practices in the form of a home-working revolution. If you've planning a wedding at some point in 2021, or even in 2022, then you might find that you need
- [How To Save Over The Festive Period](https://www.dumbfunded.co.uk/guides/how-to-save-over-the-festive-period/) - When we think of Christmas, we all automatically visualise our bank accounts hitting zero and having to scrape through January in order to get by. However, this does not need to be the case. After a particularly difficult year this year, the vast majority of the population are probably looking at ways they can reduce
- [Christmas On The Credit Card: Pros And Cons](https://www.dumbfunded.co.uk/retail-shopping/christmas-on-the-credit-card-pros-and-cons/) - With Christmas just around the corner, many of us will be turning starting to flex that little bit of plastic in our wallets. Credit cards can be a tempting way to finance the decadences of the festive season, especially when you find yourself stretching the budget to pay for 'just one more' gift or treat.
- [Everything You Need To Know About Building A Franchise From The Ground Up](https://www.dumbfunded.co.uk/business/everything-you-need-to-know-about-building-a-franchise-from-the-ground-up/) - Building a successful business is difficult, and building a franchise out of that business will take a lot of careful planning. Find out how you can succeed with your new business venture. If you're thinking of turning your winning business model into a whole franchise, you're going to need a solid plan. There's a lot
- [Relocating During Coronavirus: Don't Let Poor Credit Hold You Back](https://www.dumbfunded.co.uk/personal-finance/relocating-during-coronavirus-dont-let-poor-credit-hold-you-back/) - Are you considering relocating? If you are, you're not alone. The urge to relocate has been largely driven by an increase in the number of people now working from home, either all or some of the time. This has freed many employees from the need to be within commutable distance of their workplace. Research from
- [Mortgage & Remortgage Options For Healthcare Professionals](https://www.dumbfunded.co.uk/personal-finance/mortgage-remortgage-options-for-healthcare-professionals/) - For the last 9 months healthcare professionals have been at the centre of one of the biggest crises to hit the UK. Rightly praised, their dedication to their patients and to the NHS during the Covid-19 pandemic has never been in doubt. As we get used to what we are now increasingly calling 'the new
- [2021 Budgeting: Give Every Penny A Job](https://www.dumbfunded.co.uk/guides/budgeting/2021-budgeting-give-every-penny-a-job/) - If you want to start the new year in good financial health then it's important to get a proper budget in place sooner rather than later. When done properly, producing a budget can take a little bit of time – so we suggest getting it out of the way before the Christmas rush and New
- [Outsmarting The Pension Scams](https://www.dumbfunded.co.uk/personal-finance/pensions/outsmarting-the-pension-scams/) - From workplace pensions to private pension plans, millions of employees pay into pension schemes every year in order to enjoy a happy and financially secure retirement. Unfortunately, in the last few years there has been a dramatic increase in the number of employees being conned out of their life savings via pension scams. In fact,
- [The Pros And Cons Of Trading As An Income Source](https://www.dumbfunded.co.uk/investing/forex/the-pros-and-cons-of-trading-as-an-income-source/) - The COVID-19 pandemic had shaped the economic landscape of 2020, and because multiple industries were hit by the combination of weak consumer demand and mitigation methods, people have shifted towards new income streams. Online activities were among the top picks, considering the ability to work remotely. One of the main areas that saw a huge
- [How Can Self-Storage Benefit Your Business?](https://www.dumbfunded.co.uk/business/how-can-self-storage-benefit-your-business/) - The world this 2020 has been transformed, and now, people are trying to get accustomed to the idea of a new normal. Part of the changes includes the normalcy of studying online and working from home. In August, only 34% of office workers in the UK were found to return to their desk jobs, indicating
- [Ambitious Plans For UK Financial Services](https://www.dumbfunded.co.uk/news/ambitious-plans-for-uk-financial-services/) - What does the future hold for financial services in the UK? We might not have a crystal ball, but we do have a glimpse at the next few years, thanks to the Government's financial statement. This week, chancellor Rishi Sunak made a statement outlining his – and the Government’s – plans for revamping and reinvesting
- [How To Save Yourself Money When Travel Restrictions Are Lifted](https://www.dumbfunded.co.uk/travel/how-to-save-yourself-money-when-travel-restrictions-are-lifted/) - If you live in England, you will undoubtedly be aware that the government imposed a second lockdown from the 5th of November to the 2nd of December. In a bid to give the nation a semblance of a 'normal' Christmas this means that travelling away from home in any capacity is restricted except in limited
- [BetterHelp Explains How To Manage Mental Health And Money Stress](https://www.dumbfunded.co.uk/guides/betterhelp-explains-how-to-manage-mental-health-and-money-stress/) - Millions of people around the world are facing hardship after hardship, including losing their jobs, coming up short for monthly rent, and choosing between affording food for the family or paying bills. COVID effectively destroyed everybody's sense of normalcy, leading to many people unable to manage their stress. But you are not alone. We are
- [7 Technological Trends Which Are Changing The Fintech Industry](https://www.dumbfunded.co.uk/technology/7-technological-trends-which-are-changing-the-fintech-industry/) - FinTech is a term that stands for financial technology and covers a wide range of solutions and businesses that implement innovation into the financial sector. It develops rapidly nowadays thanks to the great request and new arising platforms. That's why such positions as a FinTech developer are in great demand. It is all about providing
- [Financial Support For A Second Lockdown](https://www.dumbfunded.co.uk/news/financial-support-for-a-second-lockdown/) - Those in the UK will be aware that the country has now gone into a second national lockdown, with all non-essential businesses closing for at least a month. As with the first lockdown, this will mean that cafes, pubs, restaurants and entertainment companies will all be closing their doors, alongside beauty businesses like hairdressers and
- [Does NordVPN Work With Netflix?](https://www.dumbfunded.co.uk/news/tech/does-nordvpn-work-with-netflix/) - Everyone knows that Netflix offers some of the best movies, TV, and series on the internet. After all, Netflix has around 195.15 million subscribers worldwide. But despite its astronomical popularity, Netflix is plagued with geo-restrictions. What I mean by that is, its content library varies from region to region. One show that might be available
- [Tips For Looking After Staff When Working From Home](https://www.dumbfunded.co.uk/guides/tips-for-looking-after-staff-when-working-from-home/) - Looking after your staff when working from home is a unique situation that most businesses wouldn't have thought would be the case, however, due to the recent pandemic, that's all changed. In order to prepare your business for anything like this in the future, here are some tips for looking after staff when working from
- [5 Reasons You May Be Denied A Payday Loan](https://www.dumbfunded.co.uk/loans/5-reasons-you-may-be-denied-a-payday-loan/) - Understanding your credit score can be a challenge, but when it comes to being rejected for payday loans, it can often be difficult to determine the main reason why you have been rejected. To help you understand some of the variables that could leave you to be rejected for a payday loan, we have compiled
- [Top Tips For Working From Home Over Winter](https://www.dumbfunded.co.uk/guides/top-tips-for-working-from-home-over-winter/) - As the UK heads into a second lockdown, many of us are still working from home. For lots of people, this year has been the first time they have had to work from home, and it's been a steep learning curve. For the second lockdown, many people are worried about working at home over the
- [How Bitcoin Helps Business Growth](https://www.dumbfunded.co.uk/bitcoins/how-bitcoin-helps-business-growth/) - The year 2009 was a breakthrough for digital currency through the birth of Bitcoin. Yes, being the first decentralised digital currency, Bitcoin influenced how people make money. That's only the start. Now, Bitcoin is changing how entrepreneurs are managing their businesses. Experts call this the growth of small businesses. But most new Bitcoin users would ask,
- [Emergency Help For Energy Bills](https://www.dumbfunded.co.uk/guides/emergency-help-for-energy-bills/) - Last week we looked at some ways to save money by cutting your energy costs over winter. While it's always great to bring the bills down, those who are really struggling should consider reaching out for extra help. The COVID-19 pandemic has caused extra money worries for many of us, and this has led energy
- [Finding A New Way To Market Your Business In A Post-covid Market](https://www.dumbfunded.co.uk/guides/finding-a-new-way-to-market-your-business-in-a-post-covid-market/) - There have been very few businesses in any industry that have remained completely immune to the effects of the COVID-19 crisis, particularly in manufacturing. For some, the world has been completely turned upside down, and business has ground to a complete halt. Others have managed to hang on by switching to new products and lines.
- [Graniteshares Enjoys Record Week Of Trading In London](https://www.dumbfunded.co.uk/investing/graniteshares-enjoys-record-week-of-trading-in-london/) - Thanks to its rolls royce 3x long ETP Graniteshares has enjoyed a record week trading in London. October has been a record-breaking month for GraniteShares' leverage and inverse single stock ETPs. In part, this has been down to an extraordinary week (5th October to 9th October 2020) when the share price of Rolls Royce increased
- [Budgeting For Installment Loans Online? 5 Budgeting Tips If You're Struggling With Loans](https://www.dumbfunded.co.uk/guides/budgeting-for-installment-loans-online-5-budgeting-tips-if-youre-struggling-with-loans/) - Debt can pile up really quickly. Whether it's through credit cards, personal loans, student loans, or your mortgage, having more bills to pay each month can cause havoc on your budget. There are online options that help make the repayment process more manageable. Getting an online installment loan through Personal Money Network can allow you
- [How To Keep Your Employees Happy And Motivated At Work](https://www.dumbfunded.co.uk/guides/how-to-keep-your-employees-happy-and-motivated-at-work/) - While offering money as a reward to employees can show support and thanks, it's often a quick-fix and not the best way to show gratitude and promote long term happiness. There are other ways to praise success and achievement through personal support and professional development. Above most things, people value a good work-life balance as
- [The Best TV Shows About Money Laundering and Fraud](https://www.dumbfunded.co.uk/guides/the-best-tv-shows-about-money-laundering-and-fraud/) - Money laundering is one of the more interesting types of fraud and has been the centre of many TV shows over the past few years. But which TV shows make the cut? The last 10 years have quickly become the age of the exciting money laundering movies and TV shows. Money laundering makes for good
- [What You Need To Know About Setting Up A Joint Bank Account](https://www.dumbfunded.co.uk/banking/what-you-need-to-know-about-setting-up-a-joint-bank-account/) - Setting up a joint bank account is a pretty simple process, and it can make combining finances a lot easier. It's not something that should be done on a whim, though – take the time to talk through the pros and cons before deciding to go ahead. Why should we consider a joint account? A
- [How to Make Smart Cryptocurrency Investments](https://www.dumbfunded.co.uk/investing/how-to-make-smart-cryptocurrency-investments/) - In today’s world, there are countless ways to invest money and most of them come with some kind of a risk involved. If there is no risk, the gains you stand to make are negligible. On the other hand, risking too heavily seems more like gambling than investing, so a fine line must be drawn.
- [Could Fuel Cards Help Your Small Business?](https://www.dumbfunded.co.uk/business/could-fuel-cards-help-your-small-business/) - Getting a small business up and running sometimes feels like one long, expensive admin task – so we're always on the lookout for helpful tools to save small business owners and sole traders time or money (preferably both!). One important tool if you want to be seen as one of the best businesses for attracting
- [How Uk Companies Should Rehire Top Talent After The Effects Of Covid-19 Pass](https://www.dumbfunded.co.uk/business/how-uk-companies-should-rehire-top-talent-after-the-effects-of-covid-19-pass/) - The Covid-19 pandemic has reshaped businesses and whole industries in ways that were unthinkable before. Even though many parts of the world are still struggling with the health crisis that has crippled economic activity as well, savvy business owners are already thinking of the future. While the British public is anxious for life to return
- [What Should You Be Investing In When It Comes To Your Business?](https://www.dumbfunded.co.uk/guides/what-should-you-be-investing-in-when-it-comes-to-your-business/) - Businesses need a number of different things to make them work properly, and if a business owner isn't ensuring the company has everything it needs, it's not going to see success. There are certain things that you should be investing in when it comes to your business, and if you don't know what they are,
- [10 Things Your Business Can Outsource With Micro-Jobbing](https://www.dumbfunded.co.uk/guides/10-things-your-business-can-outsource-with-micro-jobbing/) - Read on to find out ten services you can outsource via micro-jobbing! It is becoming more and more common for small businesses and companies to outsource to micro-jobbing websites like fivesquid and Fiverr, potentially saving them thousands of pounds per year. For as little as £5 people are offering their skills and expertise to help businesses expand
- [Entrepreneurial Advice: How to Set Up A Taxi Firm](https://www.dumbfunded.co.uk/business/entrepreneurial-advice-how-to-set-up-a-taxi-firm/) - Whether you did your degree in Business Studies or just have an entrepreneurial spirit, establishing a business can be an exciting graduate opportunity. While retail or events businesses are the most common for graduate start-ups, why not think outside the box? In this edition of Entrepreneurial Advice, we will outline the considerations to make when
- [New Job Support Scheme To Replace Furlough](https://www.dumbfunded.co.uk/careers-employment/new-job-support-scheme-to-replace-furlough/) - You've probably heard that the government are starting up a new Job Support Scheme to help those affected by the loss of income that many businesses are facing due to Covid-19. It's a little more complicated than the previous scheme, so we're going to take a look at how it works an what you need
- [Key Steps That Will Help You To Start Your Very Own Hotel](https://www.dumbfunded.co.uk/guides/key-steps-that-will-help-you-to-start-your-very-own-hotel/) - Starting a hotel requires you to be careful about your choice of location and your strategy. You also need to be mindful of your business plan and the access that you have to financial resources. Having a mindset that is entirely customer-centric is also very important so make sure that you keep that in mind
- [Building On Brownfield Could Help Make Your Self Build Dream Come True](https://www.dumbfunded.co.uk/guides/building-on-brownfield-could-help-make-your-self-build-dream-come-true/) - Abandoned land that has been previously used for industrial, commercial, or agricultural purposes could be the answer to making your dream self build project come true. Rather than greenfield space, which is becoming more and more difficult to come by, developers can choose disused sites for building, which would help improve the aesthetics of a
- [Leave a Rich Legacy: Estate Planning with Check-Out](https://www.dumbfunded.co.uk/guides/leave-a-rich-legacy-estate-planning-with-check-out/) - Whether we make the choice or not, we're all leaving some kind of legacy behind. Here's the thing, you don't have to be "rich" to leave behind a legacy that positively impacts the lives of others. Sometimes the simplest gestures live on through future generations. Did you know that you can take steps to secure how
- [Fraudulent Behaviour 101: Are You Clued Up On Serious Fraud?](https://www.dumbfunded.co.uk/guides/fraudulent-behaviour-101-are-you-clued-up-on-serious-fraud/) - Serious fraud is exactly what it sounds like; fraud so serious that the government takes notice and decides to investigate it. But do you know how to avoid it? Find out, here. Serious fraud is one of the worst sentences the government can hand down to an individual or corporation. If you are accused of
- [Inflation Reaches A Five-year Low](https://www.dumbfunded.co.uk/news/inflation-reaches-a-five-year-low/) - Inflation is how we measure the price of our goods and services, and the UK's inflation rate tracks how much prices are rising or falling. The rate was at 1% in July but fell by a significant margin to 0.2% in August – the lowest that it has been in five years. But what does
- [The Costs Of Starting A Business](https://www.dumbfunded.co.uk/guides/the-costs-of-starting-a-business/) - Everyone knows that starting a business can cost a lot of money, but what exactly are these costs? Well, it depends a lot on the type of business you're launching – opening a luxury hotel is likely to come with lots of high costs, whilst a home-based web development company may have very few costs.
- [Want To Sell Your House But You're Worried About The Damage?](https://www.dumbfunded.co.uk/loans/want-to-sell-your-house-but-youre-worried-about-the-damage/) - Moving house is stressful. But when it's time to jump from the nest like a brave Blue Tit the extent of damage in the property can be disconcerting financially to say the least. One solution however is to get a bridging loan. A bridging loan is short term funding to repair or prevent damage to
- [How Debt Affects Mental Health](https://www.dumbfunded.co.uk/personal-finance/how-debt-affects-mental-health/) - Debt can cause feelings of panic, worry and stress, which if not resolved could potentially lead to more serious mental health issues. If you feel that your feelings of panic and worry are becoming overwhelming, reach out to BetterHelp today and see how they can help support your mental health. Alliance Scotland recently reported that
- [Phone Systems For Small Businesses](https://www.dumbfunded.co.uk/technology/phone-systems-for-small-businesses/) - In today's connected world there are a growing number of options when it comes to small business telecommunications, so what's available and what fits your needs? Traditional telephone line The invention of the traditional telephone dates back to the 1800s and analogue phones were a mainstay for most homes and businesses throughout the 20th century.
- [Is It Possible To Be Optimistic During A Time Of Crisis?](https://www.dumbfunded.co.uk/guides/is-it-possible-to-be-optimistic-during-a-time-of-crisis/) - The world is battling to come to grips with the financial and health impact of the coronavirus. It begs the question, 'is there any chance for optimism during times of crisis?' In short, yes, it can be possible by adopting the correct mental attitude. Control is critical Martin Seligman, professor of psychology at the University
- [Conquering The Minor And Major Hiccoughs For Your Small Business](https://www.dumbfunded.co.uk/guides/conquering-the-minor-and-major-hiccoughs-for-your-small-business/) - There are many factors that have the potential to hinder your small business, and they can arise at any time and sometimes without warning. These unforeseen disasters can have a ruinous effect on your business, and small businesses in particular, usually get hit the hardest during such instances. So what can you do to protect
- [Who Gets Paid When A Company Goes Bust?](https://www.dumbfunded.co.uk/infographics/who-gets-paid-when-a-company-goes-bust/) - If a company were to go into liquidation or administration, would you know whether you were entitled to receive any outstanding payments or not? The infographic below is an easy to understand version of the UK insolvency law, showing the order of priority when it comes to paying out any remaining money once a business
- [What You Need To Secure A Personal Loan](https://www.dumbfunded.co.uk/personal-finance/what-you-need-to-secure-a-personal-loan/) - Personal loans can be a great way of financing the purchase of items that are difficult to afford at a particular moment in time. It may be that you need something quickly and don't have the time to save for it, replacing a broken washing machine for example, or that you simply want to spread
- [Dealing With An Unexpected Bill Or Expense? Don't Panic!](https://www.dumbfunded.co.uk/personal-finance/dealing-with-an-unexpected-bill-or-expense-dont-panic/) - An unexpected bill or expense is enough to leave anyone in the lurch, life has a habit of sneaking up on you with these things and catching you completely off guard. It could be anything from the washing machine packing up to a car breakdown or even a disaster like a fire or flood emergency,
- [How To Budget For A New Baby](https://www.dumbfunded.co.uk/personal-finance/how-to-budget-for-a-new-baby/) - Congratulations! The patter of tiny feet is on the way, and there's a lot of planning to do before the new baby arrives. One thing that you need to think about, especially if this is your first child, is how your finances will change after you've had your child. A lot of this will depend
- [Budgeting Tips for First Time Parents](https://www.dumbfunded.co.uk/guides/budgeting/budgeting-tips-for-first-time-parents/) - A guide on how to budget when your to become first time parents. Congratulations – you're pregnant! While it will most definitely be one of the most exciting events in your life, it can also be a huge financial commitment no matter how money savvy you are. Nothing can truly prepare you for having a
- [How Can I Improve A Bad Credit Score?](https://www.dumbfunded.co.uk/personal-finance/credit-rating/how-can-i-improve-a-bad-credit-score/) - Almost 75% of Brits don’t know their credit score according to a YouGov poll, while almost half of those surveyed have never tried to find out. If you’re guilty of this indifference when the time comes to seek a loan, your application could be tarnished by a bad credit score you didn’t even know you
- [Banks Offering Free Cash for New Account Holders](https://www.dumbfunded.co.uk/news/banks-offering-free-cash-for-new-account-holders/) - This time last year, one of the best things about switching bank accounts was the perks: different providers were very keen to entice people in as customers, so most banks were offering bonuses such as free cash for switching over. In most cases you could expect to get at least a hundred pounds for switching,
- [How Failing To Have An Updated Will Could Cost Uk Families £173 Billion](https://www.dumbfunded.co.uk/personal-finance/how-failing-to-have-an-updated-will-could-cost-uk-families-173-billion/) - For people across the UK, providing for the future of your family is one of the most central priorities in your life. Writing a will is hugely important in delivering peace of mind in this regard - and yet it is also something that many people find easy to forget about, or deliberately choose to
- [4 Ways To Future-Proof A Bathroom When Renovating For An Investment](https://www.dumbfunded.co.uk/investing/4-ways-to-future-proof-a-bathroom-when-renovating-for-an-investment/) - While you can never be quite sure when a property investment will pay off, you should always give yourself the best chance to get a great ROI when the right moment arrives. We all want to reduce property investment risks, which is why bathroom renovations should ideally look as great today as they will in
- [Preparing Your Finances For A Recession](https://www.dumbfunded.co.uk/personal-finance/preparing-your-finances-for-a-recession/) - Last month, the United Kingdom was officially declared to be in a recession. This happens when the economy shrinks for two quarters in a row. A shrinking economy essentially means that supply and demand have fallen out of balance: people are not buying as many goods and services and there aren't enough jobs to go
- [Monzo Plus: Is the New Account Worth Your Time?](https://www.dumbfunded.co.uk/personal-finance/monzo-plus-is-the-new-account-worth-your-time/) - Challenger bank Monzo are well loved for their sleek app design and great customer service – but this year has been a struggle for them. With losses of £113.8m for the year, their long-term outlook is not great, and they are looking for ways to squeeze more profit from their business. Enter the new Monzo
- [Credit Unions: Could They Work For You?](https://www.dumbfunded.co.uk/banking/credit-unions-could-they-work-for-you/) - We often talk about challenger banks like Monzo and Starling as a great alternative to the more old-fashioned high street chains. However, if you're weary of traditional banks then app-based banking isn't the only alternative available to you. You could also consider getting some of your financial services from a credit union. Let's explore what
- [How Covid 19 Has Affected Claims](https://www.dumbfunded.co.uk/insurance/how-covid-19-has-affected-claims/) - The prevailing Covid-19 pandemic has impacted almost all areas of life, and legal practice is not left out. As the pandemic continues, nearly every line of law practice is left with impacts to deal with. Covid 19 has affected various changes in most types of claims from personal injury, and car accident claims to clinical
- [Why Your Business Should Go Cashless This Year](https://www.dumbfunded.co.uk/guides/why-your-business-should-go-cashless-this-year/) - A cashless society has never been more appealing. Due to the pandemic, more and more people are trading their notes for plastic and digital cards in fear of contracting an infection while transacting in person. And while this is not the ideal push the world needs to make the big switch, it's enough impetus for
- [How To Save Money On Your Life Insurance](https://www.dumbfunded.co.uk/insurance/how-to-save-money-on-your-life-insurance/) - In this, our latest guide, we look at some of the best ways you can save money on your UK life insurance policy. Choose the right policy First things first, you need to make sure you've got the right type of policy for your circumstances as there are two main types to choose from; Term
- [Best Ways To Collect Funds For Non-Profit Organisation](https://www.dumbfunded.co.uk/guides/best-ways-to-collect-funds-for-non-profit-organisation/) - Funding is considered to be an essential part of non-profit organisations (NPOs). All the NGOs need fundraising throughout the years, lack of funding diverts a nonprofit's focus from their mission to raising funds in order to survive challenging the daily operations of the organisation. Out of many ways to collect funds for your nonprofit, in
- [Banking Customer Service Ranked In Official League Table](https://www.dumbfunded.co.uk/banking/banking-customer-service-ranked-in-official-league-table/) - For the last couple of years, the Competition and Banking Authority has required banks to publish information about their customer satisfaction, producing an official league table that can give customers a fair idea of the level of service provided. While customer service isn't everything in banking, it's important to know that help will be on
- [Do Your Hiring Practices Need A Makeover? Here's How You Can Tell](https://www.dumbfunded.co.uk/guides/do-your-hiring-practices-need-a-makeover-heres-how-you-can-tell/) - Getting people to want to work at your firm is part and parcel of running a successful business. And it always has been. Companies that were able to attract the most talented people were often those that rose to the top of their industries. Hiring in the modern world, though, is slightly more challenging than,
- [How To Set A Marketing Budget For Your Small Business](https://www.dumbfunded.co.uk/business/how-to-set-a-marketing-budget-for-your-small-business/) - The success of your small business depends on a range of factors. Among the most important of these is your ability to spread your message. After all, your would-be customers aren't going to be able to spend their money on your products and services if they don't know that you exist. Marketing is the means
- [Steps To Educate People On Blockchain Technology](https://www.dumbfunded.co.uk/investing/steps-to-educate-people-on-blockchain-technology/) - Bitcoins is one of the latest technologies in the world of trading, and not everyone understands it entirely. Causing traders to shy away from trading using cryptocurrency like Bitcoins. Knowing everything there is to know about Bitcoins will enable traders to start acquiring cryptocurrency and experience this technology to its full capacity. Currently the number
- [Steps In Transforming Bitcoins To A Valid Currency](https://www.dumbfunded.co.uk/investing/steps-in-transforming-bitcoins-to-a-valid-currency/) - Many countries are welcoming Bitcoins. Bitcoins are virtual money that can be stored in a digital wallet and can be spent on shopping as well as making transactions through websites. To learn how to make transactions through websites, see the video for the complete process. The value of the Bitcoins varies daily depending upon a
- [Boost Your Savings When It Seems Impossible](https://www.dumbfunded.co.uk/personal-finance/boost-your-savings-when-it-seems-impossible/) - Building a savings account with enough money set aside for emergencies can seem like an impossible goal. It is generally recommended to have anywhere from 3 months to a year's worth of cash that is available should the need arise. Considering how many people live from paycheck to paycheck, the idea of having a savings
- [10 Great Ways To Attract Customers To Your Retail Store](https://www.dumbfunded.co.uk/guides/10-great-ways-to-attract-customers-to-your-retail-store/) - The purpose of any small business is to attract customers to make money, and if yours isn't doing that or isn't making as much money as you usually do, then something is wrong. Unfortunately, there are a lot of things that you could be doing wrong, and there is no one-size-fits-all solution to a customer
- [Biggest Drop In Uk Employment Since 2009](https://www.dumbfunded.co.uk/careers-employment/biggest-drop-in-uk-employment-since-2009/) - Between April and June this year, 220,000 workers lost their jobs – the biggest quarterly drop in employment since May – July 2009, during the peak of the recession. Many people have been let go due to company cutbacks, whilst some businesses have folded all together and left their employees out of work. The office
- [Money vs. Divorce: How Budgeting Properly Could Avoid A Broken Marriage](https://www.dumbfunded.co.uk/guides/money-vs-divorce-how-budgeting-properly-could-avoid-a-broken-marriage/) - Marriages are tricky things, and spending your whole life with one person takes serious work. Ultimately, avoiding divorce or the annulment of a marriage is the ultimate goal, but how? Did you know that effective budgeting of your finances is one of the best ways to keep your marriage afloat? Making sure you have your
- [Why Other Cryptocurrencies Failed- Here's Is What Will Affect Successes In The Future](https://www.dumbfunded.co.uk/investing/why-other-cryptocurrencies-failed-heres-is-what-will-affect-successes-in-the-future/) - Cryptocurrencies have been making headlines in every discussion for a long time now. Investors have been taking the route of using crypto assets for transactions. They believed that crypto trading offered privacy and has low service charges as compared to fiat money transactions. However, not every investor was ready to try this digital means of
- [7 Factors To Think About When Choosing Business Accounting Software](https://www.dumbfunded.co.uk/business/7-factors-to-think-about-when-choosing-business-accounting-software/) - Back in the day, maintaining the books for your business meant that you had to record figures in a paper ledger. But these days, that's no longer necessary. Businesses of all sizes are now using a wide range of different accounting software programs in order to track their revenue, forecast sales, and manage their inventory.
- [Unexpected Events And How You Can Save For Every Eventuality](https://www.dumbfunded.co.uk/guides/unexpected-events-and-how-you-can-save-for-every-eventuality/) - In life, we never know what is around the corner. Which is why it can be so important to ensure that we try and plan for every kind of eventuality, especially something that will have a negative impact on our finances. Money makes the world go round, if you suddenly don't have your normal income,
- [Five Ways To Improve Your Mortgage Application](https://www.dumbfunded.co.uk/personal-finance/five-ways-to-improve-your-mortgage-application/) - According to some research put out this month, around 50% of mortgage applications made in 2020 so far have been declined by the bank – and that's despite the applicants having been accepted for a mortgage in principle before trying to buy. It's clearly a real issue for would be homeowners, who are put in
- [Finding The Right Forex Trading Platform](https://www.dumbfunded.co.uk/investing/finding-the-right-forex-trading-platform/) - Forex trading can be a lucrative experience – and an enjoyable one too, for those with the right mindset. Once you've started building up your knowledge for the Forex market and honing crucial skills such as market analysis and risk management, you may feel as though you're ready to start maximising your profits. In reality,
- [Dealing Shares: How To Get Started](https://www.dumbfunded.co.uk/investing/dealing-shares-how-to-get-started/) - We talk a lot about investing money on this site, since it's a great way to passively increase your money if you already have an emergency savings cushion in place and can afford to risk potential losses. Usually, though, we look at simple types of investment that anybody can do with a little bit of
- [4 Daunting Retirement Mistakes to Avoid Entirely](https://www.dumbfunded.co.uk/guides/4-daunting-retirement-mistakes-to-avoid-entirely/) - The fact that you have realised the importance of retirement investment and are ready to put your money in place for a healthy and peaceful future may be the best decision of your life. Unfortunately the road from there isn't completely straight forward, but one that has a lot of traps and pitfalls for those
- [Finance Talk: 8 Reasons Your Company Needs Business Insurance](https://www.dumbfunded.co.uk/business/finance-talk-8-reasons-your-company-needs-business-insurance/) - Business insurance is a key element of any business plan, and may save you a lot of money in the long-run. So, to discover more about it and to why to get it, read on. Getting business insurance can often seem like a huge hassle. There are so many different types of insurance out there,
- [Improve Your Chances Of Being Approved For A Business Loan](https://www.dumbfunded.co.uk/business/improve-your-chances-of-being-approved-for-a-business-loan/) - Getting a loan could really help your small business to get through the financial turmoil of the current moment. Unfortunately, every company has had the same idea – and banks are tightening their lending criteria. If you want to get approved for finance then you need to make sure that you're putting your best foot
- [Government To Start Investigating Furlough Fraud](https://www.dumbfunded.co.uk/business/government-to-start-investigating-furlough-fraud/) - The news that a businessman from the West Midlands has been arrested on suspicious of committing some pretty serious furlough fraud – to the tune of £495,000 – seems to be an indication that the government are about to get serious about taking back money that was claimed incorrectly. It's no surprise that the government
- [Building Your Investment Portfolio](https://www.dumbfunded.co.uk/investing/building-your-investment-portfolio/) - One of the biggest changes that you can make when trying to secure your long-term finances is starting to invest. While your return is never guaranteed, the results that you'll get from investing money will typically far outstrip any interest that you could earn through a simple savings account. Although it can be a challenge
- [6 Universities In The South That Have A Low Cost Of Living](https://www.dumbfunded.co.uk/guides/6-universities-in-the-south-that-have-a-low-cost-of-living/) - Tuition fees at British universities can get very expensive, and somewhat prohibitive for certain students. The good news is there are tons of great universities all across the UK, and many offer affordable tuition to students. They might take a little more research, however, especially if you wanted to stay in a specific region like
- [Banking And Finance Support For Small Business Owners](https://www.dumbfunded.co.uk/apps/banking-and-finance-support-for-small-business-owners/) - Small business banking doesn’t have to be a headache. If you run a small company, or you work for yourself as a sole trader, then you probably aren’t ready to start hiring a finance team – but you’ll still need to crunch some numbers from time to time. Luckily, there’s plenty of help and support
- [Zero Stamp Duty Ignites The UK Property Market](https://www.dumbfunded.co.uk/guides/zero-stamp-duty-ignites-the-uk-property-market/) - The UK property market has received that all important helping hand with Stamp Duty Land Tax set at zero for all Homebuyers who plan to buy a property under £500,000. (The Tax is not zero for Investors) Subsequently mortgage enquiries are rocketing with potential Buyers checking out what they can afford. The forthcoming weeks are
- [Summer Budget 2020: A Boost For Businesses](https://www.dumbfunded.co.uk/business/summer-budget-2020-a-boost-for-businesses/) - Chancellor Rishi Sunak has issued an urgent summer statement to help people get to grips with their finances as we begin to re-open our country – many are calling this package of announcements the summer 'mini-budget'. A lot of different groups need support and these new measures aim to distribute financial help across ta variety
- [How To Be Inexpensively Visual With Your Business](https://www.dumbfunded.co.uk/business/how-to-be-inexpensively-visual-with-your-business/) - Branding can get expensive and in today's economy an advertising makeover can seem like an impossible endeavour. Unfortunately sometimes you have to spend money to make money, and without proper advertising it can be challenging to turn a profit. An easy and inexpensive way to advertise for your business and space with professional decor is
- [How Do Payday Loans Affect Your Credit Score](https://www.dumbfunded.co.uk/loans/how-do-payday-loans-affect-your-credit-score/) - Before applying for a short term payday loan, it is important to consider how this will affect your credit score and future lending applications. What is a Payday Loan? As the name suggests, payday loans are designed to be paid back, with interest in your next wage. They offer the ability to borrow between £100
- [Lockdown Savings Soar... But Interest Dwindles](https://www.dumbfunded.co.uk/money-saving-3/lockdown-savings-soar-but-interest-dwindles/) - It might not be surprising that shutting up all the apps and sending would-be holidaymakers refunds instead of plane tickets has led to a surge in the amount of money being saved by average households across the UK. Figures shared by the BBC show that people have been saving an average of 8.6% of their
- [How Are Surety Bonds And Credit Linked](https://www.dumbfunded.co.uk/insurance/how-are-surety-bonds-and-credit-linked/) - Surety bonds are a special kind of bond that have special "fail-safes" associated with them so that it makes it much more difficult for anyone to commit fraud through acquiring a surety bond. Unfortunately though, if you're someone who doesn't have a great credit score, it can make it very difficult for you to get
- [£38million Boost For Debt Advice](https://www.dumbfunded.co.uk/news/38million-boost-for-debt-advice/) - The government have announced a new £38million funding package to help debt advice companies reach more people with support and advice. The money has been released in response to concerns that the Covid-19 crisis has forced many people further into debt. The new funds will be given to debt advice services – themselves struggling with
- [All Businesses Will Need Employee Wellbeing Programmes In Future](https://www.dumbfunded.co.uk/guides/all-businesses-will-need-employee-wellbeing-programmes-in-future/) - Write down the date of the day you read this because what you're about to become aware of, is the future of business. The issue of mental health in society has been brewing in the background for quite some time. Nowhere is it as important, than in the workplace itself. You're in confined quarters, sharing
- [How To Encourage Customers To Leave Positive Reviews](https://www.dumbfunded.co.uk/guides/how-to-encourage-customers-to-leave-positive-reviews/) - Customer reviews are an essential part of your marketing strategy. Consumers read, on average, 10 online reviews before trusting a new business and 73% of people say that they trust a local business more if it has positive reviews. Interestingly, roughly 40% of consumers only take into account reviews that have been posted in the
- [Banks Tighten Their Control On Mortgage Lending](https://www.dumbfunded.co.uk/personal-finance/banks-tighten-their-control-on-mortgage-lending/) - For those looking to take out a mortgage, and particularly anybody in the position of getting a mortgage on their first home, the property market is looking a little less friendly this week. Banks have lined up to announce new restrictions and charges, increasing their interest rates and limiting the availability of high loan-to-value deals.
- [How To Get Your Hands On Emergency Cash](https://www.dumbfunded.co.uk/personal-finance/how-to-get-your-hands-on-emergency-cash/) - Even the best-prepared budgeters sometimes need to lay their hands on quick cash. Unexpected expenses such as vet bills or home repairs can creep up on you, and may mean that you need to come up with a sizeable sum of money in a short space of time. This doesn't need to be a panic
- [Three Things You Need To Know About Balancing Business Expenditure](https://www.dumbfunded.co.uk/business/three-things-you-need-to-know-about-balancing-business-expenditure/) - Expenditure is an unavoidable part of business; you have to spend money to make money. Of course, if you can get away with spending less then you should, unless you're jeopardising quality. It's a delicate art, balancing income and outgoings. On one hand you want to keep your bottom line as low as possible, but
- [Learn About Equity Release And How It Works](https://www.dumbfunded.co.uk/guides/learn-about-equity-release-and-how-it-works/) - Homeowners, throughout different times in life, might explore the idea of remortgaging to release equity in their homes. By accessing the money, they can use it or spend it to clear any loans, home improvement, or maybe to support someone, or for any other purpose. Lately, there has been a noteworthy increase in the number
- [Shops Re-Opening: Here's How To Keep Yourself Safe](https://www.dumbfunded.co.uk/retail-shopping/shops-re-opening-heres-how-to-keep-yourself-safe/) - With the news that all non-essential shops will be allowed to re-open from Monday 15 June, a lot of people will be getting ready to hit the high street and indulge in some retail therapy. But although lockdown is being eased, the importance of following social distancing and other public health guidelines hasn’t changed. Here
- [New Moneyskills App Launched By Centre For Business In Society](https://www.dumbfunded.co.uk/education/new-moneyskills-app-launched-by-centre-for-business-in-society/) - We're forever talking about the importance of budgeting, but if you've never done it before then building a budget for the first time can be pretty intimidating. It doesn't have to mean complex spreadsheets: there are apps that can do it all for you, right from the comfort of your mobile phone. And when it
- [5 Household Changes That Can Slash The Cost Of Your Utility Bills](https://www.dumbfunded.co.uk/guides/5-household-changes-that-can-slash-the-cost-of-your-utility-bills/) - If there's one thing everyone can agree on, it's the fact none of us enjoy paying our bills, having half your pay check disappear almost instantly as all of your bills go out. Although there are a number of ways to cut down on the expense of your bills, whether it be looking around to
- [Essential Ingredients For Building A Successful Business](https://www.dumbfunded.co.uk/guides/essential-ingredients-for-building-a-successful-business/) - Although you've worked hard to get your business up and running, it's only the beginning. To have a successful business, you must be dedicated to putting measures in place that will guarantee a bright future. There are a few essential ingredients you should put in place if you want to experience long-term success. Focusing on
- [How To Improve Your Customer Engagement](https://www.dumbfunded.co.uk/guides/how-to-improve-your-customer-engagement/) - A company that has a solid relationship with their customers will always be in a strong position. After all, it's not bringing onboard new customers that bring success (even though many company bosses think this is the case); it's having a loyal customer base that'll do that. If you're not engaging with your customers, then
- [Buy Now Pay Later: Good Deal Or Dubious Debt?](https://www.dumbfunded.co.uk/personal-finance/buy-now-pay-later-good-deal-or-dubious-debt/) - People who have bought something online in recent months may have been promoted with a new option: use a service such as Klarna to pay for your shopping at a later date. While store credit had long been an option, services like Klarna and Afterpay are making it easier than ever: simply fill out some
- [The Employee Satisfaction Checklist: 15 Ways to Invest in Your Employees](https://www.dumbfunded.co.uk/business/human-resources/the-employee-satisfaction-checklist-15-ways-to-invest-in-your-employees/) - Want to boost employee satisfaction to improve your workforce? Invest in your employees, in these 15 ways, and you’ll set everyone up for success… According to studies on employee satisfaction over the years, around half of UK employees are considering a new job due to the lack thereof. From this, it’s clear to see that
- [How to Save Money on the Latest iPhones](https://www.dumbfunded.co.uk/technology/mobile-phone/how-to-save-money-on-the-latest-iphones/) - Everybody wants the latest smartphone handsets, especially iPhone fans, who are always quite excited when a new release is announced. Whether you always keep up to date with the latest tech or tend to stick with what you have until it’s falling apart and there’s little choice but to replace it, treating yourself to the
- [Mainstream Lenders Hoping To Resume Lending In June 2020 ](https://www.dumbfunded.co.uk/guides/mainstream-lenders-hoping-to-resume-lending-in-june-2020/) - The majority of private UK lenders are hoping to continue lending money to borrowers and businesses from 1st June. This follows a period of over two months where most private lenders have avoided lending out money during covid-19. Bournemouth-based Amigo Loans were the first mainstream lender to confirm that they were not dishing out further
- [Car Dealerships Set To Re-open On 1st June](https://www.dumbfunded.co.uk/cars/car-dealerships-set-to-re-open-on-1st-june/) - The UK's car dealerships are set to re-open on 1st June following over 10 weeks of closure due to the coronavirus pandemic. The news announced by the Prime Minster, Boris Johnson, is part of a wider plan to open all non-essential retailers and shops by 15th June. The update of car dealerships re-opening will be
- [Know Your Pension Allowance](https://www.dumbfunded.co.uk/personal-finance/know-your-pension-allowance/) - Pensions are a critical component of a retirement plan. The pension system in the UK is ranked highly throughout the world, not only for the retirement benefits, but also for the tax relief received on payments made towards pension accounts. All individuals living and working in the UK with a UK National Insurance Number, are
- [Is It Safe To Use A Challenger Bank For A Bank Account?](https://www.dumbfunded.co.uk/guides/is-it-safe-to-use-a-challenger-bank-for-a-bank-account/) - Challenger banks have become an increasingly popular alternative to traditional banking, with the likes of Monzo, Tide, Revolut and Starling Bank gaining more market share and are currently used by 20% of Britons. Challenger banks are safe to use since they carry most of the same regulations and rules as a traditional bricks and mortar
- [ESTA: Everything You Need To Know About Visiting The US VISA Free](https://www.dumbfunded.co.uk/travel/esta-everything-you-need-to-know-about-visiting-the-us-visa-free/) - America has some of the most stunning sights in the world – from the beautiful boulevards of Hollywood to the bustling hubbub of New York; from the towering Rocky Mountains to the sweeping majesty of the Grand Canyon. Dreaming of a holiday in the US! Before you go booking your holiday for a time when
- [Redundancy: Your Rights And Next Steps](https://www.dumbfunded.co.uk/careers-employment/redundancy-your-rights-and-next-steps/) - Businesses across many different industries are finding themselves struggling to make ends meet, and unfortunately it's often the employees who pay the price. While the government have tried to offer support in the form of options such as the furlough scheme and new types of low-interest business loan, the reality is that many companies are
- [6 Gadgets You Can Recycle For Cash](https://www.dumbfunded.co.uk/guides/6-gadgets-you-can-recycle-for-cash/) - If like most of us you have draws stuffed with unused mobile phones and gadgets that rarely if ever see the light of day anymore, you could be sitting on a pile of cash. We recently gave mobile phone and gadget comparison site CompareAndRecycle.co.uk a go, and were able to find the price of every
- [Self-employed? Why Protecting Yourself In Case Of Illness Matters](https://www.dumbfunded.co.uk/personal-finance/self-employed-why-protecting-yourself-in-case-of-illness-matters/) - There are lots of perks to being self-employed. You can 'be your own boss', as they say, choose your own hours, and work from the comfort of your own home (or your favourite coffee shop). You can pause for a spot of yoga when you feel like it, achieve the holy grail of 'work-life balance',
- [How Have Investment Trusts Developed Into A UK Financial Institution?](https://www.dumbfunded.co.uk/investing/how-have-investment-trusts-developed-into-a-uk-financial-institution/) - Today investment trusts are a common feature of the UK financial institution, managing in total over £200 billion in assets. Although this is dwarfed by the £9.1 trillion in assets managed by the wider investment industry in the UK, investment trusts are an integral part of the investment network operating in the UK. Whilst investment
- ['Bounce Back' Loans Of Up To 50k Now Available For Uk Small Businesses](https://www.dumbfunded.co.uk/business/bounce-back-loans-of-up-to-50k-now-available-for-uk-small-businesses/) - The Government's new Bounce Back Loan Scheme (BBLS) has been launched to give smaller businesses a chance to get back on their feet in the midst of uncertain economic conditions caused by the current lockdown. The loan scheme allows businesses to borrow up to 25% of their turnover, with a max value of £50,000. While
- [3 Ways to Save Money for the Long-Term By Spending More Now](https://www.dumbfunded.co.uk/guides/3-ways-to-save-money-for-the-long-term-by-spending-more-now/) - When most people think of saving money for the long term, they often search for ways to reduce costs. It could be buying cheaper clothes, low-quality equipment, inexpensive cars, or not thinking about services like insurance and security. However, these things might be suitable for the time being, but the plan can backfire sooner or
- [Top Finance KPIs Every Hotel Business Must Measure In 2020](https://www.dumbfunded.co.uk/business/top-finance-kpis-every-hotel-business-must-measure-in-2020/) - Anyone who manages a hotel, or a chain of hotels, should understand that there are a lot of different moving parts that you need to keep track of if you want to make things a success. Getting the most out of your business means regularly measuring a range of different essential KPIs – things that
- [Avoid These 5 Printing Mistakes To Save Money For Your Business](https://www.dumbfunded.co.uk/money-saving-3/avoid-these-5-printing-mistakes-to-save-money-for-your-business/) - No matter whether you're working from home or at the office, your business will occasionally still need a printer for some urgent document. Email and cloud sharing notwithstanding, there's sometimes a need for someone to sign a contract or perhaps you need to put up a notice. Whatever the reason, make sure you don't end
- [Why You Should Avoid High Cost Loans During Coronavirus](https://www.dumbfunded.co.uk/guides/why-you-should-avoid-high-cost-loans-during-coronavirus/) - As the number of coronavirus cases in the UK surpass 165,000, Brits may be growing increasingly concerned about the impact the pandemic will have, not just on their physical health, but also their finances. With unemployment rising and higher than the recession of 2008, thousands of businesses have closed up shop and made drastic cuts
- [Why Did Companies Cease Lending During Coronavirus?](https://www.dumbfunded.co.uk/guides/why-did-companies-cease-lending-during-coronavirus/) - Companies have ceased lending amidst the coronavirus pandemic, concerned that customers will struggle to afford repayments during the current climate. The COVID-19 crisis has raised major concerns, not just for people's health and wellbeing, but also their financial stability. Earlier this month, it was reported that over 2 million people in the UK had become
- [Payday Loans And Car Finance Customers Get 1 Month Payment Holiday Due To Coronavirus](https://www.dumbfunded.co.uk/guides/payday-loans-and-car-finance-customers-get-1-month-payment-holiday-due-to-coronavirus/) - UK lenders are now required to offer payment holidays to borrowers affected by coronavirus, as per a new rule imposed by the Financial Conduct Authority (FCA) on the 27th April. The coronavirus pandemic has changed much of the way we live, raising concerns not only with our health, but also our financial stability. Earlier this
- [Are Social Media Giants Doing Enough To Curb Scamming](https://www.dumbfunded.co.uk/news/are-social-media-giants-doing-enough-to-curb-scamming/) - When the likes of Mark Zuckerberg and Jack Dorsey started creating the social media platforms that have connected people across the globe, they couldn't have predicted that those platforms would one day be used for sophisticated financial scams. Unfortunately, though, this is the position that we're now in: many fraudsters take to sites like Facebook
- [The Equal Pay Act UK: Everything You Need To Know](https://www.dumbfunded.co.uk/guides/the-equal-pay-act-uk-everything-you-need-to-know/) - The Equal Pay Act is one of the main forms of protection we employees have. So, how does it ensure that discrimination is eradicated from the UK workforce? Discover more, here… Think you might be receiving less pay than someone else in your workplace, based on your gender? Perhaps you suspect it, but are unsure
- [Free Activities To Keep You Entertained During Lockdown](https://www.dumbfunded.co.uk/personal-finance/free-activities-to-keep-you-entertained-during-lockdown/) - Some of our favourite free or cheap days out – a trip to the local park or wander round your favourite museum, for instance – are currently off the table. That doesn't mean that there's nothing to do, though. Lots of organisations have rolled out free entertainment to help keep you engaged while stuck at
- [Concerns Over Refunds For UK Holidaymakers](https://www.dumbfunded.co.uk/personal-finance/concerns-over-refunds-for-uk-holidaymakers/) - After countries began to close their borders and cancel flights earlier this year, it became clear to thousands that their spring and summer holidays would not be going ahead as planned. It seemed as though those who were left out of pocket due to cancelled holidays would be reimbursed for their failed plans, and most
- [4 Things You Should Consider when Picking an Email Service Provider](https://www.dumbfunded.co.uk/business/4-things-you-should-consider-when-picking-an-email-service-provider/) - On the surface, all email service providers can look the same, especially if it’s your first time looking for one. But they do have some fundamental differences that could make a direct impact on how successful your campaigns are, how easy they will be to manage, and how versatile they can be. This is why
- [Don't Spend A Fortune Decking Out Your Premises: Do This Instead](https://www.dumbfunded.co.uk/business/dont-spend-a-fortune-decking-out-your-premises-do-this-instead/) - There are a lot of companies out there that spend a small fortune on decking out their premises. But whether there are many benefits to going down the expensive route remains to be seen. Spending a lot of money seems like a good idea until you drill down into the details and look for the
- [When It All Looked Good On Paper: Avoiding Surprises With Car Finance](https://www.dumbfunded.co.uk/cars/car-finance/when-it-all-looked-good-on-paper-avoiding-surprises-with-car-finance/) - Purchasing a car can evoke excitement for an individual. For some it is a rite of passage; it might be your first big purchase or the first time you take out finance. You might be so thrilled by the prospect of a first or new car and this new experience to test your wings, that
- [Four Reasons To Give The Utopia Peer-To-Peer Messaging Platform A Try](https://www.dumbfunded.co.uk/investing/cryptocurrency/four-reasons-to-give-the-utopia-peer-to-peer-messaging-platform-a-try/) - We're all responsible for our own security and privacy online, and we need to make an important decision about how much we're willing to share with big companies just because they make our lives easier. Commercial apps are notorious for spying on their users and leaving us open to security vulnerabilities, but we carry on
- [5 Myths About Payday Loans, Debunked](https://www.dumbfunded.co.uk/guides/5-myths-about-payday-loans-debunked/) - Payday loans are an often hotly debated topic, however, there are a lot of common misconceptions that are often not addressed. This is something that can have a profound effect on the number of people that are applying for loans or even lead them to getting into debt due to a lack of true information.
- [What Happens If You Are Furloughed?](https://www.dumbfunded.co.uk/guides/what-happens-if-you-are-furloughed/) - It has recently been reported that half of UK companies are now seeking to furlough at least some of their employees in response to the COVID-19 outbreak. This could represent around 3million people, a huge and unprecedented shift for the public sector workforce. Many of us, though, had never heard of 'furloughing' until it began
- [Blockchain and Crypto Security Issues [in 2020]](https://www.dumbfunded.co.uk/guides/security/blockchain-and-crypto-security-issues/) - So you’ve been hacked. Your bags of cryptocurrencies are gone. Stolen by some nefarious neckbeard dwelling in a dark basement. Now what? First of all, calm down. You’re not alone. There’s an article in Forbes by Jeb Su and the title tells us all we need to know: “Hackers Stole Over $4 Billion From Crypto
- [Ways To Improve Your Credit Score](https://www.dumbfunded.co.uk/personal-finance/ways-to-improve-your-credit-score/) - You are probably aware of the importance of having a good credit score when it comes to applying for any kind of financial help. Many people actually do not know what their own credit score is but, it is actually very valuable to know what your credit score is to see if you need to
- [Support For The Self-Employed](https://www.dumbfunded.co.uk/guides/support-for-the-self-employed/) - Over the past couple of weeks, the government have introduced a raft of new measures to help financially support people through the COVID-19 crisis. These have included offers to pay the wages of those who are no longer able to work, changes to make the benefit system more generous and various different options for businesses
- [Are Employee Benefits Cost-Effective?](https://www.dumbfunded.co.uk/business/are-employee-benefits-cost-effective/) - As a business owner, you always need to be aware of what is going to make you money and what is going to waste it. No matter what size of company you might run, you need to make sure that all areas of your business are as cost-effective as possible. One of the key areas
- [Top Traits Of A Taxi Driver](https://www.dumbfunded.co.uk/guides/top-traits-of-a-taxi-driver/) - If you've ever considered a career as an Uber, minicab or black cab driver, it's relatively easy to get started. In theory, all you need to be a taxi driver is a vehicle, the correct licence and taxi insurance, but there are some special skills that would help you excel. There's a growing need for
- [5 Ideas To Go Green & Save Your Business Money](https://www.dumbfunded.co.uk/business/5-ideas-to-go-green-save-your-business-money/) - Whether you’re a new startup or an established mid-sized business, you’ll likely welcome the idea of saving your company money. Perhaps you’ve tried cutting your expenses and using financial planning applications? Adopting greener solutions is not just great for the planet, but it’s also great for your business bank balance. There are plenty of ways
- [What Are The Best Areas For Manchester property Investment?](https://www.dumbfunded.co.uk/investing/what-are-the-best-areas-for-manchester-property-investment/) - While the property market in the UK has witnessed a period of instability or stagnation in recent years, with arguments surrounding Brexit, political ineffectiveness and a slowing economy dominating the conversation. Property prices in Manchester have witnessed against the grain growth. Previously part of the industrial heartland of the UK, today Manchester is one of
- [Uk Interest Rates Cut To Lowest Ever Levels](https://www.dumbfunded.co.uk/news/uk-interest-rates-cut-to-lowest-ever-levels/) - This week, the Bank of England announced that interest rates would be cut to 0.1%, representing the lowest rate there has been since the Bank opened 325 years ago. The rate had already been cut from 0.75 to 0.25% last week, as part of a range of financial measures designed to help both individuals and
- [Boost Your Business Marketing With These Awesome Strategies](https://www.dumbfunded.co.uk/guides/boost-your-business-marketing-with-these-awesome-strategies/) - Finding ways to boost your marketing for your business is not an easy task, but one that doesn't have to be over complicated either. If you are stuck on how to go about this, it is a good thing that you have come across this article because we are going to be discussing some of
- [Budget 2020 Round-Up](https://www.dumbfunded.co.uk/guides/budget-2020-round-up/) - Now that the budget has been and gone, we have a better idea of the government's spending priorities for the year ahead. This year’s budget has been under the shadow of Coronavirus, so many of the announcements have been emergency measures to help the country deal with coronavirus – we’ll take a quick look at
- [Home And Office Security Mistakes That Put You At Risk](https://www.dumbfunded.co.uk/guides/home-and-office-security-mistakes-that-put-you-at-risk/) - No matter your place of residence, home security is vital. It is something you will have to address sooner or later. It is crucial to consider doing so before something happens to your property. If you want to take your home security to a new level, here are some tips that you could use to
- [Small Businesses Turn To Alternative Funding](https://www.dumbfunded.co.uk/business/small-businesses-turn-to-alternative-funding/) - When the bigger banks and conventional funding options don't offer quite what your small business needs, it isn't time to give up – instead, you can turn to one of the many alternative funding options on offer across the UK. This is what the nation's small businesses have started doing, and today we’re going to
- [Money-Saving Tips To Make Your Office Relocation Cost-Effective](https://www.dumbfunded.co.uk/guides/money-saving-tips-to-make-your-office-relocation-cost-effective/) - If you are planning an office move, there are a lot of things that you will need to take into consideration, for example, where you are relocating to, how long it will take, costs and how you will get your equipment from your current office to your new location. Since there are a lot of
- [The 10 Most Important Skills For A Successful Career In Finance](https://www.dumbfunded.co.uk/recruitment-2/the-10-most-important-skills-for-a-successful-career-in-finance/) - Numeracy is one of the obvious skill, but what other skills would one need to gain a successful career in finance? We've sought advice from Martin Parr, Senior Manager at Sellick Partnership. Martin Parr is a specialist finance and accountancy recruitment firm with offices across the UK. Every day Martin works with companies in the
- [5 Ways To Make Money Out Of Your Property ](https://www.dumbfunded.co.uk/investing/5-ways-to-make-money-out-of-your-property/) - With the emergence of the sharing economy, homeowners are finding new and creative ways to make money out of their properties. From renting out a spare room to selling outgrown baby clothes online, you can seriously boost your income by using your home. For instance, in the UK you can earn an extra £7500 tax-free just
- [Covid-19 Financial Guide](https://www.dumbfunded.co.uk/news/covid-19-financial-guide/) - Given the wide spread news about Covid-19 (coronavirus), and the fact that the UK government has been candid about the potential for it to spread more widely across the UK, you may be wondering what the outbreak means for your wallet and your travel plans. If you need medical information, or want to know the
- [Learn To Trade This World Book Day With Ig’s Top 10 Trading Books!](https://www.dumbfunded.co.uk/investing/learn-to-trade-this-world-book-day-with-igs-top-10-trading-books/) - World Book Day is not just a day for school children to dress up as their favourite character in a book. Businesses can benefit from World Book Day too. World-leading online trading and investments provider, IG, shares 10 vital must-reads for anyone who wants to know more about managing their money: When most people think
- [First Time Investor? Ease the Pain of Property Investment](https://www.dumbfunded.co.uk/guides/first-time-investor-ease-the-pain-of-property-investment/) - Property investment isn't exactly something that just anyone can get involved with. It takes a certain amount of determination and dedication, as well as money, to start investing in property and perhaps building a portfolio. Investing in property isn't something you can start doing in a day. It takes a lot of consideration, and there
- [A Very Public Guided Tour Of Your Headquarters](https://www.dumbfunded.co.uk/guides/a-very-public-guided-tour-of-your-headquarters/) - There are millions of businesses out there, why should anyone care about yours? Introductions are only made once, so when you're trying to get yourself heard and noticed, planning your big hello, is crucial. The best way to introduce your business to the masses is with a guided tour of your office. Consumers want to
- [How Self Storage Can Help You Downsize](https://www.dumbfunded.co.uk/guides/how-self-storage-can-help-you-downsize/) - Downsizing your home is a great way to save money or unlock a bit of equity from your property. If you have raised kids in a large family home, then you might find yourself with too much space on your hands after your children move away. Alternatively, you may want to downsize so that you
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- [How To Fix Broken House Sale Chains](https://www.dumbfunded.co.uk/guides/how-to-fix-broken-house-sale-chains/) - Property chains are common in the UK. If the successful completion of a house sale is reliant on the sale of at least one other property, the individuals involved are in a property chain. Almost half (49.8%) of all house sales in England and Wales fell through in the final quarter of 2018 and problems
- [Tips To Fix  A Broken House Sale Chain](https://www.dumbfunded.co.uk/guides/tips-to-fix-a-broken-house-sale-chain/) - In the current UK housing market, approximately 1 in 3 of sales fall through. This can occur for several reasons including buyers or sellers having a change of heart, problems at survey or lenders pulling their mortgage offers. If you add these problems to the erroneous practices that are common when selling a house –
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- [The Difference Between The Call And Put Options ](https://www.dumbfunded.co.uk/investing/the-difference-between-the-call-and-put-options/) - Options are financial products used by investors to make profits or reduce risks on current investments. Both of these are agreements to purchase investments at specific prices by specific dates. Options trading give the investor a right, yet not an obligation to buy or sell shares at special prices and at any time, so long
- [Has Your Bank Signed Up To The SME Finance Charter?](https://www.dumbfunded.co.uk/business/has-your-bank-signed-up-to-the-sme-finance-charter/) - Small business owners concerned about how the turbulence of Brexit will affect their finances might be relieved to know that many of the country's main banks have signed up for the government's SME Finance Charter. This is a commitment from banks stating that they will help their small and medium sized business customers by providing
- [How To Maximise Your Investment In Blue Chip Stocks](https://www.dumbfunded.co.uk/investing/blue-chip-stocks/) - Blue chip stocks are a perfect tool for investors with long-term financial goals and objectives, such as retirement or buying a second home.
- [What Do Accountants Actually Do?](https://www.dumbfunded.co.uk/guides/what-do-accountants-actually-do/) - Jobs in accountancy are often said to be recession proof. Without accountants the world of business simply doesn't function and monetary transactions won't take place. All transactions of a financial nature need to be accounted for in the modern world so an accountant is never short of work to do. The typical duties of an
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- [Investing In Art: A Guide For Beginners](https://www.dumbfunded.co.uk/guides/investing-in-art-a-guide-for-beginners/) - If you want to get started in investment, or you think it's time to diversify your portfolio, then you might want to consider investing in art. The fact that your money is going into a creative pursuit means that art investment can seem to have more soul than some of the other options out there
- [Top Tips To Fund Your Small Business](https://www.dumbfunded.co.uk/guides/top-tips-to-fund-your-small-business/) - When a new business owner wants to buy a business, they often wonder, "what top tips are there to fund my small business?" When you are new to the world of finance companies, you may be overwhelmed by all of the different types of financing available. A reputable funding source will review your business, find
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- [4 Reasons To Use A Claims Management Company](https://www.dumbfunded.co.uk/guides/4-reasons-to-use-a-claims-management-company/) - There may be many reasons why a customer feels they have been unfairly treated by a company and are owed financial compensation. Whether you're claiming for flight delays, mis-sold mortgages or another type of grievance, submitting a complaint can be complex and time-consuming. Compensation equating to billions of pounds goes unclaimed every year because consumers
- [Overseas Property Investment: Promising Locations](https://www.dumbfunded.co.uk/investing/overseas-property-investment-promising-locations/) - Many a British visitor to Europe has experienced a double-take moment after taking a casual glance in an estate agent's window and many a British visitor has made an impulse buy as a result. After all, what's not to like, especially when you consider the three countries that we're looking at here: space, culture, outstanding
- [Are Virtual Company Cards Right For Your Business?](https://www.dumbfunded.co.uk/personal-finance/credit-cards-personal-finance/are-virtual-company-cards-right-for-your-business/) - Employees need the flexibility to purchased items they need to fulfil their role in the business, without having to ask for money and permission each time. Virtual company cards are a great solution to this and are quite literally a company card formed of a random 16-digit card number which is linked to an existing
- [Can You Afford To Retire Early?](https://www.dumbfunded.co.uk/personal-finance/pensions/can-you-afford-to-retire-early/) - The UK's state pension age may be rising, but for now, at least there is little sign that people are prepared to accept a longer working life. Indeed, official government figures have shown that people are retiring younger on average than they were in the 1950s. For many, early retirement is the dream that keeps them
- [Regulator To Investigate High-Interest Credit Card Ads](https://www.dumbfunded.co.uk/news/regulator-to-investigate-high-interest-credit-card-ads/) - We've always been clear that credit cards aren't something to be afraid of. They're a financial tool like any other – use them wisely and you can get benefits and rewards without lining the credit companies' pockets. However, when the interest rates are particularly high and given to people who may not have the means
- [3 Reasons Why Attention Matters In Business](https://www.dumbfunded.co.uk/guides/3-reasons-why-attention-matters-in-business/) - Business, it is often thought, is a process concerned entirely with things like quarterly and annual turnover, return on investment, units shipped, and other directly quantifiable and objective measurements. While all of those things are, certainly, a core and fundamental part of any business, there is a good argument to be made that the human
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- [7 Money Saving Solutions For Managing Your Debt](https://www.dumbfunded.co.uk/personal-finance/7-money-saving-solutions-for-managing-your-debt/) - Debt is a common problem in the UK affecting people from every background. Debt can often come with a feeling of lack of control like you simply can't get on top of the payments you're expected to make. If you are barely making ends meet as it is, the idea of saving money to pay
- [Smart Ways To Cut Costs On Holiday Travel](https://www.dumbfunded.co.uk/travel/smart-ways-to-cut-costs-on-holiday-travel/) - Given the chance, we would choose to be on holiday all year round, forgetting the world of work and creating magical memories. Practically, however, that might not be so easy - the average UK adult overspends on holidays by £220 each year according to the Daily Mail. But whether you are heading for Bali or
- [Finding Financing For Your Small Business](https://www.dumbfunded.co.uk/business/finding-financing-for-your-small-business/) - Any small business owners trying to grow their firm will know that you need to put some money in before you can start making anything back. In other words, you're going to need a source of funding. Whether you need money for developing your product, raising public awareness or growing your team, there are plenty
- [Investments That Will Improve Your Companies Safety](https://www.dumbfunded.co.uk/guides/investments-that-will-improve-your-companies-safety/) - Building a successful business is difficult, so you need to do as much as you can to keep it safe. This can be following health and safety procedures to keep your physical business safe, or other things like having insurance in case anything goes wrong. You need to protect your business premises, your employees, and
- [Starting A Business: The Things You Might Not Have Considered But Should](https://www.dumbfunded.co.uk/guides/starting-a-business-the-things-you-might-not-have-considered-but-should/) - So many people start off the year with the motivation of starting their own business, or with a fresh approach to their existing entrepreneurial journey to make things happen. It is never easy to go it alone with an idea that you have, but it can certainly open up plenty of doors and opportunities along
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- [Understanding National Insurance](https://www.dumbfunded.co.uk/personal-finance/understanding-national-insurance/) - Everybody has heard of national insurance: you know that you need to keep your national insurance number safe, and if you’re in steady employment then you probably see NI deductions being taken out of your pay packet each month. But if asked to explain what exactly national insurance is or why we pay it, a
- [British Banks Set New Overdraft Rates](https://www.dumbfunded.co.uk/personal-finance/british-banks-set-new-overdraft-rates/) - With new regulations declaring that banks need to be more transparent about the rates that they charge overdrawn customers, we've been waiting to see some announcements about what level these rates might be set at. Now, there have been a flurry of announcements showing consumers what to expect once the new rules come in. The
- [Why You Should Get To Know Your Employees](https://www.dumbfunded.co.uk/guides/why-you-should-get-to-know-your-employees/) - Getting to know your employees is one of the smartest things you can do when you're a business owner. You want your employees to stay with you for the long run. You want them to stay loyal, work hard, and even become brand ambassadors for your business. However, to do that, you need to get
- [How Sustainability Can Help Your Finances](https://www.dumbfunded.co.uk/guides/how-sustainability-can-help-your-finances/) - The world is so much more focused around being sustainable at present. When you look at the bigger picture you see a world that's advancing quicker than it has ever done before. A world that is full of technology and potential. But then you look at the climate and economy side of things, and you
- [Personal Finance 2020: What To Expect From The Coming Year](https://www.dumbfunded.co.uk/personal-finance/personal-finance-2020-what-to-expect-from-the-coming-year/) - Every year there are tweaks to government policy and regulations that can affect everything from bills to taxes. These changes often seem small, but they still have an impact on your wallet. If you want to be in control of your finances, it makes sense to have a view of the year to come. We've
- [What Mistakes Should New Forex Traders Be Wary Of?](https://www.dumbfunded.co.uk/investing/what-mistakes-should-new-forex-traders-be-wary-of/) - Trading on the world's Foreign Exchange market is becoming more and more popular around the UK. The low capital needed to get going and the ease with which you can trade from home via your PC or laptop has seen lots of new traders dip their toe in the water. While it is possible for
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- [5 Effective Ways To Pay Your Debts](https://www.dumbfunded.co.uk/personal-finance/5-effective-ways-to-pay-your-debts/) - We can all agree that every individual would want to live a comfortable life. However, life isn't always that easy. A lot of people are not born with a golden spoon or a fortune to inherit. Usually, most individuals would need to work their arms off to live more than the normal lifestyle. While living
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- [Could A 'No-Spend Month' Help You To Reset Your Finances?](https://www.dumbfunded.co.uk/personal-finance/could-a-no-spend-month-help-you-to-reset-your-finances/) - For those of you feeling a little worse for wear after the New Year's celebrations, we've got a good idea for a cleanse that doesn't involve dieting or limiting your favourite treats. Instead, it's about all about spending less money. It's called the 'no-spend challenge, and it's a chance to build conscious financial habits, by
- [Solving Money Collection Problems With 'Money Pots'](https://www.dumbfunded.co.uk/business/solving-money-collection-problems-with-money-pots/) - Leetchi online 'money pots' to solve all the group money collection issues. Leetchi.com is an easy, fast and secure money collection platform that allows anyone to create a 'money pot' in less than a minute and invite others to help finance projects such as group gifts for birthdays, baby showers and co-workers, as well as
- [Are You Ready For The Cash Machine Revolution?](https://www.dumbfunded.co.uk/news/are-you-ready-for-the-cash-machine-revolution/) - Thanks to advances in technology, cash machines are about to get a whole lot smarter – and that can only be a good thing. The humble high street cash point is a familiar sight up and down the country, and it's been that way for 50 years – ever since On the Buses' Reg Varney
- [Revolut Approved For European Banking License](https://www.dumbfunded.co.uk/apps/revolut-approved-for-european-banking-license/) - Revolut the app-based banking service and one of the UK's most well known fintech unicorns has been approved for a European Banking License. Why a European banking license, not a UK one? Although this hasn't been stated directly by Revolut, Brexit is undoubtedly forcing London's financial companies to think about how they can prepare themselves
- [How To Make Your Business Smarter](https://www.dumbfunded.co.uk/guides/how-to-make-your-business-smarter/) - Businesses can have a never ending to-do list, from appointments, system updates, to staff meetings. Thanks to technology your office can be a lot smarter and even more productive - you need to keep up to date. It's also no good just investing in some kit and leaving it there; you need to keep your
- [The Effects Of Becoming A Cashless Society](https://www.dumbfunded.co.uk/personal-finance/the-effects-of-becoming-a-cashless-society/) - People have been using cash for thousands of years. Cash made it easier to trade because rather than having to carry commodities such as bags of wheat, you could carry a bag of coins instead. But you still had to carry coins. That changed in the 20th century thanks to the introduction of credit and
- [How Small Business Loans Work](https://www.dumbfunded.co.uk/business/how-small-business-loans-work/) - Like a personal loan, a business loan involves going to the bank and asking to borrow some money – the difference here is that you're taking the money for specific business use, and therefore have to be able to prove to the bank that your idea for a new company has a chance of working
- [Strategies To Incentivise Employees To Work Overtime](https://www.dumbfunded.co.uk/guides/strategies-to-incentivise-employees-to-work-overtime/) - Business owners often need more from their workforce than the usual nine to five. The answer could be to hire new employees or, you could put in place overtime for your present employees. The latter is the first option many companies choose. It would be brilliant to have a queue of workers willing to work
- [Making Car Finance As Affordable As Possible](https://www.dumbfunded.co.uk/cars/making-car-finance-as-affordable-as-possible/) - As one of the most expensive purchases in life, you'll always want to get the most affordable deal out there when buying a car – but how exactly do you do that? There are actually a few ways in which you can bring your motoring costs down when acquiring a new one on finance (and
- [Business Office Essentials For Employees With Disabilities](https://www.dumbfunded.co.uk/guides/business-office-essentials-for-employees-with-disabilities/) - Part of running your own business and hiring employees is understanding the people that work for you. There is little point - especially in a fledgling business - treating your staff as mindless robots, who have no preferences or expertise, and are instead just there to fill a role. It will help your business hugely
- [How To Make Your Business More efficient](https://www.dumbfunded.co.uk/guides/how-to-make-your-business-more-efficient/) - Everyone who owns a business wants theirs to be the best at what it does so that they can rise above their competitors. To ensure that this is the case and that you can get the best possible outcomes from your business, you need to make sure that it is running efficiently. You need to
- [Latest Social Media Tools For 2020](https://www.dumbfunded.co.uk/guides/latest-social-media-tools-for-2020/) - Social media isn't slowing down and the popularity of platforms are only increasing, with lesser known apps also on the rise. You want to make sure that you start 2020 off strongly by ensuring that you grow across all of your accounts, but how can you do this efficiently and effectively? Here are the latest
- [Six Ways To Improve Manufacturing Efficiency](https://www.dumbfunded.co.uk/guides/six-ways-to-improve-manufacturing-efficiency/) - Efficiency is important for any business, whether you're service oriented or involved in manufacturing. Manufacturing more efficiently can help you to cut costs, improve throughput and reduce your environmental impact. These improvements can then lead to increased sales, better quality and a better company image. Don't waste material Waste can refer to materials, energy, man
- [Cheap Activities For Kids: Learning To Swim](https://www.dumbfunded.co.uk/guides/cheap-activities-for-kids-learning-to-swim/) - Keeping your kids fit and healthy is crucially important for them now and in later life. So we thought we would put together a series of articles helping parents think of cheap and affordable activities to help keep kids fit and busy! First in the guide is a deep dive on baby swimming! We take
- [Could Your Child Have Money Hiding In A Child Trust Fund?](https://www.dumbfunded.co.uk/personal-finance/could-your-child-have-money-hiding-in-a-child-trust-fund/) - Do you have a child born between 2002 and 2011? If so, read on – this one's for you. According to a YouGov poll from earlier this year, millions of children could have money invested into a government scheme that neither they nor their parents have kept track of. This could mean that many, many
- [Last Minute Christmas Shopping Bargains](https://www.dumbfunded.co.uk/retail-shopping/last-minute-christmas-shopping-bargains/) - There's not long left before the big day, so it's time for all the slow-coach Santas to get a move on – there are only a few shopping days left to get your gifts in. But while you may be feeling envious of that one friend who has had their Xmas pressie pile ready and
- [3 Tips For Building A Workspace That Lasts](https://www.dumbfunded.co.uk/guides/3-tips-for-building-a-workspace-that-lasts/) - Whether you're looking to open your first retail outlet or are considering a redesign for your company's office, the time and thought that you put into your workspace will determine not only its efficiency, but also its longevity. Moving workspace is a big upheaval for all involved and can be very costly, so here are
- [Major Setbacks When Working In Construction](https://www.dumbfunded.co.uk/guides/major-setbacks-when-working-in-construction/) - Construction is an obvious career route for many young people. We're now seeing more women enter into the role than ever before, simply because it's so easy to go into a role and make money from it. Construction can be anything from scaffolding to window fitting, everyone plays a vital role in making sure that
- [Things To Do After Signing A Car Finance Contract](https://www.dumbfunded.co.uk/cars/things-to-do-after-signing-a-car-finance-contract/) - Deciding to finance a car means that you will commit to a long-term contract. It will last for a few years until you get the payments finished. Therefore, before you sign that piece of paper, you have to consider your decision carefully. You're taking a financial risk, and you don't want to regret it later.
- [How To Ensure Your Business Grows](https://www.dumbfunded.co.uk/guides/how-to-ensure-your-business-grows/) - Establishing a small business is a dream for many contracted workers. Taking the step can be tricky, especially if you’re quitting your job in order to do so. In the UK, around 660,000 new companies are registered each year. But just under a third of these will shut up shop within three years, and twenty
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- [Life Insurance, Smoking & Vaping](https://www.dumbfunded.co.uk/insurance/life-insurance-smoking-vaping/) - There are currently 1.9m smokers in the UK, however, these numbers have been in decline over recent years. But whilst traditional cigarette smoking is in decline, vaping and e-cigarettes are very much on the rise. According to the NHS, an astonishing 5% of the UK population now vape. In this article, we will help explain
- [How Can Companies Improve Their Security?](https://www.dumbfunded.co.uk/business/how-can-companies-improve-their-security/) - Security is of utmost importance for all companies, and many people search for the best measures that work for their business. Within every company, there will be expensive products, personal data and, sometimes, cash too, so there is a lot that's up for grabs. It's essential to stay secure from the inside-out, which includes both
- [Currency Trading Strategies For Beginners](https://www.dumbfunded.co.uk/investing/currency-trading-strategies-for-beginners/) - New traders are continuing to take great interest in Forex trading. The forex market is one of the most popular and liquid entities of its type in the world, now being estimated as a multi-trillion pound industry. However, this market is notoriously volatile and difficult for beginners to navigate, with most newbies advised to “trade
- [How Much Does It Cost To Build A Website For Your Business](https://www.dumbfunded.co.uk/guides/how-much-does-it-cost-to-build-a-website-for-your-business/) - It is no secret that it is absolutely crucial to have a website for your business - you need it to build your brand, you need it for marketing, you need it to attract more customers, and you need it to expand to other places. The benefits of having a website are immeasurable, but what
- [Landing Your Next Big Promotion](https://www.dumbfunded.co.uk/careers-employment/landing-your-next-big-promotion/) - We can talk about cutting expenses or improving your budgeting until we're blue in the face – but if your income isn't keeping up with your bills and living costs, the advice isn't going to be much good to you. Once you've trimmed all of the fat from your outgoings, the best way to readdress
- [The Changing Face Of Personal Loans In The UK](https://www.dumbfunded.co.uk/guides/the-changing-face-of-personal-loans-in-the-uk/) - The days of formal bank meetings filled with nervous pleading and the laying out of our entire financial history may feel like they are only just behind us, but the changing face of the personal loans market is one that has changed finance for the better. Gone are the days of physical income verification and
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- [How To Save Money On Your Next Luxury Holiday](https://www.dumbfunded.co.uk/guides/money-saving/how-to-save-money-on-your-next-luxury-holiday/) - Think it’s impossible to do book a luxury break on a budget? It's actually well within the realm of possibility – all you need is some creative thinking and time to hunt out the best deals. While it's obviously important to stick to holidays that you can afford, finding a way to indulge in a
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- [4 Inexpensive Marketing Ideas To Save You Money](https://www.dumbfunded.co.uk/guides/4-inexpensive-marketing-ideas-to-save-you-money/) - It's no secret that marketing is paramount in the world of business. With much competition out there, companies are always looking for new ways to make their mark and get noticed. If you're a start-up or a small business, likely, you won't have a huge marketing budget. The good news is that there are several
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- [Physical Marketing Without Paying Over The Odds](https://www.dumbfunded.co.uk/guides/physical-marketing-without-paying-over-the-odds/) - Nowadays, most companies conduct a large part of their marketing online. A social media presence and pay-per-click ads are now staples for creating leads and sustaining interest. With that in mind, you may assume mailing services are no longer a worthwhile expense for your marketing budget. But you would be wrong. Stats from the DMA
- [How To Write A Business Plan For A Small Business Loan](https://www.dumbfunded.co.uk/guides/how-to-write-a-business-plan-for-a-small-business-loan/) - Every year thousands of businesses keep springing up all over the world; most of these new businesses are small business. Are you thinking of setting up a new business? Or are you planning on taking your business to the next level? It's not going to be easy because starting and growing business is a challenging
- [The 10 Best Long-Term Investments](https://www.dumbfunded.co.uk/investing/the-10-best-long-term-investments/) - When making any type of investment there are lots of important factors to consider. You will need to decide whether you want to invest in short term or long term and also weigh up the safety of your investment, potential risk and growth. Safe, short term investments usually offer more protection but they don't have
- [5 Ways Fintech Is Changing The Way We Bank](https://www.dumbfunded.co.uk/guides/5-ways-fintech-is-changing-the-way-we-bank/) - Fintech has become a buzzword that has seen the finance and tech industry join forces like never before, allowing banking institutions to quickly evolve their services to the benefit of their customers. Thanks to ever-improving technology we can now manage our money with speed, efficiency and convenience. To understand how that affects you, here are
- [How To Start Your Own Online Business With No Money](https://www.dumbfunded.co.uk/guides/how-to-start-your-own-online-business-with-no-money/) - Most aspiring business owners are held back from launching and running their businesses due to a lack of funds. Contrary to popular opinion, you can start an online store without inventory or money in this digital age. Managing an online business helps to save money and scale faster, unlike the traditional approach. You don't need
- [What To Include And Leave Out Of A Photography Business Card](https://www.dumbfunded.co.uk/guides/what-to-include-and-leave-out-of-a-photography-business-card/) - What should you include in your business card when you run a photography business? And what is best left off the business card? We’ll explain the reasoning for what should be on every photographer’s business card and what should be left off. Contact Information Every business card must include your contact information, because few will
- [The latest EBay Scam Shows That We Need To Shop Even Smarter](https://www.dumbfunded.co.uk/infographics/shopping-retail/the-latest-ebay-scam-shows-that-we-need-to-shop-even-smarter/) - We often talk about the prevalence of internet scams and the importance of taking measures to protect yourself. A lot of the time, it comes down to common sense: many scams can be uncovered pretty quickly due to tell-tale signs like poor grammar, suspicious email and web addresses or ‘too-good-to-be-true’ offers. As scammers get smarter,
- [Can Buying A Campervan Save You Money?](https://www.dumbfunded.co.uk/guides/can-buying-a-campervan-save-you-money/) - Don't invest your money in something boring - there are small campervans for sale that make an ideal low-risk investment that will bring you and your family lots of fun Small campervans are highly desirable right now, in the light of the political climate. People are now unwilling to spend thousands of pounds on a
- [4 Ways To Save Using Price Comparison Websites ](https://www.dumbfunded.co.uk/guides/4-ways-to-save-using-price-comparison-websites/) - When trying to save money, it can be tempting to go with the first cheap service provider that you find. However, this is not a cost-effective approach, as you may end up paying more in the long run. One of the best ways to ensure that you pay the best rate is to use a
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- [7 Ways To Keep Recruitment Costs Down And Still Hire Top Talent](https://www.dumbfunded.co.uk/guides/7-ways-to-keep-recruitment-costs-down-and-still-hire-top-talent/) - Acquiring the right talent for your company can take up a large part of your overall business costs. For both smaller businesses, who need to watch every penny that goes out and larger businesses who don't want to be throwing potential profit down the drain, it's important that those recruitment costs remain contained. So how
- [Say Goodbye To Your Personal Finance Struggles With These 8 Tips](https://www.dumbfunded.co.uk/personal-finance/say-goodbye-to-your-personal-finance-struggles-with-these-8-tips/) - Proper personal finance means rock-hard discipline and sticking to a well-crafted plan. The basics will take you a long way and implementing them may be much easier than you think, but there are some fine-tuning elements that can really make a difference in your financial development and enable you to reach your goals. Here are
- [Top Tips On Writing Off Your Debts](https://www.dumbfunded.co.uk/guides/top-tips-on-writing-off-your-debts/) - When it comes to writing off debt, it can be a slow and, at times, difficult process. People often associate debt with poor money management, and addictive and expensive habits such as online shopping and gambling – but the truth is, it can happen to anyone. One singular missed payment can leave you in a
- [3 Different Ways To Finance A Property](https://www.dumbfunded.co.uk/guides/3-different-ways-to-finance-a-property/) - With the increasing opportunities in today's market, there are more ways than ever to finance a property. A stronger economy in recent years has made way for a lot of investors trying to use investment as a business opportunity. Not only has it been a blessing for them, but new businesses have benefited greatly from
- [ISA Verses Pension Fund: What’s The Best Way To Save?](https://www.dumbfunded.co.uk/personal-finance/isa-verses-pension-fund-whats-the-best-way-to-save/) - The money that's left over after all of your bills and expenses is yours to do whatever you wish with – but instead of squandering it on short term spending, it's important to squirrel at least some away for the future. If your not a seasoned saver then deciding how to save can be tricky,
- [Three Emerging Technologies That Could Benefit Your Business](https://www.dumbfunded.co.uk/guides/three-emerging-technologies-that-could-benefit-your-business/) - Keeping an eye on technological trends is important if you want to stay competitive in the ever-changing global market. Leveraging tech advancements for the improvement of your business processes not only helps you boost productivity and streamline wasteful tasks, but it ensures that your business projects a progressive and innovative public image. If you've missed
- [Why Business Writing Is Different To Standard Writing](https://www.dumbfunded.co.uk/infographics/why-business-writing-is-different-to-standard-writing/) - If you're a great writer, then you might think you don't need any help with business writing. However, business writing and standard writing are two different things. If you're going to be a successful entrepreneur, then you need to know the difference and you need to be able to do both of them well. Below,
- [Preventing The Most Common Workplace Injuries](https://www.dumbfunded.co.uk/guides/preventing-the-most-common-workplace-injuries/) - Want to protect you and your employees against workplace injuries? Here are several of the most common workplace injuries and how you can guard against them. Slips, trips and falls Slips, trips and falls are by far the most common source of injury in the workplace. This could include slipping on wet flooring, tripping over
- [Is The Future Of Investment Solely Digital?](https://www.dumbfunded.co.uk/investing/is-the-future-of-investment-solely-digital/) - Whoever thought we'd see a world where we could order our groceries online or hail a cab with a smartphone? The evolution of technology has allowed virtually every company the scope to offer digitalised services. For us as a consumer, this means we have access to basically anything we want with just the tap of
- [Overlooked Factors That Can Affect Your House Price](https://www.dumbfunded.co.uk/personal-finance/overlooked-factors-that-can-affect-your-house-price/) - Buying a new home is as stressful as it is exciting, so you can be forgiven for keeping your criteria relatively narrow and focussing on the features that matter to you: whether you can imagine yourself living in the neighbourhood, and whether the property itself ticks the right boxes. Unless you're looking for your 'forever
- [What You Shouldn’t Forgo Investing In For Your Business ](https://www.dumbfunded.co.uk/guides/what-you-shouldnt-forgo-investing-in-for-your-business/) - A smart entrepreneur will always use the profits made from the business to invest back into the company. When you do this effectively, it can catapult your business forward and help you to boost your profits while leapfrogging the competition. There are a few excellent areas to invest in but areas that are sometimes overlooked
- [Why Investing In Small Firms Is So Crucial](https://www.dumbfunded.co.uk/investing/why-investing-in-small-firms-is-so-crucial/) - Looking for a new investment opportunity? It is important to invest in smaller businesses as an investor as this provides the potential for great success and a chance to be part of a growing business. Investing in larger, more established companies is merely about profit but with a smaller firm you get the thrill of
- [Are Monzo's Recent App Updates A Sign Of Maturity?](https://www.dumbfunded.co.uk/apps/are-monzos-recent-app-updates-a-sign-of-maturity/) - If you're a part of Monzo's so-called banking revolution, you'll probably have noticed some big changes to the app-based bank over the past few weeks. After cementing their reputation as the UK's most innovative challenger bank, they've introduced a flood of new features to try and make their service even more appealing – whilst also
- [When Should You Seek A Financial Adviser?](https://www.dumbfunded.co.uk/personal-finance/when-should-you-seek-a-financial-adviser/) - There's no doubt that shoppers and households nationwide are facing up to a number of challenges in the current economic climate, as the likely realities of a no-deal Brexit become increasingly apparent. Along with the ongoing uncertainty that has been created by the global economic slowdown, consumer confidence has fallen ahead of the Christmas trading
- [Which Type Of Loan Is Best For Your Small Business?](https://www.dumbfunded.co.uk/business/which-type-of-loan-is-best-for-your-small-business/) - Many small businesses, regardless of their industry, will call upon financial assistance to help them get started, grow or develop their resources. According to data released by the British Business Bank, 2018 saw 40% of SMEs seek funding to boost their cashflow needs, while another 33% did so in order to purchase fixed assets. Another
- [How To Make An Extra Income With A Website](https://www.dumbfunded.co.uk/guides/how-to-make-an-extra-income-with-a-website/) - Living off of a small income can be hard. It's not impossible, and it's not difficult for everyone, but it can be tough. As much as we all know that we shouldn't obsess over, or rely on, money too much – we also need it to survive. When you just about make ends meet, it's
- [Could You – Should You – Get Your Van Insurance From A Supermarket?](https://www.dumbfunded.co.uk/insurance/could-you-should-you-get-your-van-insurance-from-a-supermarket/) - Supermarkets offer us so much more than simple foodstuffs nowadays. But is, say, Tesco van insurance really the answer to your prayers? Would Asda's offerings save you money on your current policy? If you own or drive a van, getting your insurance through a supermarket may seem like a good move. Companies like Tesco and
- [8 Ways to Keep Your House Safe](https://www.dumbfunded.co.uk/infographics/insurance-infographics/8-ways-to-keep-your-house-safe/) - With Christmas approaching it important to make sure your home is secure from would-be burglars, potentially looking to get their hands on the contents of your Xmas stockings and whatever else they can find. Not only can securing your home help keep your valuables safe and out of the reach of the bad guys -
- [How To Set Up A Budget Successfully ](https://www.dumbfunded.co.uk/guides/how-to-set-up-a-budget-successfully/) - It's easy enough to tell yourself that you need to start budgeting, but it's something else entirely to start actually executing your budget. Most people realise that over time. Budgeting can be tricky, particularly if you're new to managing your expenses in such an organised way. However, the right budget can also give you the
- [Should We All Be Campaigning For More Cash?](https://www.dumbfunded.co.uk/news/should-we-all-be-campaigning-for-more-cash/) - No, not more cash in your wallet – although that is a campaign we could get behind too – this is about giving people more access to cash. That means more cash machines in the high street, more cash accepted in shops and better access to cash for the people who may be excluded from
- [How Much Do You Need To Save To Buy A Property In London?](https://www.dumbfunded.co.uk/guides/how-much-do-you-need-to-save-to-buy-a-property-in-london/) - It is no secret that cities are expensive places to live. Job opportunities, transport links and a fast-paced way of life make capitals an attractive notion for many. However, according to the latest worldwide cost of living survey, London has risen eight places on the world's most expensive city list in just a year. Whilst
- [How To Look After Your Employees](https://www.dumbfunded.co.uk/guides/how-to-look-after-your-employees/) - If you are running your own business or managing a team, you will understand the importance of looking after your employees. Your business is only as strong as the team behind it, so you will want to make sure that they are motivated, loyal and happy in their work. There are hundreds of ways that
- [Five Tips For Reducing Your Overdraft Costs](https://www.dumbfunded.co.uk/personal-finance/five-tips-for-reducing-your-overdraft-costs/) - For somebody who occasionally needs to pick up an unexpected expense before payday, an arranged overdraft can save the day. It gives you access to an authorised pot of money that the bank lends you at an agreed rate, which means you have the peace of mind to make any purchases you need without worrying.
- [Pay And Get Paid Quickly: A Cost-Effective Solution To Your Cross-Border Payments And Currency Collections](https://www.dumbfunded.co.uk/business/pay-and-get-paid-quickly-a-cost-effective-solution-to-your-cross-border-payments-and-currency-collections/) - If you run a business that's involved in cross-border payments, reducing your risk and payment costs is a top priority. Complete control over how and when you transact can open up limitless opportunities for your business. Foreign exchange for businesses can quickly get complicated if you're constantly dealing with different providers and bank accounts. Currency
- [Never Turn a Blind Eye to Your Finances](https://www.dumbfunded.co.uk/guides/never-turn-a-blind-eye-to-your-finances/) - Be it a piggy bank you've been keeping safe in a closet for the past ten years or a business bank account that you've put in the hands of a financial advisor, the worst thing you can do is lose track of money and turn a blind eye to problems that you don't fully understand.
- [Common Money Management Mistakes That Could Cost Your Business](https://www.dumbfunded.co.uk/guides/common-money-management-mistakes-that-could-cost-your-business/) - As an entrepreneur, you have to face a number of unique challenges every single day. You have to make sure you stay motivated, keep your employees happy, manage your money and finances, handle marketing and advertising, and respond to any complaints or questions from customers. None of these tasks are particularly easy, but one of
- [How You Can Use Bridging Finance To Keep Your Business Running](https://www.dumbfunded.co.uk/guides/how-you-can-use-bridging-finance-to-keep-your-business-running/) - As a business owner, you may find yourself in need of capital for expansion or simply for unexpected inventory purchases due to increased demand. In pressing situations like these, obtaining a bridging loan can help you scale through. What is a Bridging Loan? A bridging loan is a short-term solution that enables you to fund
- [Why Leasing A Car Could Be Your Ideal Solution](https://www.dumbfunded.co.uk/cars/why-leasing-a-car-could-be-your-ideal-solution/) - With the new 67 plate only around the corner, what better time to look into leasing your next new vehicle. If you are looking to buy the new Evoque Range Rover and you’re short on ready cash, then leasing might not only mean you get to drive your new set of wheels, it can actually
- [6 Benefits of Using JIRA](https://www.dumbfunded.co.uk/guides/6-benefits-of-using-jira/) - If you're thinking about using JIRA to help improve your software team operation then you may be wondering what some of the main benefits are of using the JIRA software development tool from Atlassian? Here we consider 6 common benefits of JIRA to help you decide if this is the right tool for your software
- [Extreme Couponing In The UK - It Can Be Done!](https://www.dumbfunded.co.uk/guides/extreme-couponing-in-the-uk-it-can-be-done/) - You may or may not be aware that there is an amazing phenomenon in the US called extreme couponing. It is where shoppers collect numerous amounts of the same coupon which allow them to receive products free of charge. There is even a TV show about it, and you can find episodes on YouTube. Really
- [Have You Started Tracking Your Spending Yet?](https://www.dumbfunded.co.uk/personal-finance/have-you-started-tracking-your-spending-yet/) - If the answer is no then it's time to open up your favourite spreadsheet tool and get cracking. Or, more likely, download any one of the countless financial apps that can look over this side of money management for you. But whether you decide to do things manually or by making use of shiny new
- [Managing Money When Employed And Self-Employed](https://www.dumbfunded.co.uk/personal-finance/managing-money-when-employed-and-self-employed/) - You can't go far these days without hearing about the benefits of a side hustle. People love to shoot about their secondary source of income on LinkedIn or share inspirational posts about how you can get your own side gig. And it's good advice: if you want a little more money coming in each month
- [Starling to Launch Web Portal for Business Banking Customers in September, SME Lending](https://www.dumbfunded.co.uk/banking/starling-to-launch-web-portal-for-business-banking-customers-in-september-sme-lending/) - As reported in Altfi, app-based bank Starling are planning to launch a web portal for business banking customers in Q3 of 2019. Information on the new feature and other plans are found in Starling's bi-yearly update to the Banking Competition Remedies (BCR) fund, from which Starling received £100 million. Digital touchpoints that are beautifully designed
- [Homewards: New App to Help You Save For A Mortgage Deposit](https://www.dumbfunded.co.uk/apps/homewards-new-app-to-help-you-save-for-a-mortgage-deposit/) - Founded by Freddie Altman and Benjamin Milsom, two 20-something-year-olds frustrated with the lack of homeownership for our generation, Homewards was created to start a new way of saving for a home deposit that fits in with everyday lifestyles. When launched later this year, Homewards’ app members will automatically earn cash rewards from every day retailers
- [Xero UK - 5 FAQs & Tips To Help You Decide if Xero is the Right Accountancy Tool for Your Business](https://www.dumbfunded.co.uk/business/accounting/xero-uk-faqs-tips-to-help-you-decide-if-xero-is-the-right-accountancy-tool-for-your-business/) - Over the first few weeks of use, Xero quickly changed from something just useful - into a priceless app that we just couldn't live without. The way Xero learned and adapted to our data, on top of the fantastic way setting rules saved us time and energy as we worked through our bookkeeping was incredible
- [3 Legal Roadblocks That Your New Business May Face](https://www.dumbfunded.co.uk/guides/3-legal-roadblocks-that-your-new-business-may-face/) - Lengthy legal battles are bad news for businesses, especially small ones with limited funds. If you find yourself with serious legal issues, it could cost you the business if you aren't careful, which is why you need to take steps to avoid it in the first place. A lot of new business owners are completely
- [Top Tips On Saving Money On Taxi Insurance](https://www.dumbfunded.co.uk/cars/top-tips-on-saving-money-on-taxi-insurance/) - If you're a taxi driver your car is the cornerstone of your business, but with costs continuing to increase you may find that your margins are getting squeezed. As well as the rising cost of tax and fuel, the cost of insurance is increasing too. There are various reasons why insurance has been increasing for
- [First Direct To Drop £10 Per Month Account Maintenance Fee](https://www.dumbfunded.co.uk/banking/first-direct-to-drop-10-per-month-account-maintenance-fee/) - Announced to customers via email, First Direct are planning to remove the current £10 per month account maintenance fee on their 1st Account. The change is due to take place on the 14th September, meaning that customers who do not meet the criteria for no fees (such as paying in more than £1000 per month)
- [Monzo Launch Loans Service, Loans From £200](https://www.dumbfunded.co.uk/banking/monzo-launch-loans-service-loans-from-200/) - UK challenger bank Monzo has formally launched a new personal loans service following an earlier trial with 4,000 customers. Loans will be available up to 60 months, with interest rates between 3.7% and 6% for lending from £7,500 to £15,000, increasing to up to 20.4% for loans from £200 to £7,499. Over the past 9
- [Starling Multi-Owner Accounts For Business](https://www.dumbfunded.co.uk/business/starling-multi-owner-accounts-for-business/) - Managing your business banking via an app is a very appealing feature, but what if you have more than one person in your business who regularly needs to access to the account? This is where Starling Bank's new multi-owner accounts for business users come in - allowing more than one user to dip in and
- [Monzo Introduce Premium Account 'Monzo Plus' & Travel Insurance](https://www.dumbfunded.co.uk/banking/monzo-introduce-premium-account-monzo-plus-travel-insurance/) - App-based banking service Monzo have gone live with a new premium account called Monzo Plus. Previously launched as a small-scale trial in February, the account provides access to a small but growing suite of premium upgrades. Initially users get access to: A Monzo Plus card (in Hot Coral or one of the new colours, Midnight
- [What You Need To Think About When Purchasing A Commercial Property](https://www.dumbfunded.co.uk/guides/what-you-need-to-think-about-when-purchasing-a-commercial-property/) - Buying a commercial property can be a stressful and daunting experience. You may feel as though there are hundreds of options available and that you just don’t have the time or the energy to explore them all. If this is the case, then here are a few tips that will help you to get well
- [Don’t Share Bank Details With Finance Apps, Warns NatWest](https://www.dumbfunded.co.uk/apps/dont-share-bank-details-with-finance-apps-warns-natwest/) - NatWest has warned its customers not to share their online banking details with finance apps – apps designed to help savers keep a closer eye on their budgets. We're often reminded of the need to budget correctly, and it wasn't long until a whole range of smartphone apps were released that could aid those who
- [Everything You Need To Know About Bitcoin](https://www.dumbfunded.co.uk/bitcoins/everything-you-need-to-know-about-bitcoin/) - Bitcoin is an alternative currency which can seem daunting to the uninitiated but in the community passionate and driven by this new kind of money there is a lot of enthusiasm and excitement for the future. Want to buy bitcoin? Get £7 of bitcoins free @ Coinbase via this link. Bitcoin could change the way
- [Buying Bitcoins as an Investment](https://www.dumbfunded.co.uk/bitcoins/buying-bitcoins-as-an-investment/) - Is it a good idea to buy bitcoins? Can you make money from bitcoins? Want to buy bitcoin? Get £7 of bitcoins free @ Coinbase via this link. If you have the spare cash - the answer to the two above questions is: yes. For those that don't know already, bitcoins are a form of
- [Bitcoin Surges To Highest Price Of 2019](https://www.dumbfunded.co.uk/bitcoins/bitcoin-surges-to-highest-price-of-2019/) - Today the price of bitcoin (BTC) surged to the highest price it has achieved in 2019. At the time of writing value had peaked at $5,778 (£4,444) on Coinbase and $5,864 (£4,510) on Coin Market Cap, an improvement of over 6% on the previous day's price. Bitcoin has had a bit of a rocky time
- [Saving Money & Staying Safe On A Family Beach Holiday](https://www.dumbfunded.co.uk/travel/saving-money-staying-safe-on-a-family-beach-holiday/) - Once you get taken over by that holiday spirit, it's easy to throw caution to the wind – which may mean spending out on treats that take you way over your budget or worrying less about rules for the kids than you would usually. Letting go like this can be great for your mind and
- [What Are Appreciation Events In Business?](https://www.dumbfunded.co.uk/guides/what-are-appreciation-events-in-business/) - There are countless different types of corporate events that a company may want to host, but one of the lesser-known options is an appreciation event. In this piece, we'll look deeper into the topic of appreciation events along with a few tips on the benefits such an event could offer to your company. What is
- [What Types Of Mortgages Are There? [Infographic]](https://www.dumbfunded.co.uk/infographics/what-types-of-mortgages-are-there-infographic/) - When looking for a mortgage that suits your needs it can seem rather overwhelming at first. Especially with all the other areas you need to consider such as deposits, conveyancing fees, solicitor's fees and more. Finding all the information you require on mortgages in one place is, therefore, a great help. HSBC has done just
- [How To Set Business Financial Goals And Stick To Them](https://www.dumbfunded.co.uk/business/how-to-set-business-financial-goals-and-stick-to-them/) - For anyone running a business or starting up as an entrepreneur, finances can be the one area to bring on worry. Planning business financial goals and sticking to them can seem much easier said than done. Hence why a lot of businesses fail, and why many people live pay cheque to pay cheque. However, it's
- [The Difference Between A POS And An EPOS System](https://www.dumbfunded.co.uk/guides/the-difference-between-a-pos-and-an-epos-system/) - So what exactly makes ePOS software so much more efficient than traditional POS systems? What's the difference between the two? Since the introduction of ePOS systems, thousands of businesses across the globe have ditched their old POS systems in favour of the more sophisticated electronic versions. Keep reading to learn the difference between ePOS and
- [All You Need To Know About Cash Loans](https://www.dumbfunded.co.uk/loans/all-you-need-to-know-about-cash-loans/) - It's no great secret that most of us need a little cash injection from time to time – whether it's for a domestic emergency, urgent car repair or other unexpected events which we simply weren't expecting to happen. In cases such as these increasingly more of us are looking to rely on cash loans –
- [Is Your Pay Keeping Up With Inflation?](https://www.dumbfunded.co.uk/personal-finance/is-your-pay-keeping-up-with-inflation/) - One of the last things that Theresa May did as prime minister was to announce that public sector workers will receive a pay rise in line with or above the rate of inflation, ensuring that their wages keep up with the rising costs of essentials such as food and utilities. The current rate of inflation
- [5 Ways To Stay Motivated When You’re Working From Home](https://www.dumbfunded.co.uk/business/5-ways-to-stay-motivated-when-youre-working-from-home/) - Remote work is rapidly rising across the globe, but especially across the UK. A recent study shows 31% of all British employees work from home at least once a week. This number is only expected to grow as employers catch on to the productivity benefits of allowing employees to do their work from anywhere. Whether
- [How to Retrieve Your Personalised Number Plate if your Car is Stolen or Written Off](https://www.dumbfunded.co.uk/cars/how-to-retrieve-your-personalised-number-plate-if-your-car-is-stolen-or-written-off/) - If you have had your car stolen or written off, you might be wondering how to retrieve your personalised number plate. Read on to find out the answer in our quick guide. Anyone who has bought a private number plate will know they can hold a certain amount of sentimental value, however, they can be
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- [Tips On Buying With A Credit Card ](https://www.dumbfunded.co.uk/personal-finance/tips-on-buying-with-a-credit-card/) - Credit cards can be particularly useful if used correctly. One of their main benefits is that they can be used to fund the purchase of larger items. Paying instalments over several months can help you to budget more efficiently. Another occasion when credit cards can be a lifesaver is if you need access to cash
- [Keeping The Finances Tight In Your Transportation Business](https://www.dumbfunded.co.uk/guides/keeping-the-finances-tight-in-your-transportation-business/) - If you run any kind of transportation business, you are probably keen to ensure that you do so as frugally as possible. After all, there is no point in overspending, and you want to ensure that you have the necessary resources left over at any one time to be able to expand your business where
- [How To Cut Down Spending Without Cutting Into Your Lifestyle ](https://www.dumbfunded.co.uk/guides/how-to-cut-down-spending-without-cutting-into-your-lifestyle/) - There are plenty of reasons why you might decide to avoid budgeting - even when you know it's right for you and your family. A budget might be fantastic for your future (and your finances), but it's not a lot of fun. The chances are that you'll have to spend a lot of time and
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- [Improving The Cost Effectiveness Of Your Retail Business](https://www.dumbfunded.co.uk/guides/improving-the-cost-effectiveness-of-your-retail-business/) - In the retail business, your bottom line is determined by so many factors. The cost of the product is only the start. You will need to factor in rents, rates, wages, storage, shipping, shrinkage as well as taxes, electricity, and the cost of any equipment and fixtures. The costs mount up significantly. So, when you
- [Food Budgeting – A Beginners Guide](https://www.dumbfunded.co.uk/guides/food-budgeting-a-beginners-guide/) - Let’s be honest. When we go food shopping it’s usually with the best intentions. Whether we’re hoping for a productive week with lots of healthy meals to keep us going, or we’re wanting to sit down as a family and enjoy a variety of meals together, heading to the supermarket is the easy part. However,
- [How To Plan A Small Business Event On A Budget](https://www.dumbfunded.co.uk/guides/how-to-plan-a-small-business-event-on-a-budget/) - Events can be an incredible way to boost your small business. But the thing that puts a lot of small business owners off is the idea of breaking the bank. If you have budget constraints, you're certainly not alone. A well-planned event could have many benefits for your business, so you might decide it's a
- [Clearing The Clutter From Your Life](https://www.dumbfunded.co.uk/guides/clearing-the-clutter-from-your-life/) - When it comes to making a positive change in our lives, there are many different avenues we can choose to go down. There are a lot of ways to make a real impact on our lives whether it be to change jobs, move somewhere new, or go on a diet… and they can all change
- [To Save Or Invest? That Is The Question](https://www.dumbfunded.co.uk/guides/to-save-or-invest-that-is-the-question/) - If you can't decide whether you should save or invest your money, you need to have a look at your goals and your financial situation. Putting money aside so that you have some ready for when you need it either for a big purchase or to cover yourself when emergencies arise is relatively simple to
- [The Growing Popularity Of E-learning](https://www.dumbfunded.co.uk/infographics/the-growing-popularity-of-e-learning/) - Have you ever participated in an online webinar, or signed up for a free e-learning trial? If you've seen notifications for digital learning products, you may have been tempted to see what the fuss is all about. Statistics suggest that 80% of the time we spend on digital devices is spent searching for and gathering
- [Thinking Of Expanding Your Business Into America [Infographic]](https://www.dumbfunded.co.uk/infographics/thinking-of-expanding-your-business-into-america/) - Trade deals aside, you maybe considering expanding your business overseas into America. The US has been the centre of the business world for sometime now, as illustrated by the statistics and figures in the infographic below from Foothold America. But what is actually involved when expanding a business into the USA? Set-up costs, taxes, visas
- [How To Protect Your Business From Cyber Attacks Without Spending a Penny](https://www.dumbfunded.co.uk/guides/how-to-protect-your-business-from-cyber-attacks-without-spending-a-penny/) - There have been several notorious cyber attacks in recent years, affecting big companies, such as British Airways and the NHS. It's easy to sit back and think, of course hackers would go after such high profile targets. But the truth is, cybercrime isn't just reserved for the big guys and gals. In fact, there are
- [5 Steps to Buying Your Own Home [Infographic]](https://www.dumbfunded.co.uk/infographics/5-steps-to-buying-your-own-home-infographic/) - Whether you are a slightly nervous first time buyer (FTB), or a seasoned house hunting pro with half a dozen moves under your belt, buying a property can be complicated. To help everyone along, HSBC have put together a quick infographic that covers the five different steps that you will need to go through in
- [In Case Of Emergency… Do You Know How To Protect Your Business?](https://www.dumbfunded.co.uk/guides/in-case-of-emergency-do-you-know-how-to-protect-your-business/) - We are forever in a perpetual state of business anxiety. Even if you think you're prepared, there are numerous emergencies that can arise. And while your business is sufficiently prepared in terms of the business processes, emergencies are forever on the horizon. And if we aren't prepared for a hack, or even a natural disaster,
- [How Much Should You Really Be Saving?](https://www.dumbfunded.co.uk/personal-finance/how-much-should-you-really-be-saving/) - Short answer: as much as you can afford. If you've got money left over, or you can afford to make cutbacks, or you have a sudden windfall and nothing to do with it then... You should be saving. Nobody has ever looked into their savings account and worried that they might have too much. On
- [How To Choose An Intruder Alarm System](https://www.dumbfunded.co.uk/guides/how-to-choose-an-intruder-alarm-system/) - When it comes to security, there is one method that everyone should have in place, and this is a burglar alarm. No matter whether it is your home or your business, you need to have some form of protection from potential intruders. If you do not, then you are putting yourself at serious risk of
- [Don't Cut Corners On These Small Business Essentials](https://www.dumbfunded.co.uk/guides/dont-cut-corners-on-these-small-business-essentials/) - All businesses can benefit from reducing costs where possible, but it's particularly important that small businesses, start-ups and enterprises cut their outgoings. As smaller companies have less budget to work with, it can be tempting to make drastic cuts whenever you see the opportunity to do so. However, in order to be successful, you need
- [Health And Safety: Fines And Tips](https://www.dumbfunded.co.uk/guides/health-and-safety-fines-and-tips/) - A couple of years ago, the Sentencing Council published guidelines that reveal new fines for health and safety offences. The updated sentencing guidelines further highlight the need for all businesses to invest in occupational health and safety courses. Are you responsible for health and safety legislation compliance at your organisation? It is vital that all
- [3 Ways To Make A Good Impression On Clients](https://www.dumbfunded.co.uk/guides/3-ways-to-make-a-good-impression-on-clients/) - Whatever your business, you will be wanting to create the right impression for every single customer, client and visitor. Whilst this might seem like a challenging task, we are here to share with you our 3 ways to make a good impression on clients, guaranteed to work whatever your area of expertise. Make sure that
- [Is There An End To The Used vs New Car Debate?](https://www.dumbfunded.co.uk/cars/is-there-an-end-to-the-used-vs-new-car-debate/) - Buying a car is certainly one of the more significant purchases that many people will make throughout their lives. This, combined with the fact that many people often find themselves having to buy a car under difficult circumstances, can cause a lot of people to panic about the impact that it will have on their
- [Upcoming Changes to Your Overdraft](https://www.dumbfunded.co.uk/personal-finance/upcoming-changes-to-your-overdraft/) - Recently we’ve seen a great series of wins for consumer rights in banking. Customers have benefited from a range of changes such as better fraud repayment schemes and more ways to manage their money thanks to open banking. Now there’s another development – and we think that this might be one of the most helpful
- [Petplan Reveals That As The Mercury Rises, Pet Summer Health Claims Soar](https://www.dumbfunded.co.uk/insurance/pet-insurance/petplan-reveals-that-as-the-mercury-rises-pet-summer-health-claims-soar/) - New data from the UK's most trusted pet insurer, Petplan, highlights that the hot weather can get the better of our pets, with claims for heatstroke, grass seed infections, dog and cat attacks, as well as injuries resulting from foreign bodies increasing in the warmer months. Heat Stroke Unsurprisingly, claims data from Petplan indicates that
- [Accounting Advice For Entrepreneurs](https://www.dumbfunded.co.uk/business/accounting-advice-for-entrepreneurs/) - While entrepreneurs have many skills which they put to good use when setting up in business it can be easy to focus on the product, sales and marketing and overlook setting up the basic structure properly. One of the areas entrepreneurs often attempt to cut costs when they first start up is accounting. They try
- [Everything You Need To Know About Unauthorised Overdrafts](https://www.dumbfunded.co.uk/infographics/everything-you-need-to-know-about-unauthorised-overdrafts/) - Today we have for you a really well designed infographic from Sunny Loans. The infographic takes a look at what you need to know about unauthorised overdrafts. Unauthorised overdrafts are the enemy of your budget - you really want to avoid going into an overdraft if possible, especially if unauthorised. Different banks have different rules
- [Fresh Ideas That'll Protect Your Business](https://www.dumbfunded.co.uk/guides/fresh-ideas-thatll-protect-your-business/) - Protecting your business is like protecting your baby. So many of you will have created your business from the ground up, meaning the work put in in the beginning would have been tremendous. So when your business is something that you hold so dear to your heart, do you not think it's about time that
- [How To Write A Killer Meta Description In 5 Steps](https://www.dumbfunded.co.uk/guides/how-to-write-a-killer-meta-description-in-5-steps/) - SEO is an undeniably helpful marketing tool for any business – whether it is a startup or a long-established corporation. When a business has implemented SEO successfully, it can help your pages to rank highly on Google, which in turn entices users to view your website. In the modern age, without successful SEO implementation, your
- [Effective Ways To Boost Small Business Sales 100%](https://www.dumbfunded.co.uk/guides/effective-ways-to-boost-small-business-sales-100/) - Money holds a great deal of power, especially in the business world. It's the fuel keeping your venture up and running and your entrepreneurial dreams alive. Without any money, you won't be able to cover overheads, which would inevitably cause your business to crumble. This is why sales are essential, no matter your business model.
- [How To Franchise A Business And Work from Home](https://www.dumbfunded.co.uk/guides/how-to-franchise-a-business-and-work-from-home/) - There's no question that working from home is an inviting proposition. Consigning the frustrations of the office to the past, it's a way of waving goodbye to the water cooler chat, the endless stream of meaningless meetings, and perhaps most importantly, the commute. In place of such familiar struggles, if you're working from home, you'll
- [How To Split Bills With Your Partner](https://www.dumbfunded.co.uk/personal-finance/how-to-split-bills-with-your-partner/) - When you decide to move in with your partner, splitting the bills effectively so that you're both paying a fair (if not necessarily even) share is a great way to maintain the harmony. It's easy to just divide things 50/50 – but unless you both earn the same wage this will leave one person feeling
- [History Of The P2P Lending Industry](https://www.dumbfunded.co.uk/infographics/history-of-the-p2p-lending-industry/) - An infographic that takes a look at the global P2P lending industry. Peer to peer, aka P2P lending, is a form of lending whereby money is lent to consumers by other consumers or lower level investors. As the infographic states, the P2P lending market in the UK - and globally - as seen significant gains
- [How To Create The Perfect Office On A Budget](https://www.dumbfunded.co.uk/guides/how-to-create-the-perfect-office-on-a-budget/) - Over the last twenty years or so, cubicle farms have largely been replaced by productive playgrounds. Instead of beige walls and water coolers, employees at big firms are now surrounded by futuristic furnishings and game consoles. Whilst it's certainly nice to have some playful perks to break up the day, creativity doesn't have to be
- [Actually Watching Your Business Grow](https://www.dumbfunded.co.uk/guides/actually-watching-your-business-grow/) - Cold hard facts are what we yearn for in business. We're never over the finishing line until we have seen with our own eyes that we are in fact meeting the expectations that we set out. However, how do we do this if not for cold hard facts? That's where statistics, research, reports and financial
- [How To Make Your Pound Stretch Further On Holiday](https://www.dumbfunded.co.uk/personal-finance/how-to-make-your-pound-stretch-further-on-holiday/) - The pound has fallen to its lowest level since January this year, which is a blow for everybody about to jet off on an early summer holiday. It means worse rates when exchanging money into foreign currencies, and that translates into less spending money when you actually arrive at your destination. With this in mind,
- [How A Business Should Deal With A Substantial Order Error](https://www.dumbfunded.co.uk/guides/how-a-business-should-deal-with-a-substantial-order-error/) - A customer has ordered a lot of items from your business. They have paid you their hard-earned money and have chosen your business to shop from. They went through many different searches, many different kinds of products to find the types that they wanted. It took time and effort plus a conscious effort to stick
- [Getting A Mortgage When You're Self-Employed](https://www.dumbfunded.co.uk/personal-finance/getting-a-mortgage-when-youre-self-employed/) - One of the biggest myths in the mortgage market is that self-employed people can't get a mortgage. While it is true that those who are self-employed can no longer get a self-certification mortgage based upon their word, generally their chances of being able to borrow and access the wide range of products on the market
- [5 Reasons To Start Saving Into A Pension (If You Aren't Already)](https://www.dumbfunded.co.uk/personal-finance/5-reasons-to-start-saving-into-a-pension-if-you-arent-already/) - When it comes to planning for your future, and more specifically your retirement, a pension could be the best way to ensure you hang up your boots with a comfortable nest egg to boot. Pensions come in many flavours (defined benefit, defined contribution, personal pensions, SIPPs, to name a few) and it can get a
- [Basics Of Business: What And Who You Need For Your Small Business](https://www.dumbfunded.co.uk/business/basics-of-business-what-and-who-you-need-for-your-small-business/) - Why do you want to start a business? There are plenty of answers – but the answer that you give might tell you a lot about the business you should be running. So if you just want a little extra money, perhaps you should consider a sideline. If you want more freedom and the chance
- [Introduction To International Trade](https://www.dumbfunded.co.uk/guides/introduction-to-international-trade/) - International taxes can be complicated and also hefty if you're considering international trade. The taxes you should be aware of are taxes on your profits, VAT, custom duties and any taxes that are local to the overseas country in question. It is advisable to seek professional assistance from a chartered accountant so you can be
- [Budget Friendly Ways To Promote Your Small Business](https://www.dumbfunded.co.uk/guides/budget-friendly-ways-to-promote-your-small-business/) - Many budget conscious and ambitious individuals choose to escape the constraints their historically repressed salaries have placed on their lifestyle by going into business for themselves. However, running a small business is the very definition of the long game. In order to become profitable quickly, startups need to storm out of the gate with their
- [The Best Eco-Friendly Methods That Will Save Your Business Money](https://www.dumbfunded.co.uk/guides/the-best-eco-friendly-methods-that-will-save-your-business-money/) - These days, there are so many products and services to choose from, that you have to set yourself apart. Businesses are being judged by their ethics as well as the products they present. In this environmentally conscious world, it's never been more important to be green fingered. But how can we do this in a
- [23% Of Americans Save Nothing Each Month](https://www.dumbfunded.co.uk/personal-finance/23-of-americans-save-nothing-each-month/) - If you were made redundant or taken ill, would you have enough savings to see you through? The First National Bank of Omaha released its 2019 Savings Survey results which indicate that 23% of Americans do not put any money towards savings from their paychecks. The survey was based on Americans' priorities, habits and behaviours
- [Keeping Your Finances In Order In Three Simple Steps](https://www.dumbfunded.co.uk/guides/keeping-your-finances-in-order-in-three-simple-steps/) - If you are looking to keep your finances in order, you have come to the right place. In this article, you will find three simple steps that will help you to keep your finances in the best possible shape. We know that this is not an easy task and one that many people struggle with
- [Could A Pension Dashboard Help You Take Control Of Future Finances?](https://www.dumbfunded.co.uk/news/could-a-pension-dashboard-help-you-take-control-of-future-finances/) - Last month, Amber Rudd gave the go ahead for the 'pension dashboard project', designed to help people bring the different elements of their pension (for instance, state pension and any personal/private pensions) in one place, giving a clear understanding of what their finances will look like after retirement. This is a policy that has cross-party
- [Save Petrol Money By Practicing Fuel Efficiency](https://www.dumbfunded.co.uk/cars/save-petrol-money-by-practicing-fuel-efficiency/) - Running a car is hardly cheap: after you've bought, taxed and repaired the thing you still have to feed it with pricey petrol. While we can't do anything about the fact that petrol and diesel costs always seem to be higher than what you remember, we are able to give you a few tips for
- [Six Things To Budget For In Your Business](https://www.dumbfunded.co.uk/guides/six-things-to-budget-for-in-your-business/) - Without money, you don't have a business that will get very far off the ground. Even if you have the most straightforward idea in the world, you still need cash to get it set up and on the go. Businesses are not easy to start; they can be stressful and, and they can take all
- [Top Industrialists Are Obsessed With Cleanliness. Why You Need To Join Them](https://www.dumbfunded.co.uk/guides/top-industrialists-are-obsessed-with-cleanliness-why-you-need-to-join-them/) - The words "dirty" and "industry" have often gone hand-in-hand. But in recent years, there's been a sea change. Large and small manufacturers alike have focused on creating highly-controlled, clean environments that are just as hygienic as hospitals, if not more so. The original image of dirty industry came about in the nineteenth century, thanks to
- [Why The Open Office Concept Died](https://www.dumbfunded.co.uk/guides/why-the-open-office-concept-died/) - Open offices were an invention of the 1990s - an attempt by businesses to replace the ubiquitous cubicle with something a little more worker-centric. In the beginning, the press celebrated these offices, with practically all major business magazines touting their virtues. But over time, it's become clear that open office arrangements are no more a
- [Essential Guide To Selling Your Home Fast](https://www.dumbfunded.co.uk/guides/essential-guide-to-selling-your-home-fast/) - Brexit is fast approaching, and many homeowners are generally unsure about selling their property in a turbulent market. With reports recently from RICS (Royal Institute of Chartered Surveyors) that the housing market is at an all time low, many homeowners are choosing to stay where they are until there is a clearer outcome. However, this
- [Saving Money With Essential Home Maintenance – Tips From Winchmore Hill Plumbing](https://www.dumbfunded.co.uk/guides/saving-money-with-essential-home-maintenance-tips-from-winchmore-hill-plumbing/) - With a little bit of forward planning, you can keep your plumbing systems healthy and avoid needing to call out a specialist. These Winchmore Hill Plumbing tips explain how to look after your home and, hopefully, avoid an expensive plumber callout. Suddenly realising that you have a plumbing issue can be really frustrating, especially if
- [4 Tricks To Make Your Home Or Office More Energy Efficient](https://www.dumbfunded.co.uk/energy/4-tricks-to-make-your-home-or-office-more-energy-efficient/) - We often talk about the importance of switching your energy provider to make sure that you're getting the best deal – but if you're already with the cheapest supplier there may be other ways to bring the cost down. One of the most important is making sure that your home or office is more energy
- [5 Top Energy Providers With A Green Tariff](https://www.dumbfunded.co.uk/energy/5-top-energy-providers-with-a-green-tariff/) - More and more business and homes are looking into ways to reduce their carbon foot print. The energy provided to power businesses and homes is a great place to start. Were do we start. Well a green supply tariff (GST) determines that some or almost all electricity that we buy gets 'matched' at the time
- [A Guide To Scottish Trust Deeds](https://www.dumbfunded.co.uk/personal-finance/a-guide-to-scottish-trust-deeds/) - Have you ever come across the term "Trust Deed" and wonder how it can help you catch up with debts and financial arrears? In this article, we'll cover everything you need to know about trust deeds, including how they are used, any advantages and disadvantages. What Are Trust Deeds? A Scottish trust deed is an
- [Options For Bad Credit Borrowers Plummet In Six Months](https://www.dumbfunded.co.uk/guides/options-for-bad-credit-borrowers-plummet-in-six-months/) - Bad credit has become an everyday reality for millions of individuals and households across the UK. As a result, bad credit mortgage borrowing (aka subprime borrowing) activity has seen a significant uptick over recent years. Although accessing competitive deals with a poor credit report has never been easy, but more people than ever before are
- [How To Avoid The Middle-Income Squeeze](https://www.dumbfunded.co.uk/personal-finance/how-to-avoid-the-middle-income-squeeze/) - 'Middle-income' or 'Middle-class' squeeze is the term for what happens when inflation hits people with moderately well-payed jobs: the costs associated with maintaining a certain lifestyle rise but wages don't necessarily follow. Traditionally, middle-earners play a vital role in helping to keep the economy healthy. By making more purchases, investing in health, housing and education,
- [How To Pay Off Your Debts Efficiently](https://www.dumbfunded.co.uk/guides/how-to-pay-off-your-debts-efficiently/) - Paying off your debts can seem like something that is totally impossible. After all, the more time that passes, the more interest is accrued, and the more difficult it can seem to manage all of your money problems. Whilst it is a complicated thing to deal with, and you may feel as though you're at
- [Easy Ways To Take Your Small Business To That Next Level](https://www.dumbfunded.co.uk/guides/easy-ways-to-take-your-small-business-to-that-next-level/) - Running a small business can really give you a lot of freedom. You may feel as though there are so many open doors for you to explore and that there are so many opportunities for you to take advantage of as well. If you want to help yourself to take things to that next level,
- [Emergency Loans: What You Must Know Before Getting One](https://www.dumbfunded.co.uk/loans/emergency-loans-what-you-must-know-before-getting-one/) - Sometimes emergencies happen and you need access to cash fast. So, what do you do when your rainy-day fund is empty and you need a sizeable sum of money urgently? An emergency loan could be your only option. Before you panic and take out the first emergency loan you come across, you would be wise
- [How To Grow Your Client List In Four Easy Steps](https://www.dumbfunded.co.uk/guides/how-to-grow-your-client-list-in-four-easy-steps/) - There are two client lists that matter. One, the clients you are currently partnered with and two, the clients you have already completed jobs for. Obviously, the first one brings in the cash, but it is the second list that helps you grow and attract new clients again and again. It is your previous clients
- [Arranging Your Self-Employed Pension](https://www.dumbfunded.co.uk/personal-finance/arranging-your-self-employed-pension/) - We love to help people who are setting out on their own as a freelancer or contractor – especially since it isn't always easy to get your finances in shape when you're only just starting out. Unfortunately, one thing that a lot of freelancers seem to skip out on is their pension. This is rarely
- [Adzuna: Competition for Jobs at Record Low](https://www.dumbfunded.co.uk/business/recruitment/great-time-for-job-seeking/) - Competition for jobs in the UK is at an all-time low, as advertised salaries hit 7-year high. Competition for jobs in the UK falls to record low, at nearly 4 vacancies per jobseeker. Average advertised salaries at a 7-year high South West showing 8.9% year-on-year wage increase Wales seeing a 2.0% year-on-year decline Competition for
- [How To Make The Most Out Of Your Office Renovation Budget](https://www.dumbfunded.co.uk/guides/how-to-make-the-most-out-of-your-office-renovation-budget/) - If you would like to raise your business profile and renovate your offices, there are a couple of things you will have to consider before you start the project. There are plenty of ways you can maximise your budget and the benefits you will get from the renovation that will last for several years. Find
- [The Process Of Taking Out A Mortgage](https://www.dumbfunded.co.uk/personal-finance/the-process-of-taking-out-a-mortgage/) - For most of us, buying a house is the most significant financial transaction that we will ever make. Before you can start thinking about what the right purchase is though, you will need to have a mortgage in place. Unless you are a property speculator the process of buying a house is an unfamiliar one
- [Reasons Why It's Time to Take Charge of Your Own Retirement Plan](https://www.dumbfunded.co.uk/personal-finance/reasons-why-its-time-to-take-charge-of-your-own-retirement-plan/) - If there is one lesson that should have been learned from history but wasn't, then it would be the importance of taking an active role in planning for your retirement. As all too many saw in the last decade, pension plans are not immune to market crashes and the unfortunate truth is, it is no
- [1 Year Free Business Banking Transfers with Tide](https://www.dumbfunded.co.uk/business/1-year-free-business-banking-transfers-with-tide/) - Get 1 year of free transfers with app-based business banking service Tide. With Tide you can create a business account in just a few minutes, start accepting payments and get a debit card with free UK spending. The Tide business account has no monthly or annual fees. Click here to go to the Tide site
- [Connecting With 'Warm' Ecommerce Customers](https://www.dumbfunded.co.uk/business/connecting-with-warm-ecommerce-customers/) - More than an acquaintance, but not yet a friend. In many ways, this could apply to your customer base. A lot of folks visit your ecommerce website and follow your social media pages, but rarely seal the deal. These are 'warm' customers. So, how exactly do you turn a 'warm' customer into a hot buyer?
- [5 Ways To Make Your Business Scalable](https://www.dumbfunded.co.uk/business/5-ways-to-make-your-business-scalable/) - Whether your business is in its early stages or established and ready for growth, making it scalable is more easily achieved with some forward planning and putting things in place in advance of when you might need them. If you're looking for funding then just about all potential investors look for a business that is
- [Budgeting For Your First Car](https://www.dumbfunded.co.uk/guides/budgeting/budgeting-for-your-first-car/) - Buying a car is a large financial decision that shouldn't be taken lightly – but whether you need it to commute to work or simply to run errands, it is also seen as a necessary investment for many. If you've never owned a car before, it can be easy to underestimate the costs. So, here's
- [Get Your Booming Business Back](https://www.dumbfunded.co.uk/guides/get-your-booming-business-back/) - Everyone is always so focused on creating something that they never had. If you read all of the business articles on the internet, they're geared towards startups, or towards people who are just in their first few months of running a business. These articles are fine, but where are the ones talking to the veterans
- ['We Need to Talk': 5 Financial Conversations You Need to Have with Your Partner](https://www.dumbfunded.co.uk/personal-finance/we-need-to-talk-5-financial-conversations-you-need-to-have-with-your-partner/) - Love and money – it's an explosive combination that accounts for plenty of conflict in a relationship. So, how do you go about talking with your significant other about finances? And what should you even talk about? Okay, well, first you want to settle down. These sort of conversations need to happen when you're both
- [What You Need To Know About 'Name Check'](https://www.dumbfunded.co.uk/banking/what-you-need-to-know-about-name-check/) - 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. We've pulled together all of the key facts to help you understand what this change means in practice and whether it's likely to
- [Why Should I Put My Money In A Bank?](https://www.dumbfunded.co.uk/guides/why-should-i-put-my-money-in-a-bank/) - Banks might have become an essential part of daily financial transactions nowadays, but the unstable nature of the stock market and the news of big banks failing might make you reconsider the decision of keeping your money in a bank. Nevertheless, banks are still the most intelligent and the safest places to put your money
- [Why Online Mortgage Calculators Can Save You Time (And Money)](https://www.dumbfunded.co.uk/personal-finance/mortgages/why-online-mortgage-calculators-can-save-you-time-and-money/) - Mortgages can be confusing, especially for first time buyers. How do you know if the interest rate is good? Are the monthly repayment costs affordable for your personal situation? Should you take out a fixed rate or a tracker rate mortgage? How long does the average mortgage last? Indeed, these are all questions that a
- [Have You Properly Budgeted Your Startup?](https://www.dumbfunded.co.uk/guides/have-you-properly-budgeted-your-startup/) - Startups need budgets, at their very core, to make sure they set up properly and get going with a good eye for their profit margin. The more money you save during the foundation of your business, the more resources you have to put to use during the first 6 months to a year, which is
- [Improve Your Office Experience With 3 Fabulous Hints](https://www.dumbfunded.co.uk/guides/improve-your-office-experience-with-3-fabulous-hints/) - There are a lot of things that you need to keep in mind that are going to help you improve your office experience. These days, you need to make sure you are making the most of the office environment, and this is something that plays a part. There are a lot of things you have
- [Why Use A Credit Card As A Budgeting Tool?](https://www.dumbfunded.co.uk/personal-finance/why-use-a-credit-card-as-a-budgeting-tool/) - Credit cards are a fickle financial product: high interest and fees for late payments mean that many of us are warned against using them as children, however they can also offer a range of benefits for anyone who understands them properly. Traditionally used to spread the cost of a large expense, we've recently heard about
- [Understanding The Conveyancing Process](https://www.dumbfunded.co.uk/guides/understanding-the-conveyancing-process/) - Buying a new home is an exciting but stressful process, full of new opportunity but also new lingo that you need to learn and processes that have to be completed. One of these things is 'conveyancing' – which is the term used to refer to the legal transference of property ownership from the seller to
- [When To Use A Payroll Consultant](https://www.dumbfunded.co.uk/business/when-to-use-a-payroll-consultant/) - If you're running a small business, you probably don't have an in-house payroll expert. Perhaps you started out as a sole trader and recently decided to expand by hiring a few members of staff – which is great news for your business, but also means that you suddenly have a lot more responsibilities than when
- [Simple Budgeting Advice For Single Parents](https://www.dumbfunded.co.uk/guides/simple-budgeting-advice-for-single-parents/) - Being a single parent is something that comes with a lot of unique challenges to face - particularly when it comes to managing your finances. As wonderful as raising children can be, it's not something that generally comes cheap. While two parents often mean two incomes to help make ends meet - as a single
- [What Is The NHS Continuing Healthcare Checklist?](https://www.dumbfunded.co.uk/guides/what-is-the-nhs-continuing-healthcare-checklist/) - After being discharged from hospital, some patients need to move into a nursing home, or into the care of a health and social team. The NHS continuing healthcare checklist is used to determine whether or not the person in question is eligible for free care under the NHS. If you are unwell yourself, or you’re
- [Take Control Of Your Workplace Pension](https://www.dumbfunded.co.uk/personal-finance/take-control-of-your-workplace-pension/) - Thanks to auto-enrollment, workers across the country now have a defined contribution pension set up and managed by their employer. Although it means that your pay packet will be a little lighter at the end of each month, it amounts to a pay rise in the long run as your employer will make a contribution
- [Don't Start A Business Until You Can Answer Yes To These Questions](https://www.dumbfunded.co.uk/guides/dont-start-a-business-until-you-can-answer-yes-to-these-questions/) - As industries change, shift, and even collapse, many of us are turning to the idea of starting our own businesses. So much so, in fact, that the UK is in somewhat of a 'startup revolution'. And, when you consider the 660,000 people started a business in 2016 alone, it's easy to see why. The argument
- [Changes To The Driving Test?](https://www.dumbfunded.co.uk/cars/changes-to-the-driving-test/) - Would you like your say on the proposed changes to the UK driving test? In November 2015 the government (via the Department for Transport ) released a consultation about significant changes that could be made to the UK driving test. At the moment only 21% of people who pass their driving test are taking the
- [Considering Expanding And Taking On Staff? You Need To Prioritise Their Wellbeing!](https://www.dumbfunded.co.uk/infographics/considering-expanding-and-taking-on-staff-you-need-to-prioritise-their-wellbeing/) - Witnessing your business experience success once it has been set up is one of the most exciting experiences you can have as a small business owner. Sales being generated, profit mounting up, and demand increasing can be thrilling. It's not all too surprising that you're going to want to maintain this momentum and see your
- [How British Workers Took Time Off In 2018](https://www.dumbfunded.co.uk/infographics/how-british-workers-took-time-off-in-2018/) - Using insights collected from BrightHR's HR software, an infographic was created to showcase interesting facts about how British workers took time in 2018
- [How To Divide Assets If Your Relationship Ends](https://www.dumbfunded.co.uk/personal-finance/how-to-divide-assets-if-your-relationship-ends/) - There are lots of things to think about if you break up with your significant other – but in between processing your emotions and adjusting to a new routine, it's important to also take some time to divide your assets, as this will have big financial ramifications for both parties. In all of these examples,
- [The Top Banking Apps To Help You Save In 2019](https://www.dumbfunded.co.uk/apps/the-top-banking-apps-to-help-you-save-in-2019/) - Saving money can seem like an impossible task with monthly costs amounting to a small fortune. However, we have a solution for you. There are a number of money-saving apps out there for you allowing you to have the key to money saving in the palm of your hand in a time when an online
- [Key Indicators For A Potential Stock Market Crash](https://www.dumbfunded.co.uk/guides/key-indicators-for-a-potential-stock-market-crash/) - In 2008/9, the world saw the worst financial crash since the great depression. In the aftermath of the crash, many people lost their jobs and homes ans top institutions like Bear Sterns and Lehman Brothers went bankrupt. Since then however, stocks have mainly been in a bull market, with indices like S&P and Nasdaq gaining
- [Make The Most Of Your Unwanted Possessions](https://www.dumbfunded.co.uk/guides/make-the-most-of-your-unwanted-possessions/) - It's common for a lot of people to forget just how many belongings and possessions they have within their homes - especially if they have been living in the same property for a long time. When items are bought, they may be used for as long as the owner wants to use them or until
- [5 Ways To Save Money On Business Equipment](https://www.dumbfunded.co.uk/guides/5-ways-to-save-money-on-business-equipment/) - Acquiring equipment for your business can be a big cost to consider. Here are five ways in which you can save money on business equipment. Hit the sales Business equipment retailers offer sales periods throughout the year just like any other retailer. January tends to be a big time for deals – many companies are
- [Increasing Your Website Traffic](https://www.dumbfunded.co.uk/guides/increasing-your-website-traffic/) - The online world is all about exposure. You can have a dynamic, innovative, and creative website, but if it is not gaining a high level of traffic then what's the point? So, how do you increase your site traffic? Implementing a successful SEO strategy You should dedicate a significant amount of time to perfecting your
- [Spend Money To Make Money: Important Startup Expenses 100%](https://www.dumbfunded.co.uk/guides/spend-money-to-make-money-important-startup-expenses-100/) - When you are trying to launch a startup, you need to make sure you look at what you can do to make money and be a success as much as possible. However, you have to remember that in order to make money as a business, you have to spend it. Getting a handle on your
- [What Is APR And What's In It for Me?](https://www.dumbfunded.co.uk/loans/what-is-apr-and-whats-in-it-for-me/) - We've all seen those adverts for loans and credit cards – the benefits sound great, but tucked away in the smallest possible print at the bottom of the screen or poster is a little note about APR. But what is this hidden cost, how does it work, and how can you ensure you get the
- [Data Visualisation: Young People Not In Education, Employment Or Training (NEET)](https://www.dumbfunded.co.uk/infographics/data-visualisation-young-people-not-in-education-employment-or-training-neet/) - We have put together a data visualisation from the latest statistics on young people not in education, employment or training - known as 'NEET'. Data source: ONS.gov.uk - Young people not in education, employment or training (NEET) - 28 February 2019 Tool used: Charted.co Notes: We used the men's and women's data sets, not seasonally
- [What Can You Use A Personal Loan For?](https://www.dumbfunded.co.uk/loans/how-can-you-use-a-personal-loan/) - For people who have never loaned money before, taking out a personal bank loan can be an intimidating experience. But they can also be a really helpful way to access additional cash when you need it, so long as you have these two things: A clear plan of how you're going to afford to make
- [Brainstorm Of The Century](https://www.dumbfunded.co.uk/guides/brainstorm-of-the-century/) - One of the hardest parts of running a business is coming up with the initial idea. With so many businesses out there, it can be hard to find your niche. And, on top of this, a lot of people don't really have any idea of what they'd like to be doing. It doesn't have to
- [MasterCard Selfie Pay](https://www.dumbfunded.co.uk/news/mastercard-selfie-pay/) - Mastercard wants to replace old-fashioned mobile password with selfies to approve online payments. Have we gone too far? Financial services giant Mastercard recently announced a new product which enables customers to authenticate purchases by snapping a picture on their smartphone? Is the company's move towards selfie-security a step in the right direction, or a step
- [How Renewable Energy In The Home Will Save You Money](https://www.dumbfunded.co.uk/energy/energy-saving/how-renewable-energy-in-the-home-will-save-you-money/) - The discussion about global warming and renewable energy has never been louder. Although scientists have been pointing out the obvious for well over a decade, change is finally coming. Big decisions have been made at international conferences, and global opinion is changing. However, it's often difficult to see how we can help on a small,
- [4 Things Every UK Airbnb Host Needs to Know About Insurance](https://www.dumbfunded.co.uk/insurance/home-insurance/4-things-every-uk-airbnb-host-needs-to-know-about-insurance/) - Airbnb offers homeowners in the UK the opportunity to make some extra money by renting our their homes. For many this seems like a very lucrative and intriguing business but there are many insurance implications that you will need to consider first. Insurance startup Bought By Many have made your life a little easier by reviewing insurance policies concerning Airbnb hosts.
- [24 Awesome Skills to Learn for Free Online](https://www.dumbfunded.co.uk/guides/24-awesome-skills-to-learn-for-free-online/) - The internet is an amazing thing. You can learn an incredible range of skills, and earn money within no time with your skill. This excellent post taken from Imgur lists 24 different skills you can learn online for free. Enjoy! 1. Become an Excel expert http://chandoo.org Chandoo is one of many gracious Excel experts who
- [The Beginner’s Guide To Improving Business Communication](https://www.dumbfunded.co.uk/business/the-beginners-guide-to-improving-business-communication/) - Communication is an essential part of the business world. If your business has good communication skills, it's more likely to be a success. Bearing that in mind, here's a guide to help your business improve in this field: Improve External Communications It's vital that your business learns how to communicate with the outside world. This
- [7 Overlooked Costs Of Running A Business](https://www.dumbfunded.co.uk/guides/7-overlooked-costs-of-running-a-business/) - Many people realise that running a business comes with a lot of costs, but there are some expenses that can often be overlooked. These costs can often catch business owners out and lead to cashflow problems. Here are just 7 overlooked business expenses and how to reduce each of these costs. Legal fees A business
- [Top 5 Smart Home Systems To Improve Your Home Office](https://www.dumbfunded.co.uk/guides/top-5-smart-home-systems-to-improve-your-home-office/) - Is the traditional office a thing of the past? Remote working is certainly on the up and up. Incredibly quick home internet speeds and excellent home office setups mean that many (if not most) of us don't actually need to go to the office to get our best work done. If you're ready to embrace
- [Cyber Security Mistakes Your Business Cannot Afford to Make](https://www.dumbfunded.co.uk/guides/cyber-security-mistakes-your-business-cannot-afford-to-make/) - Cyber security is something that all businesses need to be concerned with today. It does not matter how small or big your company is, or what industry you operate in, you need to make data protection a priority. After all, it seems that a day does not go by without news of a breach –
- [Saving Money On Your Next Car](https://www.dumbfunded.co.uk/cars/saving-money-on-your-next-car/) - Cars are an important part of our everyday lives and for most of us, they signal independence and the ability to get about in our daily lives. Buying a new car is a massive financial commitment and second, to buying a house it is one of the biggest buying decisions you will make in your
- [Data Visualisation: Percentage Of People In Employment On A Zero Hours Contract In The UK](https://www.dumbfunded.co.uk/infographics/percentage-of-people-in-employment-on-a-zero-hours-contract-in-the-uk/) - We have put together a data visualisation of the percentage of employed people on zero hours contracts in the UK. Data source: ONS.gov.uk - EMP17: People in employment on zero hours contracts - 19 February 2019 Tool used: Charted.co Notes: The way data periods were organised changed in 2014 to be split into two sections
- [Save Money By Buying Higher Quality](https://www.dumbfunded.co.uk/personal-finance/save-money-by-buying-higher-quality/) - Buy cheap, buy twice - or so the saying goes. The point being: if you want good quality items that last, you need to be willing to pay for them. And it's true; spending a little more to get good quality items can save in the long run, especially with things like clothes or furniture,
- [How To Access Loans When Moving To The UK](https://www.dumbfunded.co.uk/loans/how-to-access-loans-when-moving-to-the-uk/) - Moving to the U.K is a massive step for anyone. A lot of time and hard work goes into pre-planning the move. Finances need to be in order, transport needs to be arranged. Do you fly over with all of your belongings? Should you fly by yourself and have your belongings posted over? Do you
- [How Much Is £10,000 Worth In Today’s World?](https://www.dumbfunded.co.uk/personal-finance/how-much-is-10000-worth-in-todays-world/) - 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. While we can speculate all day about whether this sort of financial redistribution is ever likely to happen, or even a good idea in the first place, it
- [Looking After Your Employees: How To Prevent Injuries In The Workplace](https://www.dumbfunded.co.uk/guides/looking-after-your-employees-how-to-prevent-injuries-in-the-workplace/) - As a business owner, you're going to have a lot to handle each day. However, the one task more important than anything else is looking after your employees. They are the backbone of your company, after all. Even a single accident in the workplace can have a huge impact on your business, resulting in lost
- [How To Start Your Own Coffee Roasting Business](https://www.dumbfunded.co.uk/guides/how-to-start-your-own-coffee-roasting-business/) - Coffee used to be something that people drank to wake themselves up in the morning and get through the work day, but in the last decade or so, it's really taken off. Now there are coffee shops all over the place and loads of new companies that are producing high end coffee for use in
- [How Technology Can Make Small Biz Marketing Easier](https://www.dumbfunded.co.uk/guides/how-technology-can-make-small-biz-marketing-easier/) - When it comes to your business's marketing, particularly when it's a small business, it's not always as simple as you might like it to be. However, the good news is that thanks to the implementation of smart technology into everyday life, it is far simpler and easier to manage. The key is understanding what it
- [Tech Startup Elder 'Building' Forty New UK Care Homes in 2019](https://www.dumbfunded.co.uk/retirement/tech-startup-elder-building-forty-new-uk-care-homes-in-2019/) - Live-in care startup, Elder, ‘built’ the equivalent of 20 care homes last year, is projecting thirty more for 2019. As the UK care home sectors continue to struggle with a combination of an ageing population, coupled with a lack of funding to get new projects off the ground, Elder is seeing unprecedented growth by using
- [Is There Any Way Money Matters Could Be A Little Easier?](https://www.dumbfunded.co.uk/guides/is-there-any-way-money-matters-could-be-a-little-easier/) - There's a lot of questions we have about money - specifically our own personal finances. And when it comes to counting out your pennies and making sure they all add up right, you've got a lot of work to do. Especially if you're someone who considers themselves no good with money, and even hearing the
- [Eni S.P.A. – Company Profile](https://www.dumbfunded.co.uk/investing/eni-company-profile/) - Eni is an Italian multinational oil and gas company. Founded 65 years ago, it is now amongst the world’s largest industrial companies by market capitalisation. Eni has also been perpetually ranking among the top 100 on Fortune Global 500 list for largest companies in terms of revenue. Popular Italian stock broker TradeFW provides the overview of investing
- [4 Things You Can't Ignore If You Want To Start A Business](https://www.dumbfunded.co.uk/guides/4-things-you-cant-ignore-if-you-want-to-start-a-business/) - Starting a business in the modern world is becoming more and more popular and accessible as well. If you want to start a successful modern company that you can pour everything into, then you need to take steps to achieve this right now. And the way you do that is to ensure you avoid a
- [Wonga South Africa keeps Its head Above Water Amid UK Administration](https://www.dumbfunded.co.uk/news/wonga-south-africa-keeps-its-head-above-water-amid-uk-administration/) - Brett van Aswegen of Wonga South Africa, released a statement from the company on the 31st of August 2018, to confirm that the two organisations are completely separate identities and Wonga South africa will continue ‘business as usual’ with customers unaffected. Recently, the U.K. short-term credit industry has faced compensation claims regarding old loans taken
- [5 Things You Should Know If You Want To Start Trading Forex](https://www.dumbfunded.co.uk/investing/5-things-you-should-know-if-you-want-to-start-trading-forex/) - So you decided to get your feet wet on the world's largest financial market? Congratulations! Forex trading can be a very lucrative undertaking if you know how to analyse the various factors which influence exchange rates on a daily basis. However, before you dig deeper into the world of trading and start to gain experience
- [The 5 Most Insanely Luxurious Hotels In The World](https://www.dumbfunded.co.uk/travel/the-5-most-insanely-luxurious-hotels-in-the-world/) - Imagine you're a business magnate or major Hollywood celebrity with endless pockets and a lust for spending your cash. A normal hotel, be it a budget hostel, middling 3-star or even a glamorous 5-star hotel chain, just won't do. Travelling for the mega rich goes way beyond the gold standard of your typical hotelier service;
- [Haggling 101: How To Get The Best Deal](https://www.dumbfunded.co.uk/personal-finance/haggling-101-how-to-get-the-best-deal/) - 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. But if that's the case, you're probably missing out on some great bargains that come from
- [The Great Data Ripoff - User Charged £350 By BT For Exceeding Broadband Plan Limits](https://www.dumbfunded.co.uk/technology/the-great-data-ripoff-user-charged-350-by-bt-for-exceeding-broadband-plan-limits/) - If you are thinking of saving money by choosing a lower priced non-unlimited broadband plan you might want to think twice. Reddit user Wildguess0 reported that his mother had switched to a 30 GB plan with BT and had not let them and their brother know when they returned for Christmas, only for them to
- [7 Decisions To Make When Writing A Will](https://www.dumbfunded.co.uk/retirement/financial-decisions-to-make-when-writing-a-will/) - Writing a will is something everyone should do - you don't need to wait. We have put together a quick guide to some of the things you might want to think about before putting together a will. The idea of writing a will might sound pretty daunting, but writing one doesn't necessarily mean you're at
- [Want To Become A Freelancer? Essential Tips To Get Started](https://www.dumbfunded.co.uk/guides/freelancing/want-to-become-a-freelancer-essential-tips-to-get-started/) - Are you itching to free yourself from the hassle of full-time employment in an office? Read on for our guide for new freelancers looking to get started. Freelancers tend to have a well-developed set of skills in a particular area such as web design, photography or consultancy. But this doesn’t necessarily translate into expertise on
- [4 Alternatives To Downsizing Your Family Home](https://www.dumbfunded.co.uk/guides/property/4-alternatives-to-downsizing-your-family-home/) - While some people can’t wait for the kids to fly the nest so they can downsize and travel the world, for others the dream is more of a nightmare. Many people become so attached to the home where they raised a family that the thought of leaving it can be heart-wrenching. But what if you
- [Different Types Of Loans (US vs UK)](https://www.dumbfunded.co.uk/loans/different-types-of-loans-us-vs-uk/) - We take a look at some of the different types of loans available in the UK & US. This article will show you that there are many loan options online. Bear in mind that there is no single best method, as each method has its pros and cons and the right loan will depend on
- [See Itemised Receipts Direct In Monzo With Flux](https://www.dumbfunded.co.uk/banking/see-itemised-receipts-direct-in-monzo/) - Every week seems to see new features and products coming from the fintech and banking sector - and this week we have a new feature from banking tech unicorn Monzo in the form of a partnership with award winning startup Flux. The concept behind Flux and the tech it is bringing to the Monzo platform
- [Get A Free Revolut Card (New Customers)](https://www.dumbfunded.co.uk/apps/get-a-free-revolut-card-new-customers/) - We have teamed up with Revolut to offer Dumb Funded readers a free Revolut card! ➡️ Click here to get your free Revolut card Existing customers please note that the free card offer is for new customers only. To get the free card just visit the link, enter your phone number and follow the instructions
- [Ways To Invest In The Wellbeing Of Your Employees That Can, In Turn, Boost Revenue](https://www.dumbfunded.co.uk/guides/ways-to-invest-in-the-wellbeing-of-your-employees-that-can-in-turn-boost-revenue/) - There are many different things that an employer and business owner might need to consider when it comes to trying to identify the best strategies for boosting revenue over the long term. Certainly, using the right innovative technologies might be a big deal, not to mention having a clear business vision, and directing funds and
- [Home Improvements That Can Boost Your Property's Value](https://www.dumbfunded.co.uk/guides/home-improvements-that-can-boost-your-propertys-value/) - Once you've bought a house, you might think that all the hard work is over. Sure, you no longer have to spend time liaising between solicitors and estate agents anymore, and you can finally start to settle into your new home. However, now it's time to start thinking about how you can add some value
- [Worthwhile Financial Techniques To Put Into Practice](https://www.dumbfunded.co.uk/guides/worthwhile-financial-techniques-to-put-into-practice/) - Keeping your finances in order involves more than earning a decent salary. Obviously, your income factors into your financial security, but fiscal responsibility is the most important element of monetary stability. You need to think about the way in which you spend, invest, and save your money if you want to protect your earnings in
- [Is Your Farm As Profitable As Possible?](https://www.dumbfunded.co.uk/guides/is-your-farm-as-profitable-as-possible/) - Living off the land comes with many rewards, but it comes with its fair share of challenges too. Namely, we're talking about making a profit. Unlike other industries that artificially manufacture manmade products or generate services at the hands of their team members, you rely on nature for your produce. And even though human input
- [4 Costly Mistakes 70% Freelancers Make](https://www.dumbfunded.co.uk/guides/4-costly-mistakes-70-freelancers-make/) - The UK has 2 million freelancers as of August 2018, and the number is still rising. However, while self-employment remains an appealing career platform, freelancers can find it difficult to establish themselves in a crowded market. Indeed, freelancers tend to provide their work to other people who, in turn, sell the pieces further such as
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- [Missing Paycheck? Here's What to Do](https://www.dumbfunded.co.uk/personal-finance/missing-paycheck-heres-what-to-do/) - Ever got to the end of the month and found that your pay packet is a little lighter than it should be? It's not a pleasant situation to be in – but whether you're employed by a company or working for yourself, there are things that you can do to reclaim your cash. If you've
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- [Lose Paper, Gain Money: Why Your Business Needs To Ditch The Paper](https://www.dumbfunded.co.uk/business/lose-paper-gain-money-why-your-business-needs-to-ditch-the-paper/) - We've come to a point now where we've finally realised that our abundant paper usage is not only environmentally detrimental, but also quite frankly superfluous and irrational. We're now living through times, where in retail, shops are asking for our email addresses for our digital receipts. So why should our offices and 'back of house'
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- [Are Small Energy Suppliers Safe?](https://www.dumbfunded.co.uk/energy/are-small-energy-suppliers-safe/) - Switching energy suppliers has become an important item on the to-do list for anybody looking to minimise their outgoings. Often, this means moving to one of the smaller energy suppliers – potentially somebody you hadn't even heard of before. It's a great way to save money, but it also means that you're putting your energy
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- [How Do Top Businesses Gain More Customers?](https://www.dumbfunded.co.uk/guides/how-do-top-businesses-gain-more-customers/) - The world of business has seen dramatic changes over the past decade or two. Nevertheless, the basic principles remain untouched by progression. The fight for customers is as important as ever. If anything, the battle has become even tougher. Quite frankly, this is the one area of commerce that no company can afford to get
- [5 Things To Consider Before Getting A Loan](https://www.dumbfunded.co.uk/loans/5-things-to-consider-before-getting-a-loan/) - Thinking about getting a loan? Well, before you go hitting that 'Apply' button or ringing your bank, there are a few questions you'll need to ask yourself. That way, when it comes to making a successful application, you'll know exactly why you're applying, what financial impact it'll have on you, and how to ensure you
- [Greenify Your Business To Save Money](https://www.dumbfunded.co.uk/guides/greenify-your-business-to-save-money/) - It doesn't matter whether you are a freelancer working from home, whether you have begun an eBay empire or whether you are in the throes of setting up a small accountancy firm specialising in providing support to contractors, there will be ways that you can flex your eco-credentials. Being green is something that has permeated
- [Common Tax Mistakes By Startups](https://www.dumbfunded.co.uk/startups/common-tax-mistakes-by-startups/) - Many small businesses and startups do a fantastic job and provide an amazing service to their clients and customers. But too often they can be tripped up by the tricky business of taxes. Here are some of the most common tax mistakes made by startups and how you can avoid them. Not getting tax planning
- [How To Make Sure Your Online Business Is Operating Professionally](https://www.dumbfunded.co.uk/guides/how-to-make-sure-your-online-business-is-operating-professionally/) - When you go into business for yourself, it can be an exciting venture. Being your own boss, controlling your own income, and having the ability to improve your future prospects is like no other feeling. So when you start out on your own, you're going to want to make sure that you get things right.
- [How Mobile Card Readers Can Help Small Businesses](https://www.dumbfunded.co.uk/business/how-mobile-card-readers-can-help-small-businesses/) - We all know what the most important thing in business is, don't we? I'll give you a clue, it's not profit! For many business owners, the most important thing is cash flow. Why? The answer is simple, you can make as much profit as you like but if you never get paid off your customers
- [4 Important Things You Need To Think About When Starting Your Own Business](https://www.dumbfunded.co.uk/guides/4-important-things-you-need-to-think-about-when-starting-your-own-business/) - Starting a new business and keeping it running, whether it is something you have had in the works for a while or something you are just keen to see on its feet, is no small task. Starting a business may seem like a fairly easy task to complete, actually continuing its success and bringing in
- [The Financial Costs In Starting Your Own Business](https://www.dumbfunded.co.uk/guides/the-financial-costs-in-starting-your-own-business/) - In today's society, where unemployment is high, more people than ever before are taking the self-employment route to bring in income. Unfortunately, due to poor business planning, many businesses fail within the first year. Effective planning means taking stock of your financial situation. A business can be started with a computer and a product idea,
- [How To Get Educated On Personal Finances](https://www.dumbfunded.co.uk/guides/how-to-get-educated-on-personal-finances/) - In life, there are few things more vital that knowing the world of personal finances inside out. If you don't understand the key information about debts, budgets, and money matters, you could find yourself spiralling into debt - or spending all of your money and having no savings - and this is the last thing
- [Everything You Need To Know About Micro-Investing](https://www.dumbfunded.co.uk/investing/everything-you-need-to-know-about-micro-investing/) - Want to watch your money grow? Many people with only a limited amount of disposable income never think to try investing – but now, with a wave of micro-investment apps sweeping over the country that looks set to change. Doing more or less exactly what you'd expect, micro-investment apps are tools that make it investment
- [Thinking Ahead To Your Retirement With Pension Planning](https://www.dumbfunded.co.uk/personal-finance/thinking-ahead-to-your-retirement-with-pension-planning/) - It is difficult to even think about your retirement when you are so focused on work and managing your finances month-to-month. House prices, the cost of renting and a general increase in the cost of living has made it challenging to manage monthly finances for many with lots of people working paycheque to paycheque each
- [What Are The Varying Levels Of GAP Insurance?](https://www.dumbfunded.co.uk/insurance/what-are-the-varying-levels-of-gap-insurance/) - The better insurance policies often come with tiers. This makes them more adaptable to customer needs, and thereby more useful, affordable and relevant to the public. After all, most people would like the cheapest insurance on offer. It's a win-win scenario for everyone and builds better business to consumer relationships with more and more people
- [Your Guide On How To Invest In Commodities](https://www.dumbfunded.co.uk/guides/your-guide-on-how-to-invest-in-commodities/) - Throughout 2018, commodities have been considered the investment to make – but why, and how do you go about doing this? Commodities are integral to our day-to-day lives, whether they're related to metals, food or energy. Yet, in the past, investors steered clear of commodities due to how time-consuming and complicated they were. But not
- [FCA To End Excessive Bank Overdraft Charges](https://www.dumbfunded.co.uk/banking/fca-to-end-excessive-bank-overdraft-charges/) - The FCA is to make sweeping changes to the 'dysfunctional' system of banking overdraft charges that takes £2.4bn from the pockets of UK consumers every year. The current complex range of fees and charges, including daily charges, will be removed in favour of a simple to understand interest rate. Under the proposals banks will not
- [New: £150 Switching Bonus From NatWest](https://www.dumbfunded.co.uk/banking/new-150-switching-bonus-from-natwest/) - NatWest have just launched a new current account switching bonus for customers in the UK. New and existing customers can switch accounts to acquire a £150 switching bonus on completion of required terms. You must apply for the new account between today and the 15th of February 2019, so just 5 weeks to go. One
- [Lloyds Launch 100% Mortgage For First Time Buyers, Guarantor Needed](https://www.dumbfunded.co.uk/personal-finance/mortgages/lloyds-launch-100-mortgage-for-first-time-buyers-guarantor-needed/) - Lloyds have today launched a new type of 100% mortgage product for first time buyers in the UK. The product immediately drew criticism from commentators online, for the fact that although it is pitched as a 100% mortgage, there is actually a requirement for a guarantor such as a family member to pay a 10%
- [How To Successfully Market A Small Business](https://www.dumbfunded.co.uk/guides/how-to-successfully-market-a-small-business/) - If you're a small business owner, you'll know how important it is to get your marketing and advertising strategies right. Not only will a successful marketing campaign bring new customers to your business, but it will also help you to shape a brand, and you'll be contributing to the image that people have in their
- [Winter Money Saving Tips](https://www.dumbfunded.co.uk/guides/winter-money-saving-tips/) - For most families the winter is an expensive time of the year. There is the expense of Christmas to deal with, as well as making sure everyone has enough warm clothes. In addition, there is the fact that your fuel and power bills are always higher during the winter months. It costs more to heat
- [Are We Sleep Walking Into A Retirement Crisis? [Infographic]](https://www.dumbfunded.co.uk/personal-finance/are-we-sleep-walking-into-a-retirement-crisis-infographic/) - An infographic that takes a look into the upcoming pension and retirement crisis. This infographic from 247Moneybox highlights a lot of the issues that people in the UK are going to be facing in the future if we do not start to save properly for our retirement. The survey which spoke to 100 UK adults showed
- [How To Manage The Money From Your Side Gig – Part 1](https://www.dumbfunded.co.uk/personal-finance/how-to-manage-the-money-from-your-side-gig-part-1/) - '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. Often made up of freelance work that can
- [Understanding APR](https://www.dumbfunded.co.uk/loans/understanding-apr/) - We have all heard of APR but very few of us actually know what it is, let alone what it's worth. Which is rather scary when a lot of our financial decisions can be made on it. Then add to the mix that there is a difference in the formula for European APR and American
- [How To Take The Stress Out Of Moving Abroad](https://www.dumbfunded.co.uk/guides/how-to-take-the-stress-out-of-moving-abroad/) - After decades of working tirelessly, you are now approaching retirement age. As you do, the idea of moving abroad to see out the rest of your days is an increasingly attractive proposition. Good on you! You've spent years providing for everyone else around you, now is the time to start thinking about yourself. The kids
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- [A Healthy Return: Ethical Investments For The Green-Minded](https://www.dumbfunded.co.uk/investing/a-healthy-return-ethical-investments-for-the-green-minded/) - With Good Money Week about to wrap up, it's been a lot of awareness around ethical saving and investment lately - especially on social media. The sustainability is sort of trending, with an 11 % increase in assets across almost 200 charities, according to investment firm Good With Money. Wealth makes the world go around,
- [How Much Life Insurance Do I Need?](https://www.dumbfunded.co.uk/insurance/how-much-life-insurance-do-i-need/) - Money management is a skill that's seldom taught throughout life. However, it is crucial for us all not only to survive but also to set up our futures and those of our families. It allows people to keep out of debt, use credit wisely and build a nest egg. Part of knowing how to manage
- [4 Key Business Services You Should Be Outsourcing  100%](https://www.dumbfunded.co.uk/guides/4-key-business-services-you-should-be-outsourcing-100/) - If you're running a business, you need to explore the best ways to cut costs. Cutting costs will keep your business efficient and competitive on the market. This means that you're more likely to survive issues such as an economic recession and could win the favour or support of more customers. One of the best
- [Personal Injury? The Steps You Need to Take Next](https://www.dumbfunded.co.uk/guides/personal-injury-the-steps-you-need-to-take-next/) - Suffering from a personal injury is something we all hope we'll never have to do. Unfortunately this isn't always the case, and these things can happen when we least expect them to. So, if you've suffered from a personal injury, here are the steps you need to take next: Take Pictures Take pictures of your
- [How To Get The Best Value When Leasing A Car Or Van](https://www.dumbfunded.co.uk/cars/car-leasing/how-to-get-the-best-value-when-leasing-a-car-or-van/) - Leasing is becoming an increasingly popular method of financing a new vehicle, but the question many people are asking is... "Which is the best value lease for me?" In this blog post we'll discuss the different types of leasing, as well as getting the best value for money. We'll start with an overview of the
- [Give No Quarter In Your Brick And Mortar](https://www.dumbfunded.co.uk/guides/give-no-quarter-in-your-brick-and-mortar/) - Owning and running a shop can often be a difficult job. Your business has to be able to run and operate normally; while also worrying about loads of other factors, like bills and employees. Then, you have to consider the customers, too. And, while having to deal with all of this, you have to make
- [Essential Steps to Save Money on Your First Home](https://www.dumbfunded.co.uk/guides/essential-steps-to-save-money-on-your-first-home/) - Buying your first home is an exciting yet daunting prospect. You've finally saved up enough for a deposit, and you're ready to get a mortgage and start house hunting. But it's taken you a long time to reach this place, and you don't want to mess it up now. Spending more than you need to
- [What Are the Most Important Financial Costs for Your Business?](https://www.dumbfunded.co.uk/business/finance/what-are-the-most-important-financial-costs-for-your-business/) - When you’re starting up your own business, there’s going to be a lot of extra responsibilities. Some of them you might not even have been aware of until now. But you’re standing on your own two feet now, and you need to get serious. You’re going to face a lot of financial pressure now as
- [Boost Your Income In Your Spare Time With These Online Activities](https://www.dumbfunded.co.uk/guides/boost-your-income-in-your-spare-time-with-these-online-activities/) - Most people have a typical 9-5 day job. But have you ever noticed that the money you earn just doesn't seem to stretch far enough? Sometimes, you might feel like you're sailing a little too close to the wind! The good news is that it's easy to make a little extra cash in your spare
- [Ways To Make Your Holidays Cheaper](https://www.dumbfunded.co.uk/travel/ways-to-make-your-holidays-cheaper/) - Holidays can be a luxury some of us save up all year to enjoy and, when there's more than one of you to consider, the expense reaches new limits! For parents, it can be hard to say no to our children's demands, and singletons can often lose out having to pay unnecessary excess charges. With
- [Afford The House Of Your Dreams With These 3 Tips!](https://www.dumbfunded.co.uk/guides/afford-the-house-of-your-dreams-with-these-3-tips/) - The biggest financial commitment in your life will be buying a home. They cost more than any other thing you'll buy. As such, people sometimes find it difficult to afford one. So, I've come up with a few tips to help you afford the house of your dreams: Start Saving Now! If you don't want
- [5 Budgeting Steps to Help You Reach Financial Freedom in 2014](https://www.dumbfunded.co.uk/guides/budgeting/5-useful-budgeting-steps-to-help-you-reach-financial-freedom-in-2014/) - It is estimated that over half of the new years resolutions made this year will be financial ones. If you’re one of the many millions of people with goals to save more, spend less, pay off debt, or even develop a long-term financial plan for 2014, then you’ll want to ensure that you carefully plan
- [How To Budget For The Big Day](https://www.dumbfunded.co.uk/guides/budgeting/how-to-budget-for-he-big-day/) - Would it shock you to believe that the average wedding in the UK is estimated to cost up to £20,000! So just as the rose tinted glasses fade from the proposal, along comes the huge financial costs that scare you into the reality of having to plan a wedding. On any other occasion items wouldn't
- [How To Budget For A Thrifty Christmas](https://www.dumbfunded.co.uk/personal-finance/how-to-budget-for-a-thrifty-christmas/) - With November upon us, anybody who wants to make sure they get the bargains in will need to make sure that they're starting to think about Christmas shopping – the early bird catches the worm, after all. But when money is tight, even thinking about Christmas can be frustrating as you end up wondering how
- [How to Make a Personal Budget Spreadsheet](https://www.dumbfunded.co.uk/personal-finance/how-to-make-a-personal-budget-spreadsheet/) - It's not as daunting as it seems! A lot of us plan to start budgeting properly – but not so many of us actually do it, and fewer still find a strategy that actually sticks. Putting together a simple spreadsheet can be a helpful way of keeping track of expenses, income, savings, and any other
- [4 Reasons Why Your Budget Failed – And How To Fix It](https://www.dumbfunded.co.uk/personal-finance/4-reasons-why-your-budget-failed-and-how-to-fix-it/) - 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. But for even the most financially conscious among us, budgets still have a habit of failing. Ah, those best laid plans… If your budget is spiralling out
- [5 Budgeting Tips for Students](https://www.dumbfunded.co.uk/guides/money-saving/5-budgeting-tips-for-students/) - Read on for 5 super-useful budgeting tips for students. A lot of people consider their student years as the best time of their life. Although the ultimate aim of university is to open up employment doors for your future career, the independent and liberated lifestyle it brings is perhaps the main reason for its affection.
- [Need Help with Your Banking? Ask a Robot](https://www.dumbfunded.co.uk/news/need-help-with-your-banking-ask-a-robot/) - Meet Aida. Shes helpful, polite and, according to Aida herself, she is 'always at work, 24/7, 365 days a year. Shes also a robot. Aida, who has a female persona after customers said they felt more comfortable dealing with female voices, is able to answer customers' simple questions thanks to the vast account data she
- [Apps Overtake Branches in Battle for Banking](https://www.dumbfunded.co.uk/news/apps-overtake-branches-in-battle-for-banking/) - It's official. The amount of banking we do via smartphone apps is on the rise – highlighting one major driving force behind branch closures across the country. According to research carried out by the British Bankers' Association (BBA), 19.6 million Britons logged into banking apps last year; an increase of 2.2 million compared to the
- [Revolut To Introduce Commission-Free Stock Trading To UK](https://www.dumbfunded.co.uk/apps/revolut-to-introduce-commission-free-stock-trading-to-uk/) - Revolut, the London-based fintech start-up, has announced plans to launch commission-free stock trading. Having already signed an impressive two million users, the company appears to have spotted a gap in the market – demystifying and simplifying stock trading for everyday consumers. Check it out: Revolut Review & Free Card Offer The challenger bank has already
- [Connected Consumers and the Mobile Banking Revolution [Infographic]](https://www.dumbfunded.co.uk/infographics/connected-consumers-and-the-mobile-banking-revolution-infographic/) - An infographic on consumer adoption of mobile banking. The infographic from digital agency Somo looks at the adoption statistics of mobile banking in the UK and the US. According to the stats, mobile banking is now more popular than visiting bricks and mortar banking. Mobile banking transactions have doubled in just a year. View the
- [All-In-One Smart Card Soon To Launch In UK – And Your Wallet Will Thank You](https://www.dumbfunded.co.uk/news/all-in-one-smart-card-soon-to-launch-in-uk-and-your-wallet-will-thank-you/) - 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? And, of course, tech has completely altered the way we do our banking – from the world's first cash machine to the introduction of online banking. But
- [Five Worthwhile Investments You Can Make With Your PPI Compensation](https://www.dumbfunded.co.uk/personal-finance/five-worthwhile-investments-you-can-make-with-your-ppi-compensation/) - We all make ourselves promises about what we're likely to spend out PPI compensation on. Whether it's that new car we've had our eye on, or a holiday for the family, it can be far too easy to spend every last penny before it's had a real chance to settle in your bank account. If
- [How Can You Fund Your Dream Home?](https://www.dumbfunded.co.uk/personal-finance/how-can-you-fund-your-dream-home/) - Just owning any home is a dream for many people. However, once you're on the property ladder, you don't have to be satisfied with your first home. A lot of people have a dream property in mind that they would love to live in one day. But you don't have to spend all your time
- [Lloyds Says Farewell to Unplanned Overdraft Fees](https://www.dumbfunded.co.uk/news/lloyds-says-farewell-to-unplanned-overdraft-fees/) - Unplanned overdraft fees – they've been the bane of plenty of people's lives. We're a little short on cash, so we dip into the unplanned overdraft, and before you know it, we're being charged more money for money we didn't have in the first place. Now, from November, Lloyds Banking Group will scrap fees for
- [Should You Go 'Cash Free' For The New Year?](https://www.dumbfunded.co.uk/personal-finance/should-you-go-cash-free-for-the-new-year/) - 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. But in this modern era, where cash machines and physical bank branches are disappearing while virtually every shop takes credit
- [Breaking The Paycheck To Paycheck Cycle – How (And Why) To Make It Happen](https://www.dumbfunded.co.uk/personal-finance/breaking-the-paycheck-to-paycheck-cycle-how-and-why-to-make-it-happen/) - Do you spend the latter part of every month holding your breath for the next payday? If your bank account is empty by the time that cash comes through then you’re living paycheck to paycheck – and financial experts all pretty much agree that this is a dangerous way to manage your finances. You may
- [Money Saving Expert's Martin Lewis Doesn't Like Direct Debits – Here's Why](https://www.dumbfunded.co.uk/news/money-saving-experts-martin-lewis-doesnt-like-direct-debits-heres-why/) - Money Saving Expert's Martin Lewis has long been crusading for better money management – and now he's turned his laser-focus ire onto Direct Debits. We've all used Direct Debits – whether it's for magazine subscriptions, your phone bill, or any other type of contractual standing order. However, one of the main problems with them, particularly
- [Financial Resolutions For The Whole Year](https://www.dumbfunded.co.uk/personal-finance/financial-resolutions-for-the-whole-year/) - It's easy to make a few New Year resolutions – and even easier to break them. But there are some promises to yourself you can make that can, and should, last all year round. Think of these as your more realistic resolutions; the ones that you and your partner can easily keep for the whole
- [5 Funding and Finance Tips for UK Start-ups and Entrepreneurs](https://www.dumbfunded.co.uk/business/finance/5-funding-and-finance-tips-for-uk-start-ups-and-entrepreneurs/) - 5 funding and finance tips for start-ups and entrepreneurs in the UK. Running a business isn't easy, and starting one up for the first time can be hard work. So we have put together 5 finance and funding tips for start-ups, sole traders and self-employed people. Bank Accounts Some people can be surprised at first
- [How To Manage The Money From Your Side Gig – Part 2](https://www.dumbfunded.co.uk/personal-finance/financial-planning/how-to-manage-the-money-from-your-side-gig-part-2/) - 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. If you would like a recap check that article out here. We covered the essentials of pricing and keeping financial
- [How Should You Teach Your Kids About Money?](https://www.dumbfunded.co.uk/personal-finance/debt/how-should-you-teach-your-kids-about-money/) - 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. If kids only get to learn about money through overhearing conversations when their parents are stressed over bills, then their attitude towards home finance might not be
- [Bad Credit Bank Accounts](https://www.dumbfunded.co.uk/banking/bad-credit-bank-accounts/) - A quick guide to bank accounts for people with bad credit. Over a million people in the UK don't have a bank account according to government statistics. When applying for a bank account, some people are rejected due to a poor credit history or other issues. What Are Bad Credit Bank Accounts? Bad credit bank
- [Millennials Would’ve Been Better Off In Britpop Britain](https://www.dumbfunded.co.uk/guides/millennials-wouldve-been-better-off-in-britpop-britain/) - The financial struggle facing millennials is laid bare in a series of stats that shows just how much harder it has been for them to get on the housing ladder. Data cards offering a snapshot of the economy in each of the last five decades show how the decade between 1995 and 2005 saw house
- [How To Negotiate Your Finances](https://www.dumbfunded.co.uk/infographics/money/how-to-negotiate-your-finances/) - Negotiating your finances will often feel intimidating or awkward. Because the idea of wanting more, or wanting to be in control, or even of talking about money in the first place can be really daunting. But if you want to be successful with your money, you need to make sure that you are comfortable with
- [Offer: Sign Up To Plum & Get £5 Free](https://www.dumbfunded.co.uk/investing/offer-sign-up-to-plum-get-5-free/) - We have a special offer for Dumb Funded readers. Sign up to Plum and get £5 free after saving for 30 days. You can read our full review of Plum here or jump straight to the offer. Plum Via Facebook Messenger Go To Site What is Plum? Plum allows you to automatically save, budget and
- [What Business Insurance Do I Need? A Guide For Getting Started](https://www.dumbfunded.co.uk/business/what-business-insurance-do-i-need-a-guide-for-getting-started/) - When you buy a new car or move into a new house, it's important to think about insurance – it's no different when you start a business. Insuring your business can protect you from losses down the line. But what types of business insurance do what, and which ones do you need? We've put together
- [How To Save More Of Your Money](https://www.dumbfunded.co.uk/apps/how-to-save-more-of-your-money/) - Mastering the art of saving is essential if you want to be in control of your finances. Whether it's an emergency cash stash in case the boiler breaks, a fun fund to pay for a holiday or a serious pot to save for the deposit on a flat, we're all saving for something. And most
- [Get Me Out Of Debt! US Debt Infographic](https://www.dumbfunded.co.uk/infographics/get-me-out-of-debt-us-debt-infographic/) - An infographic on debt management programs in the US. The graphic looks at the average household debt, and how long that debt would take to pay using some of the different debt solutions available.
- [Kitting Out A Boardroom On A Budget: A Checklist](https://www.dumbfunded.co.uk/guides/kitting-out-a-boardroom-on-a-budget-a-checklist/) - Your boardroom is the beating heart of your office. It's where contracts are won or lost and crucial decisions are made. Given the significance of this space, it's vital that you get its design spot on. Don't worry if you're kitting the room out with a tight spending limit though. The following design checklist will help
- [Embrace The Future of Logistics](https://www.dumbfunded.co.uk/guides/embrace-the-future-of-logistics/) - Whether you are in the export, production, or delivery business, sound logistics planning is one of the key factors that will contribute to your success. However, setting up a successful system is only the first thing you need to do. Flexibility and the ability to improve is the only way to keep your business lean,
- [How to get Value for Money by Buying Refurbished Technology](https://www.dumbfunded.co.uk/guides/money-saving/how-to-get-value-for-money-by-buying-refurbished-technology/) - There’s no denying that buying new technology can be expensive. However, getting your hands on high quality products doesn't always have to break the bank. If you’re looking for value for money, one of the best solutions is to buy refurbished items. While many may turn their nose up at buying second-hand items, the majority
- [Moving House On A Budget](https://www.dumbfunded.co.uk/guides/moving-house-on-a-budget/) - The accrual of expenses during the house selling and moving process is inevitable, but there are plenty of ways you can keep these costs to a minimum simply by planning ahead. Selling If you've found your dream home but yours simply doesn't seem to be budging on the market, services like WeBuyAnyHouse can be a
- [Buying A New House? Here Are The Monetary Issues You Need To Consider](https://www.dumbfunded.co.uk/guides/buying-a-new-house-here-are-the-monetary-issues-you-need-to-consider/) - Buying a house can be a financial nightmare, particularly if you are fresh into the big bad world of owning property. It is getting harder every day for young couples to be able to purchase their own home. But, that does not mean that you should give up on your dream of owning property. There
- [Airline Compensation Claims Are Growing - Here’s How To Claim Yours](https://www.dumbfunded.co.uk/travel/airline-compensation-claims-are-growing-heres-how-to-claim-yours/) - We’ve all been there - stuck at the airport when all we want is to be sat by the pool with an ice cold drink. Delays are an unfortunate fact of life for many of the millions of people who travel by air each year. And research by passenger rights legal service provider refund.me indicate
- [4 Ways To Reduce Your Car Insurance Quote](https://www.dumbfunded.co.uk/cars/motor-insurance/4-ways-to-reduce-your-car-insurance-quote/) - I don't know about you, but car insurance is probably my highest monthly outgoing. And even then, I fought to get the best possible deal available. Any driver knows that car insurance eats into your monthly budget. Anything you can do to bring the cost down is helpful! I got my insurance bill today, and
- [How To Avoid Making Losses In Forex](https://www.dumbfunded.co.uk/investing/how-to-avoid-making-losses-in-forex/) - A brief guide on how to avoid making loses when investing in forex. Forex trading is a good form of investment. It's the largest financial market there is, and there is plenty of money to be made there. It's easy to get started in forex, but this can be risky. Because of the ease of
- [Reasons Why Your Office Should Install LED Lights](https://www.dumbfunded.co.uk/business/reasons-why-your-office-should-install-led-lights/) - Read on for our guide on why you you should install LED lighting in your office. Poor lighting has been shown to have a negative impact on the office environment in numerous ways, from lowering productivity to causing accidents. We have pulled together some of the main reasons you may want to consider moving your
- [SEO Has Numerous Advantages For Businesses](https://www.dumbfunded.co.uk/business/seo-has-numerous-advantages-for-businesses/) - It is such a shame to notice the fact that many business owners out there do not even think about using search engine optimization as they believe the results will appear too late or that the services are too expensive. It is true that working with a professional like clickintelligence would cost more than with someone
- [Tips For Landlords: How To Make Your Properties More Energy Efficient](https://www.dumbfunded.co.uk/guides/tips-for-landlords-how-to-make-your-properties-more-energy-efficient/) - Fuel prices have risen. Electric rates are unpredictable. And so, more and more people are looking for a more sustainable lifestyle, aka living in an energy efficient home. But what does this mean for landlords? For landlords, there are two major reasons why ensuring their properties are energy efficient, is a must. The first being
- [Ten Money-Saving Hacks for Business Travel](https://www.dumbfunded.co.uk/personal-finance/ten-money-saving-hacks-for-business-travel/) - Travelling with business can be something of a burden, battling jet-lag, long hours and unfamiliar locations even before additional costs are taken into account. If your expenses are not covered by the business account, then costs of travelling on behalf of your employer can be incredibly expensive. Here are 10 simple but effective ways to
- [10 Personal Finance Google Chrome Apps](https://www.dumbfunded.co.uk/apps/google-chrome/10-personal-finance-google-chrome-apps/) - We have pulled together 10 personal finance and budgeting Google Chrome apps and extensions. Finance41 Personal Finance Manager Keep track of your expenditure and budgeting with this powerful Google Chrome App. Jump to Finance41 Personal Finance Manager Toshl Finance Toshl Finance aims to make finance and keeping track of your spending fun. Features a simple
- [3 Ways To Make More Money Quickly](https://www.dumbfunded.co.uk/infographics/3-ways-to-make-more-money-quickly/) - There are many ways you can begin making more money within your business as quickly as possible. You could look at starting a new marketing campaign, create some killer content, and even hire a consultant, to name a few things. Some things might cost you money to get started, but you'll end up making more
- [Three Top Tips For Temporary Businesses](https://www.dumbfunded.co.uk/business/three-top-tips-for-temporary-businesses/) - Setting up a temporary business may seem like a wonderful idea on paper, but many entrepreneurs underestimate how much time and effort must go into planning and creating it. Many of the usual considerations won't apply but there are lots of unique factors to think about instead. From premises to employees to invoicing facilities, you'll
- [The Rise Of Tablets And What This Means For The Future Of Banking](https://www.dumbfunded.co.uk/news/finance-tech/the-rise-of-tablets-and-what-this-means-for-the-future-of-banking/) - The amount of tablet owners is set to double by 2018. Tablets are the easier option for many people: they have a larger screen than the average smartphone and their compact size makes them more portable than laptops. Photo by Sacha Müsse Many retailers are realising the tablet’s popularity and have already taken advantage of
- [Freeing Up Equity In Your House](https://www.dumbfunded.co.uk/personal-finance/freeing-up-equity-in-your-house/) - If you're looking to sell your home to a quick buyer in order to free up some equity, then there are some things you should be sure to consider first. Equity release is essentially the practice of releasing money from the value of your home by keeping use of your home while you carry on
- [End Child Poverty Campaign Publishes UK Child Poverty Map](https://www.dumbfunded.co.uk/news/end-child-poverty-campaign-publishes-uk-child-poverty-map/) - The End Child Poverty Campaign has released a nationwide map and data showing child poverty across the UK. The results of the research show that London has very high rates of child poverty, and in Scotland, Glasgow was badly affected. The constituency in the UK with the highest levels was Bethnal Green and Bow, followed
- [Why Your Business Needs A Back-Up Plan [Infographic]](https://www.dumbfunded.co.uk/infographics/business-infographics/why-your-business-needs-a-back-up-plan-infographic/) - An infographic explaining why businesses need a back-up plan, in case they experience a power cut. Most businesses in the twenty first century rely on technology, and in turn they require power. A power cut can have devastating effects on a business be it big or small, causing data to be lost and whole systems
- [Making Some Extra Cash? You Should Invest In Property](https://www.dumbfunded.co.uk/guides/making-some-extra-cash-you-should-invest-in-property/) - A quick guide to making extra cash with property investments. If you are making some extra money, you may want to invest rather than continue to save. The reason for this is that interest rates on saving accounts are at an all time low. If you invest you have a better chance of making some
- [The Golden Laws Of Investing](https://www.dumbfunded.co.uk/investing/the-golden-laws-of-investing/) - Hello there new investors. If you're reading this, you're probably dipping your toes into the world of investing. You're making a great decision, and taking control of your financial future. Perhaps you have a few doubts about the market still, or you're just looking for more information on trading. Well, you've come to the right
- [Serious Nursing Shortages Mean Trouble For NHS](https://www.dumbfunded.co.uk/infographics/serious-nursing-shortages-mean-trouble-for-nhs/) - The NHS has long been in a situation of economic turmoil. Indeed, many people are actually fighting to keep the NHS from falling apart as we speak. There's good reason for this. The NHS has served the United Kingdom well since it was first put in place. It's impossible to think of the amount of
- [Becoming A Middleman: Tips For Starting An Agency](https://www.dumbfunded.co.uk/guides/becoming-a-middleman-tips-for-starting-an-agency/) - Sometimes you don't need expert skills and experience to make a killing in the business world. Some of the best-paid professionals just know how to play the middleman role well. That's something you should consider if you plan to launch a new operation this year. It's possible to start an agency and make your profit
- [What Can Business Owners Learn From Blue Planet 2?](https://www.dumbfunded.co.uk/business/finance/what-can-business-owners-learn-from-blue-planet-2/) - The series has only just begun and already it is capturing over 10 million viewers every Sunday night, and we're not ashamed to say that we are definitely part of that number! Nature has influenced how we describe not only business, ("the rat race" or "the shark tank") but entrepreneurs, employees and business owners too.
- [Preparing for the Future [Infographic]](https://www.dumbfunded.co.uk/infographics/investments/preparing-for-the-future-infographic/) - An infographic on preparing for your financial future. This infographic from Axa Self Investor contains some very interesting facts and figures on how well prepared British people are for the future, taking a look at ISAs, banking and retirement planning. According to the stats, over 74% don't know the maximum amount you can put in
- [Top 5 Ways To Save Money On Your Mobile Phone Bill](https://www.dumbfunded.co.uk/guides/money-saving/top-5-ways-to-save-money-on-your-mobile-phone-bill/) - Can't live without your mobile but dread your monthly bills? You're not alone. The watchdog, Which? estimates that 75% of Brits are on the wrong contract and collectively wasting £5.4 billion a year. The good news is that smart tools like CTRLio are helping you fight back by taking the hassle out of finding better,
- [Considering An Equity Release? Read These Tips](https://www.dumbfunded.co.uk/personal-finance/home-equity/considering-an-equity-release-read-these-tips/) - Are you are a homeowner and uncertain about how you are going to fund your home improvements or retirement? An equity release could solve your problems. An Equity Release allows you to draw upon your home's overall value. This provides you with a useful cash injection and avoids you having to relocate. It might sound
- [How To Turn Around A Failing Pub Business](https://www.dumbfunded.co.uk/guides/how-to-turn-around-a-failing-pub-business/) - The pub industry has struggled a lot in recent years. Rising prices and squeezed household budgets have not made it easy for those looking to get into this industry. However, some entrepreneurs have successfully transformed the fortunes of failing pubs to turn them into profitable businesses. Essentially, it is all about creating a good atmosphere
- [Five Tips To Boost Your Income](https://www.dumbfunded.co.uk/guides/five-tips-to-boost-your-income/) - Sometimes, the conventional ways to make money are not enough to provide for your needs. A nine to five is all well and good, but does it put enough food on the table and pay the bills? If the answer to that question is no, you are about to find yourself in a tricky situation.
- [What Does Brexit Really Mean For Property Owners?](https://www.dumbfunded.co.uk/guides/what-does-brexit-really-mean-for-property-owners/) - The UK stands on a precipice. While Theresa May, David Davis, Tim Barrow and their team play a staggeringly expensive game of Deal Or No Deal with EU negotiators, the British public (quite reasonably) demand answers. They want to know what will happen to their small businesses, their vehicles and how it will affect the
- [Protecting Your Future - 4 Top Ways To Save For Retirement](https://www.dumbfunded.co.uk/personal-finance/pensions/protecting-your-future-4-top-ways-to-save-for-retirement/) - There comes a point when you reach the other side of the hill and you realise it’s time to think about what’s going to happen once you leave full-time employment. We can’t work forever and retirement seems a frightful prospect for some when income is concerned. With an ageing population and a dependency ratio about
- [Save Time & Money - What To Do When Building Or Renovating On A Party Wall](https://www.dumbfunded.co.uk/guides/save-time-money-what-to-do-when-building-or-renovating-on-a-party-wall/) - Property renovations can be addictive, particularly if you love the thrill of transforming your property into something bigger, better and newer. Whether you've been working on your home for a while or you have just moved in and are getting a head start, it is important to keep a level head when looking at a
- [Where To Look For Healthier Returns On Your Savings](https://www.dumbfunded.co.uk/personal-finance/where-to-look-for-healthier-returns-on-your-savings/) - Anyone with a standard savings account will be aware of the low interest rates currently being offered by banks and building societies. Indeed, the current interest rate has sat motionless since March 2009, while some authorities believe it could drop even further. Hardly good news for savers and investors. Little wonder then that rates of
- [The Types Of Businesses That Will Always Be In Demand](https://www.dumbfunded.co.uk/guides/the-types-of-businesses-that-will-always-be-in-demand-100/) - In the day and age that we live in, starting out in business on your own can be a daunting prospect. Will the business be big enough to sustain itself and will you be able to earn enough money to make it a viable business? You might have something unique to offer, and if there
- [Tricks Of The Trade: How To Improve Business Profits Using These Simple Tips](https://www.dumbfunded.co.uk/guides/tricks-of-the-trade-how-to-improve-business-profits-using-these-simple-tips/) - Profit is king in business. Come to the end of the working day, profits are what your company are judged. They determine how successful you are in relative terms and how much you can grow and prosper. Without the profits, you can't employ the people and the strategies that you need to consolidate your business
- [Lessons Learned From Being A Freelancer](https://www.dumbfunded.co.uk/business/lessons-learned-from-being-a-freelancer/) - Many of us dream about leaving the nine to five behind and setting up as freelancers. But what’s it really like to be your own boss? We asked several successful freelancers – from national journalists to business strategists – to impart some of the lessons they’ve learned along the way. "Paid work is only half
- [Could Unexpected Funeral Costs Place You In Financial Difficulty?](https://www.dumbfunded.co.uk/personal-finance/could-unexpected-funeral-costs-place-you-in-financial-difficulty/) - None of us like to talk about death, it's a somber subject and most people would just rather think about something else. While I completely understand this outlook, death is still something that affects us all at some point and with recent figures showing that the cost of an average funeral has risen to around
- [How to Improve the Security of Your Business](https://www.dumbfunded.co.uk/business/how-to-improve-the-security-of-your-business/) - As a business owner, you recruit the most talented staff, build working relationships, boost your reputation and ultimately aim to safeguard the future of your company. But when you invest such a vast amount of time and effort into growing your business, you also need to ensure that it is protected. Here are some ideas
- [The Best Finance Apps for Entrepreneurs and Small Businesses](https://www.dumbfunded.co.uk/apps/the-best-finance-apps-for-entrepreneurs-and-small-businesses/) - Are you forever going overdrawn? Do you find it hard to keep track of how much your business spends or how much tax you have to pay? If you don't want to end up poor, in debt and out of business, it's time to take control of your business's finances once and for all. Lucky
- [The 3 Reasons Your Mortgage Deposit Is Less Than You Need](https://www.dumbfunded.co.uk/guides/the-3-reasons-your-mortgage-deposit-is-less-than-you-need/) - If you're looking to buy your first home, you've probably used an online mortgage calculator. Using a simple formula, these calculators take your income and savings and give you an estimate of what you can afford. Many first time buyers use them to set a target for what they have to save to buy the
- [Saving 12% of Salary from 20s Necessary to Avoid Hardship in Retirement](https://www.dumbfunded.co.uk/personal-finance/saving-12-of-salary-from-20s-necessary-to-avoid-hardship-in-retirement/) - A recent report on the pensions landscape has highlighted that at present rates of saving, a concerning 46% of the UK population will not have sufficient funds to meet the target income for a comfortable retirement. Pension provider Scottish Widows' latest annual report sets £23,000 as the minimum annual income requirement if we are to
- [UK Peer-2-Peer Lending [Infographic]](https://www.dumbfunded.co.uk/infographics/uk-peer-2-peer-lending-infographic/) - An infographic on Peer-2-Peer lending in the UK. The following infographic is put together by Growth Street from the Nesta UK alternative credit report. The infographic has various detailed P2P lending stats for the UK, including that P2P lending in the UK increased by 288% over the last 2 years, as well as a breakdown
- [Banking on Success: The Best Financial Institute Startup and Accelerator Programmes Around](https://www.dumbfunded.co.uk/startups/banking-on-success-the-best-financial-institute-startup-and-accelerator-programmes-around/) - I brief guide on the best financial institute startup programmes and Accelerator programmes to help you if your an entrepreneur. Even with years of business experience, many entrepreneurs struggle to set up on their own, with a reported 50% of UK startups failing within the first 5 years. Often blamed on lack of lending from
- [Fundamental Health And Safety Tips For Employers](https://www.dumbfunded.co.uk/guides/fundamental-health-and-safety-tips-for-employers/) - As an employer, you are responsible for the health and safety of each of your employees. Whether they primarily work in an office, or they have a role that requires them to work outdoors, you are ultimately responsible if they get sunburn, or prolonged back problems. Even for startups, health and safety is important because
- [How To Properly Delete Data From A Laptop](https://www.dumbfunded.co.uk/guides/how-to-properly-delete-data-from-a-laptop/) - There comes a time when we all have to say goodbye to an older computer. The lure of a newer and faster model is as inevitable as our next smartphone upgrade. But before you pass your old machine on to a worthy cause or take it to the local recycling centre, you need to make

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- [Home](https://www.dumbfunded.co.uk/) - A personal finance blog with a twist - Dumb Funded covers a range of modern finance topics from bitcoins to apps and software. Click here to read more.
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- [💼 App-based Business Banking](https://www.dumbfunded.co.uk/app-based-business-banking/) - Looking for a business bank account in the UK? We have compared some of the best accounts available from digital banking services. Click here to find out more.
- [📱 App-based Banking](https://www.dumbfunded.co.uk/app-based-banking/) - Ever feel like the mobile app for your bank is a bit rubbish? Find a banking app with awesome features like instant payment notifications ⚡ and budget tracking 📊.
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- [N26 Review](https://www.dumbfunded.co.uk/app-based-banking/n26-review/) - What is N26? N26 is a Berlin based banking service that was first launched in 2015 and is now available in the UK, as well as Germany, France, Ireland and many other European countries. Update: N26 are no longer offering accounts to UK customers. The sign up process is fast, according to N26 you can
- [🌏 Best App-based Banks for Travelling](https://www.dumbfunded.co.uk/best-app-based-banks-for-travelling/) - Some banking services charge a lot more for currency exchanges, ATM use abroad and spending abroad. Whether you are spending a week or year abroad, to help you save we have pulled together a list of the best challenger banks and apps for travelling & digital nomads. Quick Compare Best for Travel Best accounts for:🙋
- [Coconut Review](https://www.dumbfunded.co.uk/app-based-business-banking/coconut-review/) - What is Coconut? Coconut is an app-based business current account service designed for freelancers and small business owners. There are two different plans, the free plan and a £5 per month subscription with additional features such as unlimited invoices, free replacement cards and tax reporting. What Features Does Coconut Have? Coconut comes with a range
- [Anna Review](https://www.dumbfunded.co.uk/app-based-business-banking/anna-review/) - What is ANNA? ANNA is an app-based hybrid personal assistant, business current account, and pre-paid Mastercard service aimed at small businesses, startups and freelancers. ANNA App Available for iOS and Android Go To Site Business Current Account ANNA offers a business current account that allows you to send and receive money by BACS/Faster Payments. To
- [Soldo Review](https://www.dumbfunded.co.uk/app-based-business-banking/soldo-review/) - What is Soldo? Soldo provide a pre-paid Mastercard service for business users that comes with automatic expense tracking and integrations with accounting systems. Soldo App Available for iOS and Android GO TO SITE Soldo Cards You can order multiple Soldo cards for your company and team members, whilst using Soldo to track spending and automate
- [Starling Bank Business Account](https://www.dumbfunded.co.uk/app-based-business-banking/starling-business-account-review/) - What is the Starling Bank business account? Starling Bank offer an app-based business bank account with no monthly fees and the ability to make cash deposits via Post Office branches. Get instant payment notifications, automatic spending categorisation and a full suite of money management facilities in the app. If you have a personal and a
- [Tide Review](https://www.dumbfunded.co.uk/app-based-business-banking/tide-review/) - What is Tide? Tide is an app-based banking service for small businesses. ? Offer: Get a Tide Account with 1 Year of Free Transfers (Click here) Tide App Available for iOS and Android GO TO SITE UK Business Bank Account Are you a business, sole trader or freelancer looking for a business account in the
- [Monese Review](https://www.dumbfunded.co.uk/app-based-banking/monese-review/) - What is Monese? Monese is an alternative banking service based in the UK that was launched in 2015. With Monese you can download the app and create a UK bank account in a few minutes. To open an account you don't need to be a UK resident, so the service is popular with international students
- [Tandem Review](https://www.dumbfunded.co.uk/app-based-banking/tandem-review/) - What is Tandem? Tandem is a UK based digital only banking service that offers an app, as well as a range of savings accounts and credit cards. What Features Does Tandem Have? Tandem has features including: App to manage your accountsConnect bank accounts to view your financesFixed savings accountsCredit card to build creditCashback credit card
- [Atom Bank Review](https://www.dumbfunded.co.uk/app-based-banking/atom-bank-review/) - What is Atom Bank? Atom Bank launched in 2016 offering fixed savings accounts and mortgage products, all of which can be applied for managed via the app. Fixed Saver Account Atom Bank offer Fixed Saver accounts with interest rates up to 1.8%. With Atom Bank you can open a savings account in as little as
- [Monzo Review](https://www.dumbfunded.co.uk/app-based-banking/monzo-review/) - What is Monzo? Monzo is a leading app-based banking service with a wide range of features. With Monzo you get a Mastercard, instant payment notifications, budgeting and more. What Features Does Monzo Have? With a Monzo account you get features including: UK bank account number and sort codeGet your wages/salary paid into your accountMastercard for
- [Revolut Review](https://www.dumbfunded.co.uk/app-based-banking/revolut-review/) - What is Revolut? Revolut is a UK based alternative banking service with a well designed app, mastercard, and a huge range of features. Revolut is perfect for anyone that needs to send, spend or exchange money into different currencies. With Revolut you can trade money from one currency to another, spend and transfer money, all
- [Plum Review](https://www.dumbfunded.co.uk/app-based-banking/plum-review/) - What is Plum? Plum is a savings and investment app that works via Facebook Messenger. Exclusive deal: Get £5 free when you sign up to Plum using our link. Plum Via Facebook Messenger Go To Site How Does Plum Work? Signing up to Plum is super easy - everything is done using Facebook Messenger. Once
- [Starling Bank Review](https://www.dumbfunded.co.uk/app-based-banking/starling-review/) - What is Starling Bank? Starling Bank is our top pick for an app-based banking service in the UK. With Starling you get instant payment notifications, budgeting features, interest paid on savings, and more. Starling Bank Account App Available for iOS and Android Go To Site What Features Does Starling Bank Have? With Starling Bank you get access
- [📊 Best Apps & Banking Services for Budgeting](https://www.dumbfunded.co.uk/best-apps-banking-budgeting/) - We take a look at the best budgeting apps & banking services available in the UK. With the aid of modern apps and banking platforms, your balance ⚖️ spending 🛍️ and budget 📊 doesn't have to be more than a tap or two away. In the UK there are a selection of free budgeting apps
- [Alternatives to Monese](https://www.dumbfunded.co.uk/app-based-banking/monese-review/alternatives-to-monese/) - Looking for an alternative to Monese the digital banking service? Read on for our guide. Monese is a popular choice for international students and people who are new to the UK, because it can be easier to get an account compared to other banking services if you don't have a UK credit history or proof
- [Alternatives To Monzo](https://www.dumbfunded.co.uk/app-based-banking/monzo-review/alternatives-to-monzo/) - Looking for an alternative to Monzo? We have you covered. The main alternatives and competitors to Monzo are Starling Bank, N26 and Revolut. Which one is best depends on what you are looking for in a banking service. Best General Monzo Alternative If you are looking for a good general everyday banking service to replace
- [Guest Posts](https://www.dumbfunded.co.uk/guest-posts/) - Want to submit a guest post to Dumb Funded, one of the UK's top personal finance blogs? Click here to get in contact. Guest post guidelines Guest posts must be: High quality and unique content Not found elsewhere on the web Related to a category on our site, such as personal finance or small business Note
- [Selling](https://www.dumbfunded.co.uk/selling/) - Selling online is a great way to earn an extra income. eBay Selling via eBay has some benefits and some drawbacks, but it is probably the fastest and easiest way to get started on your journey to e-commerce riches. Paypal The most common way to receive payment for online transactions is via Paypal. If you
- [Free Blogs](https://www.dumbfunded.co.uk/blogging/free-blogs/) - Following on from our page on blogging, here is a list of places where you can get a free blog. WordPress.com WordPress.com is a great place to get your first blog. The WordPress blogging platform is second to none, making creating a blog incredibly easy and highly customisable. Your blog will appear on the *.wordpress.com
- [Infographics](https://www.dumbfunded.co.uk/infographics/) - Browse our gallery of the latest infographics on DumbFunded.co.uk Want to submit an infographic? Click here Latest Infographics
- [Affiliate Companies](https://www.dumbfunded.co.uk/affiliate/affiliate-companies/) - So you are interested in becoming an affiliate? Here are some places you can sign up at. Affiliate Companies These companies have 100s to 1000s of merchants on their books, so are a great place to start. Commission Junction (US and international) Affiliate Window (UK) Affiliate Future (UK) E-Junkie (US and international) ClickBank (US and
- [Affiliate](https://www.dumbfunded.co.uk/affiliate/) - Affiliate advertising isn't for everyone. It requires a little bit of technical ability, and if you want to do well, a bit of money. However it is possible to earn a fair bit of money with affiliate advertising, so if you have the patience it can be worth a try. What is an affiliate? An
- [Sitemap](https://www.dumbfunded.co.uk/sitemap/) - A sitemap of the posts and pages on DumbFunded.co.uk.
- [Blogging](https://www.dumbfunded.co.uk/blogging/) - Like to write? Like to do geeky stuff? Then blogging could be a good way for you to make some extra money. What to blog about? Blog about whatever interests you. It may be useful to stick to a theme, such as web design, the economy, money, travel or health. It's important that you enjoy
- [Infographic Submission](https://www.dumbfunded.co.uk/infographics/submit-your-infographic/infographic-submission/) - DumbFunded.co.uk provide infographic submission services. As well as submitting your infographic to DumbFunded.co.uk, we can help you distrubute your infographic to other high quality sites in the UK. To find out more submit your infographic using the form below. Submission form
- [Competitions](https://www.dumbfunded.co.uk/competitions/) - Have a few minutes to spare at work? Have a few hours to spare... anytime? Enter a few competitions, you might win! Well, I'm not sure if the lottery could say that... you might, possibly, have a chance of winning! Where to find competitions Here are some of the places you can find competitions online:
- [Surveys](https://www.dumbfunded.co.uk/surveys/) - Surveys. They can be a bit boring to fill in, but you can get money for it. I would advise you to read the guide to surveys over at Martin's Money Saving Expert. There are a lot of scamsters in this area so be careful. You might want to read up on how to avoid

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- [AAT](https://www.dumbfunded.co.uk/tag/aat/)
- [CIMA](https://www.dumbfunded.co.uk/tag/cima/)
- [Kaplan Financial](https://www.dumbfunded.co.uk/tag/kaplan-financial/)
- [Financial Skills Partnership](https://www.dumbfunded.co.uk/tag/financial-skills-partnership/)
- [Student](https://www.dumbfunded.co.uk/tag/student/)
- [College](https://www.dumbfunded.co.uk/tag/college/)
- [University](https://www.dumbfunded.co.uk/tag/university/)
- [Money](https://www.dumbfunded.co.uk/tag/money/)
- [Money saving](https://www.dumbfunded.co.uk/tag/money-saving-2/)
- [Websites](https://www.dumbfunded.co.uk/tag/websites/)
- [Free websites](https://www.dumbfunded.co.uk/tag/free-websites/)
- [Free](https://www.dumbfunded.co.uk/tag/free/)
- [Blogs](https://www.dumbfunded.co.uk/tag/blogs/)
- [Blogging](https://www.dumbfunded.co.uk/tag/blogging/)
- [Save money](https://www.dumbfunded.co.uk/tag/save-money/)
- [Tips](https://www.dumbfunded.co.uk/tag/tips/)
- [Money Saving Tips](https://www.dumbfunded.co.uk/tag/money-saving-tips/)
- [copywriting](https://www.dumbfunded.co.uk/tag/copywriting-2/)
- [writing](https://www.dumbfunded.co.uk/tag/writing/)
- [Google Chrome Apps](https://www.dumbfunded.co.uk/tag/google-chrome-apps/)
- [Extensions](https://www.dumbfunded.co.uk/tag/extensions/)
- [2014](https://www.dumbfunded.co.uk/tag/2014/)
- [Skills](https://www.dumbfunded.co.uk/tag/skills/)
- [Learn online](https://www.dumbfunded.co.uk/tag/learn-online/)
- [Excel](https://www.dumbfunded.co.uk/tag/excel/)
- [Coding](https://www.dumbfunded.co.uk/tag/coding/)
- [Learn to](https://www.dumbfunded.co.uk/tag/learn-to/)
- [Learn to code](https://www.dumbfunded.co.uk/tag/learn-to-code/)
- [Microsoft Excel](https://www.dumbfunded.co.uk/tag/microsoft-excel/)
- [Budget](https://www.dumbfunded.co.uk/tag/budget/)
- [Financial freedom](https://www.dumbfunded.co.uk/tag/financial-freedom/)
- [Debt management](https://www.dumbfunded.co.uk/tag/debt-management/)
- [Debt management companies](https://www.dumbfunded.co.uk/tag/debt-management-companies/)
- [Fees](https://www.dumbfunded.co.uk/tag/fees/)
- [Debt management fees](https://www.dumbfunded.co.uk/tag/debt-management-fees/)
- [Free debt management](https://www.dumbfunded.co.uk/tag/free-debt-management/)
- [Copy](https://www.dumbfunded.co.uk/tag/copy/)
- [Writer](https://www.dumbfunded.co.uk/tag/writer/)
- [travel](https://www.dumbfunded.co.uk/tag/travel-2/)
- [business travel](https://www.dumbfunded.co.uk/tag/business-travel/)
- [competition](https://www.dumbfunded.co.uk/tag/competition/)
- [transformers](https://www.dumbfunded.co.uk/tag/transformers/)
- [Legal](https://www.dumbfunded.co.uk/tag/legal/)
- [Motorbikes](https://www.dumbfunded.co.uk/tag/motorbikes/)
- [Accidents](https://www.dumbfunded.co.uk/tag/accidents/)
- [Infographic](https://www.dumbfunded.co.uk/tag/infographic/)
- [Holiday](https://www.dumbfunded.co.uk/tag/holiday/)
- [Abroad](https://www.dumbfunded.co.uk/tag/abroad/)
- [Quote](https://www.dumbfunded.co.uk/tag/quote/)
- [Bills](https://www.dumbfunded.co.uk/tag/bills/)
- [Electricity](https://www.dumbfunded.co.uk/tag/electricity/)
- [Voucher codes](https://www.dumbfunded.co.uk/tag/voucher-codes/)
- [Saving money](https://www.dumbfunded.co.uk/tag/saving-money/)
- [Discount codes](https://www.dumbfunded.co.uk/tag/discount-codes/)
- [Zavvi](https://www.dumbfunded.co.uk/tag/zavvi/)
- [Zavvi.com](https://www.dumbfunded.co.uk/tag/zavvi-com/)
- [Christmas Savings Schemes](https://www.dumbfunded.co.uk/tag/christmas-savings-schemes/)
- [Moving House](https://www.dumbfunded.co.uk/tag/moving-house/)
- [Renovation](https://www.dumbfunded.co.uk/tag/renovation/)
- [Save](https://www.dumbfunded.co.uk/tag/save/)
- [Business finance](https://www.dumbfunded.co.uk/tag/business-finance/)
- [SME](https://www.dumbfunded.co.uk/tag/sme/)
- [Bartering](https://www.dumbfunded.co.uk/tag/bartering/)
- [Buy to let](https://www.dumbfunded.co.uk/tag/buy-to-let/)
- [energy saving](https://www.dumbfunded.co.uk/tag/energy-saving-2/)
- [heating](https://www.dumbfunded.co.uk/tag/heating/)
- [Home buying](https://www.dumbfunded.co.uk/tag/home-buying/)
- [Help to buy](https://www.dumbfunded.co.uk/tag/help-to-buy/)
- [Pension](https://www.dumbfunded.co.uk/tag/pension/)
- [Savings](https://www.dumbfunded.co.uk/tag/savings/)
- [Retirement](https://www.dumbfunded.co.uk/tag/retirement/)
- [Golf](https://www.dumbfunded.co.uk/tag/golf/)
- [Sport](https://www.dumbfunded.co.uk/tag/sport/)
- [Careers](https://www.dumbfunded.co.uk/tag/careers/)
- [Startups](https://www.dumbfunded.co.uk/tag/startups/)
- [Accounts](https://www.dumbfunded.co.uk/tag/accounts/)
- [GfK](https://www.dumbfunded.co.uk/tag/gfk/)
- [GfK Consumer Confidence Index](https://www.dumbfunded.co.uk/tag/gfk-consumer-confidence-index/)
- [Consumer Confidence](https://www.dumbfunded.co.uk/tag/consumer-confidence/)
- [Reddit](https://www.dumbfunded.co.uk/tag/reddit/)
- [Subreddit](https://www.dumbfunded.co.uk/tag/subreddit/)
- [Income](https://www.dumbfunded.co.uk/tag/income/)
- [Saving](https://www.dumbfunded.co.uk/tag/saving/)
- [Disposable income](https://www.dumbfunded.co.uk/tag/disposable-income/)
- [Spending](https://www.dumbfunded.co.uk/tag/spending/)
- [Survey](https://www.dumbfunded.co.uk/tag/survey/)
- [Car leasing](https://www.dumbfunded.co.uk/tag/car-leasing-2/)
- [DNS](https://www.dumbfunded.co.uk/tag/dns/)
- [Phishing](https://www.dumbfunded.co.uk/tag/phishing/)
- [Anti-virus](https://www.dumbfunded.co.uk/tag/anti-virus/)
- [Middle East](https://www.dumbfunded.co.uk/tag/middle-east/)
- [Cost of living](https://www.dumbfunded.co.uk/tag/cost-of-living/)
- [Consumer](https://www.dumbfunded.co.uk/tag/consumer/)
- [HP](https://www.dumbfunded.co.uk/tag/hp/)
- [Hewlett-Packard](https://www.dumbfunded.co.uk/tag/hewlett-packard/)
- [Retail](https://www.dumbfunded.co.uk/tag/retail/)
- [Shopping](https://www.dumbfunded.co.uk/tag/shopping/)
- [Commerce](https://www.dumbfunded.co.uk/tag/commerce/)
- [Shea Homes](https://www.dumbfunded.co.uk/tag/shea-homes/)
- [Energy efficiency](https://www.dumbfunded.co.uk/tag/energy-efficiency/)
- [e-finance](https://www.dumbfunded.co.uk/tag/e-finance/)
- [Barclays Pingit](https://www.dumbfunded.co.uk/tag/barclays-pingit/)
- [Twitter](https://www.dumbfunded.co.uk/tag/twitter/)
- [Mobile payments](https://www.dumbfunded.co.uk/tag/mobile-payments/)
- [Banking](https://www.dumbfunded.co.uk/tag/banking/)
- [Remote control](https://www.dumbfunded.co.uk/tag/remote-control/)
- [TV](https://www.dumbfunded.co.uk/tag/tv/)
- [Tech Republic](https://www.dumbfunded.co.uk/tag/tech-republic/)
- [Financial Ombudsman](https://www.dumbfunded.co.uk/tag/financial-ombudsman/)
- [Financial Ombudsman Service](https://www.dumbfunded.co.uk/tag/financial-ombudsman-service/)
- [Identity fraud](https://www.dumbfunded.co.uk/tag/identity-fraud/)
- [Identity theft](https://www.dumbfunded.co.uk/tag/identity-theft/)
- [Online shopping](https://www.dumbfunded.co.uk/tag/online-shopping/)
- [Fraud](https://www.dumbfunded.co.uk/tag/fraud/)
- [Credit reports](https://www.dumbfunded.co.uk/tag/credit-reports/)
- [Value](https://www.dumbfunded.co.uk/tag/value/)
- [Property value](https://www.dumbfunded.co.uk/tag/property-value/)
- [Water](https://www.dumbfunded.co.uk/tag/water/)
- [Debt collection](https://www.dumbfunded.co.uk/tag/debt-collection/)
- [Water companies](https://www.dumbfunded.co.uk/tag/water-companies/)
- [Poverty](https://www.dumbfunded.co.uk/tag/poverty/)
- [Map](https://www.dumbfunded.co.uk/tag/map/)
- [Data](https://www.dumbfunded.co.uk/tag/data/)
- [Smart home](https://www.dumbfunded.co.uk/tag/smart-home/)
- [Technology](https://www.dumbfunded.co.uk/tag/technology/)
- [Google Nest](https://www.dumbfunded.co.uk/tag/google-nest/)
- [Quirky Wink](https://www.dumbfunded.co.uk/tag/quirky-wink/)
- [Revolv](https://www.dumbfunded.co.uk/tag/revolv/)
- [Staples Connect](https://www.dumbfunded.co.uk/tag/staples-connect/)
- [Samsung Smart Things](https://www.dumbfunded.co.uk/tag/samsung-smart-things/)
- [Iris](https://www.dumbfunded.co.uk/tag/iris/)
- [Philips Hue](https://www.dumbfunded.co.uk/tag/philips-hue/)
- [Dropcam Pro](https://www.dumbfunded.co.uk/tag/dropcam-pro/)
- [tablets](https://www.dumbfunded.co.uk/tag/tablets/)
- [Wealth Dragons](https://www.dumbfunded.co.uk/tag/wealth-dragons/)
- [Wealth management](https://www.dumbfunded.co.uk/tag/wealth-management/)
- [Wealth creation](https://www.dumbfunded.co.uk/tag/wealth-creation/)
- [Training](https://www.dumbfunded.co.uk/tag/training/)
- [Cyber security](https://www.dumbfunded.co.uk/tag/cyber-security/)
- [Timeshare](https://www.dumbfunded.co.uk/tag/timeshare/)
- [Auction](https://www.dumbfunded.co.uk/tag/auction/)
- [Home](https://www.dumbfunded.co.uk/tag/home/)
- [Renting](https://www.dumbfunded.co.uk/tag/renting/)
- [furniture](https://www.dumbfunded.co.uk/tag/furniture/)
- [schools](https://www.dumbfunded.co.uk/tag/schools/)
- [science](https://www.dumbfunded.co.uk/tag/science/)
- [debt management plan](https://www.dumbfunded.co.uk/tag/debt-management-plan/)
- [Car](https://www.dumbfunded.co.uk/tag/car/)
- [PPI](https://www.dumbfunded.co.uk/tag/ppi/)
- [ACA](https://www.dumbfunded.co.uk/tag/aca/)
- [Online training](https://www.dumbfunded.co.uk/tag/online-training/)
- [E-Learning](https://www.dumbfunded.co.uk/tag/e-learning/)
- [MBA](https://www.dumbfunded.co.uk/tag/mba/)
- [BMW](https://www.dumbfunded.co.uk/tag/bmw/)
- [Car finance](https://www.dumbfunded.co.uk/tag/car-finance-2/)
- [Contract hire](https://www.dumbfunded.co.uk/tag/contract-hire/)
- [Guarantees](https://www.dumbfunded.co.uk/tag/guarantees/)
- [Warranty](https://www.dumbfunded.co.uk/tag/warranty/)
- [Refurbished](https://www.dumbfunded.co.uk/tag/refurbished/)
- [Second - Hand](https://www.dumbfunded.co.uk/tag/second-hand/)
- [christmas debts](https://www.dumbfunded.co.uk/tag/christmas-debts/)
- [roadblocks](https://www.dumbfunded.co.uk/tag/roadblocks/)
- [Remodel](https://www.dumbfunded.co.uk/tag/remodel/)
- [Funding](https://www.dumbfunded.co.uk/tag/funding/)
- [Xmas](https://www.dumbfunded.co.uk/tag/xmas/)
- [Christmas](https://www.dumbfunded.co.uk/tag/christmas/)
- [Study](https://www.dumbfunded.co.uk/tag/study/)
- [rent parking space](https://www.dumbfunded.co.uk/tag/rent-parking-space/)
- [spare room](https://www.dumbfunded.co.uk/tag/spare-room/)
- [car sharing](https://www.dumbfunded.co.uk/tag/car-sharing/)
- [Broker](https://www.dumbfunded.co.uk/tag/broker/)
- [travel insurance](https://www.dumbfunded.co.uk/tag/travel-insurance/)
- [fitness](https://www.dumbfunded.co.uk/tag/fitness/)
- [Credit Rating](https://www.dumbfunded.co.uk/tag/credit-rating/)
- [Social Media](https://www.dumbfunded.co.uk/tag/social-media/)
- [Mortgages](https://www.dumbfunded.co.uk/tag/mortgages/)
- [Claim](https://www.dumbfunded.co.uk/tag/claim/)
- [Accident](https://www.dumbfunded.co.uk/tag/accident/)
- [Injury](https://www.dumbfunded.co.uk/tag/injury/)
- [Car Accident](https://www.dumbfunded.co.uk/tag/car-accident/)
- [Credit Agency](https://www.dumbfunded.co.uk/tag/credit-agency/)
- [Poor Credit](https://www.dumbfunded.co.uk/tag/poor-credit/)
- [Paypal](https://www.dumbfunded.co.uk/tag/paypal/)
- [Western Union](https://www.dumbfunded.co.uk/tag/western-union/)
- [DHL](https://www.dumbfunded.co.uk/tag/dhl/)
- [Annuities](https://www.dumbfunded.co.uk/tag/annuities/)
- [Retirees](https://www.dumbfunded.co.uk/tag/retirees/)
- [Elderly](https://www.dumbfunded.co.uk/tag/elderly/)
- [Design](https://www.dumbfunded.co.uk/tag/design/)
- [Business cards](https://www.dumbfunded.co.uk/tag/business-cards/)
- [Printing](https://www.dumbfunded.co.uk/tag/printing/)
- [dome](https://www.dumbfunded.co.uk/tag/dome/)
- [stress](https://www.dumbfunded.co.uk/tag/stress/)
- [2015](https://www.dumbfunded.co.uk/tag/2015/)
- [Wholesale](https://www.dumbfunded.co.uk/tag/wholesale/)
- [Expenditure](https://www.dumbfunded.co.uk/tag/expenditure/)
- [Bulk Buying](https://www.dumbfunded.co.uk/tag/bulk-buying/)
- [Flexible Working](https://www.dumbfunded.co.uk/tag/flexible-working/)
- [Finances](https://www.dumbfunded.co.uk/tag/finances/)
- [Carbon Footprint](https://www.dumbfunded.co.uk/tag/carbon-footprint/)
- [Green](https://www.dumbfunded.co.uk/tag/green/)
- [Work](https://www.dumbfunded.co.uk/tag/work/)
- [Four Day Week](https://www.dumbfunded.co.uk/tag/four-day-week/)
- [Employment](https://www.dumbfunded.co.uk/tag/employment/)
- [Motor](https://www.dumbfunded.co.uk/tag/motor/)
- [Legal Cover](https://www.dumbfunded.co.uk/tag/legal-cover/)
- [Insurance](https://www.dumbfunded.co.uk/tag/insurance/)
- [Ireland](https://www.dumbfunded.co.uk/tag/ireland/)
- [Lending](https://www.dumbfunded.co.uk/tag/lending/)
- [Credit](https://www.dumbfunded.co.uk/tag/credit/)
- [Kitemark](https://www.dumbfunded.co.uk/tag/kitemark/)
- [Appliances](https://www.dumbfunded.co.uk/tag/appliances/)
- [Which](https://www.dumbfunded.co.uk/tag/which/)
- [Personal Injury Claim](https://www.dumbfunded.co.uk/tag/personal-injury-claim/)
- [Medical](https://www.dumbfunded.co.uk/tag/medical/)
- [Police Report](https://www.dumbfunded.co.uk/tag/police-report/)
- [Records](https://www.dumbfunded.co.uk/tag/records/)
- [Lawyer's Advice](https://www.dumbfunded.co.uk/tag/lawyers-advice/)
- [Settlements](https://www.dumbfunded.co.uk/tag/settlements/)
- [Property Market](https://www.dumbfunded.co.uk/tag/property-market/)
- [Investment](https://www.dumbfunded.co.uk/tag/investment/)
- [Australia](https://www.dumbfunded.co.uk/tag/australia/)
- [France](https://www.dumbfunded.co.uk/tag/france/)
- [Japan](https://www.dumbfunded.co.uk/tag/japan/)
- [Portugal](https://www.dumbfunded.co.uk/tag/portugal/)
- [Economics](https://www.dumbfunded.co.uk/tag/economics/)
- [Canada](https://www.dumbfunded.co.uk/tag/canada/)
- [New Zealand](https://www.dumbfunded.co.uk/tag/new-zealand/)
- [Housing](https://www.dumbfunded.co.uk/tag/housing/)
- [Real Estate](https://www.dumbfunded.co.uk/tag/real-estate/)
- [Scottish Friendly](https://www.dumbfunded.co.uk/tag/scottish-friendly/)
- [Mutual](https://www.dumbfunded.co.uk/tag/mutual/)
- [Disposable income index](https://www.dumbfunded.co.uk/tag/disposable-income-index/)
- [Environment](https://www.dumbfunded.co.uk/tag/environment/)
- [Sustainable](https://www.dumbfunded.co.uk/tag/sustainable/)
- [Eco](https://www.dumbfunded.co.uk/tag/eco/)
- [Living](https://www.dumbfunded.co.uk/tag/living/)
- [Repair](https://www.dumbfunded.co.uk/tag/repair/)
- [Recycle](https://www.dumbfunded.co.uk/tag/recycle/)
- [Car loans](https://www.dumbfunded.co.uk/tag/car-loans/)
- [V5](https://www.dumbfunded.co.uk/tag/v5/)
- [Start ups](https://www.dumbfunded.co.uk/tag/start-ups/)
- [Grants](https://www.dumbfunded.co.uk/tag/grants/)
- [Personal loans](https://www.dumbfunded.co.uk/tag/personal-loans/)
- [Bitcoin](https://www.dumbfunded.co.uk/tag/bitcoin/)
- [Digital currency](https://www.dumbfunded.co.uk/tag/digital-currency/)
- [Bitcoin price](https://www.dumbfunded.co.uk/tag/bitcoin-price/)
- [Home insurance](https://www.dumbfunded.co.uk/tag/home-insurance/)
- [Farming](https://www.dumbfunded.co.uk/tag/farming/)
- [Organic food](https://www.dumbfunded.co.uk/tag/organic-food/)
- [Food](https://www.dumbfunded.co.uk/tag/food/)
- [Agriculture](https://www.dumbfunded.co.uk/tag/agriculture/)
- [Cryptocurrency](https://www.dumbfunded.co.uk/tag/cryptocurrency/)
- [Peer to peer](https://www.dumbfunded.co.uk/tag/peer-to-peer/)
- [P2P](https://www.dumbfunded.co.uk/tag/p2p/)
- [Bank accounts](https://www.dumbfunded.co.uk/tag/bank-accounts/)
- [Bad credit](https://www.dumbfunded.co.uk/tag/bad-credit/)
- [LED](https://www.dumbfunded.co.uk/tag/led/)
- [LED lighting](https://www.dumbfunded.co.uk/tag/led-lighting/)
- [Office](https://www.dumbfunded.co.uk/tag/office/)
- [Gas](https://www.dumbfunded.co.uk/tag/gas/)
- [Switch](https://www.dumbfunded.co.uk/tag/switch/)
- [Compare](https://www.dumbfunded.co.uk/tag/compare/)
- [List](https://www.dumbfunded.co.uk/tag/list/)
- [Election](https://www.dumbfunded.co.uk/tag/election/)
- [General election](https://www.dumbfunded.co.uk/tag/general-election/)
- [politics](https://www.dumbfunded.co.uk/tag/politics/)
- [Mortgage](https://www.dumbfunded.co.uk/tag/mortgage/)
- [Deposit](https://www.dumbfunded.co.uk/tag/deposit/)
- [Frugal](https://www.dumbfunded.co.uk/tag/frugal/)
- [Salary](https://www.dumbfunded.co.uk/tag/salary/)
- [Manchester](https://www.dumbfunded.co.uk/tag/manchester/)
- [Relationship](https://www.dumbfunded.co.uk/tag/relationship/)
- [Homeowners](https://www.dumbfunded.co.uk/tag/homeowners/)
- [Debts](https://www.dumbfunded.co.uk/tag/debts/)
- [Equity Release](https://www.dumbfunded.co.uk/tag/equity-release/)
- [Retire](https://www.dumbfunded.co.uk/tag/retire/)
- [Moving](https://www.dumbfunded.co.uk/tag/moving/)
- [Courier](https://www.dumbfunded.co.uk/tag/courier/)
- [Statup](https://www.dumbfunded.co.uk/tag/statup/)
- [Paper](https://www.dumbfunded.co.uk/tag/paper/)
- [Homes](https://www.dumbfunded.co.uk/tag/homes/)
- [For Sale](https://www.dumbfunded.co.uk/tag/for-sale/)
- [Estate Agents](https://www.dumbfunded.co.uk/tag/estate-agents/)
- [Conveyancing](https://www.dumbfunded.co.uk/tag/conveyancing/)
- [Energy Performance Certificate](https://www.dumbfunded.co.uk/tag/energy-performance-certificate/)
- [Misfit](https://www.dumbfunded.co.uk/tag/misfit/)
- [Mortgage Market Review](https://www.dumbfunded.co.uk/tag/mortgage-market-review/)
- [Cashflow](https://www.dumbfunded.co.uk/tag/cashflow/)
- [forecast](https://www.dumbfunded.co.uk/tag/forecast/)
- [Peer to Peer lending](https://www.dumbfunded.co.uk/tag/peer-to-peer-lending/)
- [Growth Street](https://www.dumbfunded.co.uk/tag/growth-street/)
- [Freelancing](https://www.dumbfunded.co.uk/tag/freelancing/)
- [Freelancer](https://www.dumbfunded.co.uk/tag/freelancer/)
- [Lessons](https://www.dumbfunded.co.uk/tag/lessons/)
- [Advice](https://www.dumbfunded.co.uk/tag/advice/)
- [Tool](https://www.dumbfunded.co.uk/tag/tool/)
- [MAS](https://www.dumbfunded.co.uk/tag/mas/)
- [Home Equity](https://www.dumbfunded.co.uk/tag/home-equity/)
- [Sell](https://www.dumbfunded.co.uk/tag/sell/)
- [Borrow](https://www.dumbfunded.co.uk/tag/borrow/)
- [Benefits](https://www.dumbfunded.co.uk/tag/benefits/)
- [Women](https://www.dumbfunded.co.uk/tag/women/)
- [Business Insurance](https://www.dumbfunded.co.uk/tag/business-insurance/)
- [Shop Insurance](https://www.dumbfunded.co.uk/tag/shop-insurance/)
- [Public Liability Insurance](https://www.dumbfunded.co.uk/tag/public-liability-insurance/)
- [Professional Indemnity](https://www.dumbfunded.co.uk/tag/professional-indemnity/)
- [Motor Insurance](https://www.dumbfunded.co.uk/tag/motor-insurance/)
- [Liability Insurance](https://www.dumbfunded.co.uk/tag/liability-insurance/)
- [Landlord](https://www.dumbfunded.co.uk/tag/landlord/)
- [Letting Agents](https://www.dumbfunded.co.uk/tag/letting-agents/)
- [Maintenance](https://www.dumbfunded.co.uk/tag/maintenance/)
- [Tax](https://www.dumbfunded.co.uk/tag/tax/)
- [Software](https://www.dumbfunded.co.uk/tag/software/)
- [Unused software](https://www.dumbfunded.co.uk/tag/unused-software/)
- [Asset Management](https://www.dumbfunded.co.uk/tag/asset-management/)
- [Funding Circle](https://www.dumbfunded.co.uk/tag/funding-circle/)
- [Business Loans](https://www.dumbfunded.co.uk/tag/business-loans/)
- [Cashback](https://www.dumbfunded.co.uk/tag/cashback/)
- [Bank of Scotland](https://www.dumbfunded.co.uk/tag/bank-of-scotland/)
- [Halifax](https://www.dumbfunded.co.uk/tag/halifax/)
- [First-time buyers](https://www.dumbfunded.co.uk/tag/first-time-buyers/)
- [Government](https://www.dumbfunded.co.uk/tag/government/)
- [Research and Development](https://www.dumbfunded.co.uk/tag/research-and-development/)
- [Print](https://www.dumbfunded.co.uk/tag/print/)
- [Managed Print Services](https://www.dumbfunded.co.uk/tag/managed-print-services/)
- [Tenant](https://www.dumbfunded.co.uk/tag/tenant/)
- [Energy Efficient](https://www.dumbfunded.co.uk/tag/energy-efficient/)
- [Double Glazing](https://www.dumbfunded.co.uk/tag/double-glazing/)
- [Insulation](https://www.dumbfunded.co.uk/tag/insulation/)
- [Solar Panels](https://www.dumbfunded.co.uk/tag/solar-panels/)
- [Loft Conversions](https://www.dumbfunded.co.uk/tag/loft-conversions/)
- [Refurbishment](https://www.dumbfunded.co.uk/tag/refurbishment/)
- [Improvement](https://www.dumbfunded.co.uk/tag/improvement/)
- [Secured Home Loans](https://www.dumbfunded.co.uk/tag/secured-home-loans/)
- [Home Improvement Loans](https://www.dumbfunded.co.uk/tag/home-improvement-loans/)
- [Management Software](https://www.dumbfunded.co.uk/tag/management-software/)
- [Calender](https://www.dumbfunded.co.uk/tag/calender/)
- [Online Services](https://www.dumbfunded.co.uk/tag/online-services/)
- [Stock Management](https://www.dumbfunded.co.uk/tag/stock-management/)
- [England](https://www.dumbfunded.co.uk/tag/england/)
- [South](https://www.dumbfunded.co.uk/tag/south/)
- [Coast](https://www.dumbfunded.co.uk/tag/coast/)
- [Whitepaper](https://www.dumbfunded.co.uk/tag/whitepaper/)
- [Guide](https://www.dumbfunded.co.uk/tag/guide/)
- [Data analysis](https://www.dumbfunded.co.uk/tag/data-analysis/)
- [Ecommerce](https://www.dumbfunded.co.uk/tag/ecommerce/)
- [Options](https://www.dumbfunded.co.uk/tag/options/)
- [Location](https://www.dumbfunded.co.uk/tag/location/)
- [Financial Risks](https://www.dumbfunded.co.uk/tag/financial-risks/)
- [Assessments](https://www.dumbfunded.co.uk/tag/assessments/)
- [Audits](https://www.dumbfunded.co.uk/tag/audits/)
- [entrepreneurs](https://www.dumbfunded.co.uk/tag/entrepreneurs/)
- [Storage](https://www.dumbfunded.co.uk/tag/storage/)
- [Mobile Phone](https://www.dumbfunded.co.uk/tag/mobile-phone/)
- [Marketing](https://www.dumbfunded.co.uk/tag/marketing/)
- [Engineering](https://www.dumbfunded.co.uk/tag/engineering/)
- [Small Business](https://www.dumbfunded.co.uk/tag/small-business/)
- [Efficiency](https://www.dumbfunded.co.uk/tag/efficiency/)
- [Leadership](https://www.dumbfunded.co.uk/tag/leadership/)
- [Entrepreneur](https://www.dumbfunded.co.uk/tag/entrepreneur/)
- [Market Trends](https://www.dumbfunded.co.uk/tag/market-trends/)
- [Money Advice Service](https://www.dumbfunded.co.uk/tag/money-advice-service/)
- [Trade](https://www.dumbfunded.co.uk/tag/trade/)
- [Markets](https://www.dumbfunded.co.uk/tag/markets/)
- [International](https://www.dumbfunded.co.uk/tag/international/)
- [Socioeconomics](https://www.dumbfunded.co.uk/tag/socioeconomics/)
- [E-Books](https://www.dumbfunded.co.uk/tag/e-books/)
- [Affiliate Marketing](https://www.dumbfunded.co.uk/tag/affiliate-marketing/)
- [Review](https://www.dumbfunded.co.uk/tag/review/)
- [Debt advice](https://www.dumbfunded.co.uk/tag/debt-advice/)
- [StepChange](https://www.dumbfunded.co.uk/tag/stepchange/)
- [SEO](https://www.dumbfunded.co.uk/tag/seo/)
- [Search Engine Optimisation](https://www.dumbfunded.co.uk/tag/search-engine-optimisation/)
- [Ranking](https://www.dumbfunded.co.uk/tag/ranking/)
- [Financial Conduct Authority](https://www.dumbfunded.co.uk/tag/financial-conduct-authority/)
- [ScamSmart](https://www.dumbfunded.co.uk/tag/scamsmart/)
- [Scammers](https://www.dumbfunded.co.uk/tag/scammers/)
- [Pension Reforms](https://www.dumbfunded.co.uk/tag/pension-reforms/)
- [Online Trading](https://www.dumbfunded.co.uk/tag/online-trading/)
- [Accountants](https://www.dumbfunded.co.uk/tag/accountants/)
- [Discount code](https://www.dumbfunded.co.uk/tag/discount-code/)
- [Voucher code](https://www.dumbfunded.co.uk/tag/voucher-code/)
- [Promotional code](https://www.dumbfunded.co.uk/tag/promotional-code/)
- [Coupon](https://www.dumbfunded.co.uk/tag/coupon/)
- [Rent](https://www.dumbfunded.co.uk/tag/rent/)
- [London](https://www.dumbfunded.co.uk/tag/london/)
- [Outsourcing](https://www.dumbfunded.co.uk/tag/outsourcing/)
- [Jobs](https://www.dumbfunded.co.uk/tag/jobs/)
- [Micro jobbing](https://www.dumbfunded.co.uk/tag/micro-jobbing/)
- [Meeting](https://www.dumbfunded.co.uk/tag/meeting/)
- [Meetings](https://www.dumbfunded.co.uk/tag/meetings/)
- [Any Driver Van Insurance](https://www.dumbfunded.co.uk/tag/any-driver-van-insurance/)
- [Tradesperson](https://www.dumbfunded.co.uk/tag/tradesperson/)
- [Mini Bus](https://www.dumbfunded.co.uk/tag/mini-bus/)
- [Art](https://www.dumbfunded.co.uk/tag/art/)
- [Graffiti](https://www.dumbfunded.co.uk/tag/graffiti/)
- [Street art](https://www.dumbfunded.co.uk/tag/street-art/)
- [Annuity](https://www.dumbfunded.co.uk/tag/annuity/)
- [Interest rates](https://www.dumbfunded.co.uk/tag/interest-rates/)
- [Bank of England](https://www.dumbfunded.co.uk/tag/bank-of-england/)
- [3D](https://www.dumbfunded.co.uk/tag/3d/)
- [3D Printer](https://www.dumbfunded.co.uk/tag/3d-printer/)
- [Home printing](https://www.dumbfunded.co.uk/tag/home-printing/)
- [Priority Debt](https://www.dumbfunded.co.uk/tag/priority-debt/)
- [Money Advice](https://www.dumbfunded.co.uk/tag/money-advice/)
- [Creditors](https://www.dumbfunded.co.uk/tag/creditors/)
- [Budget Planner](https://www.dumbfunded.co.uk/tag/budget-planner/)
- [Home decor](https://www.dumbfunded.co.uk/tag/home-decor/)
- [Interior design](https://www.dumbfunded.co.uk/tag/interior-design/)
- [Decorating](https://www.dumbfunded.co.uk/tag/decorating/)
- [TSB](https://www.dumbfunded.co.uk/tag/tsb/)
- [Wedding](https://www.dumbfunded.co.uk/tag/wedding/)
- [Budgeting Tools](https://www.dumbfunded.co.uk/tag/budgeting-tools/)
- [Thrifty](https://www.dumbfunded.co.uk/tag/thrifty/)
- [Venue](https://www.dumbfunded.co.uk/tag/venue/)
- [Meeting room](https://www.dumbfunded.co.uk/tag/meeting-room/)
- [Conference](https://www.dumbfunded.co.uk/tag/conference/)
- [Hotel](https://www.dumbfunded.co.uk/tag/hotel/)
- [Investments](https://www.dumbfunded.co.uk/tag/investments/)
- [Specialist Brokers](https://www.dumbfunded.co.uk/tag/specialist-brokers/)
- [Stocks](https://www.dumbfunded.co.uk/tag/stocks/)
- [Shares](https://www.dumbfunded.co.uk/tag/shares/)
- [Forex](https://www.dumbfunded.co.uk/tag/forex/)
- [CFDs](https://www.dumbfunded.co.uk/tag/cfds/)
- [Investment Portfolio](https://www.dumbfunded.co.uk/tag/investment-portfolio/)
- [Invoice Financing](https://www.dumbfunded.co.uk/tag/invoice-financing/)
- [Cash Flow](https://www.dumbfunded.co.uk/tag/cash-flow/)
- [Invoice Discounting](https://www.dumbfunded.co.uk/tag/invoice-discounting/)
- [Small & Medium-Sized Enterprises](https://www.dumbfunded.co.uk/tag/small-medium-sized-enterprises/)
- [Company Overheads](https://www.dumbfunded.co.uk/tag/company-overheads/)
- [Property Ladder](https://www.dumbfunded.co.uk/tag/property-ladder/)
- [Home Deposit](https://www.dumbfunded.co.uk/tag/home-deposit/)
- [Mortgage Deposit](https://www.dumbfunded.co.uk/tag/mortgage-deposit/)
- [Help To Buy ISA](https://www.dumbfunded.co.uk/tag/help-to-buy-isa/)
- [Private Workplace Pension Schemes](https://www.dumbfunded.co.uk/tag/private-workplace-pension-schemes/)
- [Tax Relief](https://www.dumbfunded.co.uk/tag/tax-relief/)
- [Pension Contribution](https://www.dumbfunded.co.uk/tag/pension-contribution/)
- [Alternative Energy Sources](https://www.dumbfunded.co.uk/tag/alternative-energy-sources/)
- [Energy Sector](https://www.dumbfunded.co.uk/tag/energy-sector/)
- [Income Protection Insurance](https://www.dumbfunded.co.uk/tag/income-protection-insurance/)
- [Financial Obligations](https://www.dumbfunded.co.uk/tag/financial-obligations/)
- [Financial Responsibilities](https://www.dumbfunded.co.uk/tag/financial-responsibilities/)
- [Welfare System](https://www.dumbfunded.co.uk/tag/welfare-system/)
- [Insolvency](https://www.dumbfunded.co.uk/tag/insolvency/)
- [Companies](https://www.dumbfunded.co.uk/tag/companies/)
- [Administration](https://www.dumbfunded.co.uk/tag/administration/)
- [Bankruptcy](https://www.dumbfunded.co.uk/tag/bankruptcy/)
- [Point of Sale](https://www.dumbfunded.co.uk/tag/point-of-sale/)
- [Display](https://www.dumbfunded.co.uk/tag/display/)
- [Presentation](https://www.dumbfunded.co.uk/tag/presentation/)
- [Slogan](https://www.dumbfunded.co.uk/tag/slogan/)
- [Demographic](https://www.dumbfunded.co.uk/tag/demographic/)
- [HR](https://www.dumbfunded.co.uk/tag/hr/)
- [Staff holiday](https://www.dumbfunded.co.uk/tag/staff-holiday/)
- [Project management](https://www.dumbfunded.co.uk/tag/project-management/)
- [Communication](https://www.dumbfunded.co.uk/tag/communication/)
- [Skype](https://www.dumbfunded.co.uk/tag/skype/)
- [Pensions](https://www.dumbfunded.co.uk/tag/pensions/)
- [Retirement planning](https://www.dumbfunded.co.uk/tag/retirement-planning/)
- [Party](https://www.dumbfunded.co.uk/tag/party/)
- [Goals](https://www.dumbfunded.co.uk/tag/goals/)
- [Strategies](https://www.dumbfunded.co.uk/tag/strategies/)
- [Product Line](https://www.dumbfunded.co.uk/tag/product-line/)
- [On Line Tools](https://www.dumbfunded.co.uk/tag/on-line-tools/)
- [Operating Capital](https://www.dumbfunded.co.uk/tag/operating-capital/)
- [Trading](https://www.dumbfunded.co.uk/tag/trading/)
- [Platform](https://www.dumbfunded.co.uk/tag/platform/)
- [MetaTrader](https://www.dumbfunded.co.uk/tag/metatrader/)
- [Cheap](https://www.dumbfunded.co.uk/tag/cheap/)
- [Price](https://www.dumbfunded.co.uk/tag/price/)
- [International Business](https://www.dumbfunded.co.uk/tag/international-business/)
- [Specialist Lawyer](https://www.dumbfunded.co.uk/tag/specialist-lawyer/)
- [Taxes](https://www.dumbfunded.co.uk/tag/taxes/)
- [Ethics](https://www.dumbfunded.co.uk/tag/ethics/)
- [IT Support](https://www.dumbfunded.co.uk/tag/it-support/)
- [Antivirus Software](https://www.dumbfunded.co.uk/tag/antivirus-software/)
- [Computer Hacking](https://www.dumbfunded.co.uk/tag/computer-hacking/)
- [Certified Financial Planner](https://www.dumbfunded.co.uk/tag/certified-financial-planner/)
- [Tax Consulting Service](https://www.dumbfunded.co.uk/tag/tax-consulting-service/)
- [Financial Consultant](https://www.dumbfunded.co.uk/tag/financial-consultant/)
- [Financial Advisor](https://www.dumbfunded.co.uk/tag/financial-advisor/)
- [Call tracking](https://www.dumbfunded.co.uk/tag/call-tracking/)
- [Analyics](https://www.dumbfunded.co.uk/tag/analyics/)
- [Online Security](https://www.dumbfunded.co.uk/tag/online-security/)
- [Uber](https://www.dumbfunded.co.uk/tag/uber/)
- [Promo code](https://www.dumbfunded.co.uk/tag/promo-code/)
- [Inheritance Tax Relief](https://www.dumbfunded.co.uk/tag/inheritance-tax-relief/)
- [conservative Government](https://www.dumbfunded.co.uk/tag/conservative-government/)
- [Windows](https://www.dumbfunded.co.uk/tag/windows/)
- [Windows 10](https://www.dumbfunded.co.uk/tag/windows-10/)
- [Features](https://www.dumbfunded.co.uk/tag/features/)
- [OS](https://www.dumbfunded.co.uk/tag/os/)
- [IT Network](https://www.dumbfunded.co.uk/tag/it-network/)
- [MMR](https://www.dumbfunded.co.uk/tag/mmr/)
- [Luxury Car](https://www.dumbfunded.co.uk/tag/luxury-car/)
- [Classic Car](https://www.dumbfunded.co.uk/tag/classic-car/)
- [Health & Safety](https://www.dumbfunded.co.uk/tag/health-safety/)
- [Risk Assessments](https://www.dumbfunded.co.uk/tag/risk-assessments/)
- [Debt Consolidation](https://www.dumbfunded.co.uk/tag/debt-consolidation/)
- [Individual Voluntary Arrangement](https://www.dumbfunded.co.uk/tag/individual-voluntary-arrangement/)
- [Accountacy](https://www.dumbfunded.co.uk/tag/accountacy/)
- [Qualification](https://www.dumbfunded.co.uk/tag/qualification/)
- [Telemarketing](https://www.dumbfunded.co.uk/tag/telemarketing/)
- [Bought By many](https://www.dumbfunded.co.uk/tag/bought-by-many/)
- [Airbnb](https://www.dumbfunded.co.uk/tag/airbnb/)
- [Inheritance Tax](https://www.dumbfunded.co.uk/tag/inheritance-tax/)
- [ISA](https://www.dumbfunded.co.uk/tag/isa/)
- [Car Insurance](https://www.dumbfunded.co.uk/tag/car-insurance/)
- [Insurance Quotes](https://www.dumbfunded.co.uk/tag/insurance-quotes/)
- [Trading Platforms](https://www.dumbfunded.co.uk/tag/trading-platforms/)
- [Investing](https://www.dumbfunded.co.uk/tag/investing/)
- [Consumer Demand](https://www.dumbfunded.co.uk/tag/consumer-demand/)
- [Optimising Space](https://www.dumbfunded.co.uk/tag/optimising-space/)
- [Seasonal Growth](https://www.dumbfunded.co.uk/tag/seasonal-growth/)
- [Credit History](https://www.dumbfunded.co.uk/tag/credit-history/)
- [Job Security](https://www.dumbfunded.co.uk/tag/job-security/)
- [First Time Home Buyer](https://www.dumbfunded.co.uk/tag/first-time-home-buyer/)
- [CEO Offices](https://www.dumbfunded.co.uk/tag/ceo-offices/)
- [Borrowing](https://www.dumbfunded.co.uk/tag/borrowing/)
- [Flexible Letting](https://www.dumbfunded.co.uk/tag/flexible-letting/)
- [Renting Equipment](https://www.dumbfunded.co.uk/tag/renting-equipment/)
- [Statistics](https://www.dumbfunded.co.uk/tag/statistics/)
- [Analysis](https://www.dumbfunded.co.uk/tag/analysis/)
- [Econony](https://www.dumbfunded.co.uk/tag/econony/)
- [Team Building](https://www.dumbfunded.co.uk/tag/team-building/)
- [Staff Motivation](https://www.dumbfunded.co.uk/tag/staff-motivation/)
- [Charity](https://www.dumbfunded.co.uk/tag/charity/)
- [Cloud Computing](https://www.dumbfunded.co.uk/tag/cloud-computing/)
- [Data Protection](https://www.dumbfunded.co.uk/tag/data-protection/)
- [Self storage](https://www.dumbfunded.co.uk/tag/self-storage/)
- [Deloitte](https://www.dumbfunded.co.uk/tag/deloitte/)
- [Environmentally Friendly](https://www.dumbfunded.co.uk/tag/environmentally-friendly/)
- [Delivery Service](https://www.dumbfunded.co.uk/tag/delivery-service/)
- [Online Business](https://www.dumbfunded.co.uk/tag/online-business/)
- [Office Design](https://www.dumbfunded.co.uk/tag/office-design/)
- [Office Furnishings](https://www.dumbfunded.co.uk/tag/office-furnishings/)
- [Virtual Offices](https://www.dumbfunded.co.uk/tag/virtual-offices/)
- [Flexi Time](https://www.dumbfunded.co.uk/tag/flexi-time/)
- [Risk Assessment](https://www.dumbfunded.co.uk/tag/risk-assessment/)
- [Hotel prices](https://www.dumbfunded.co.uk/tag/hotel-prices/)
- [Patents](https://www.dumbfunded.co.uk/tag/patents/)
- [Intellectual Property Office](https://www.dumbfunded.co.uk/tag/intellectual-property-office/)
- [Urban Planning](https://www.dumbfunded.co.uk/tag/urban-planning/)
- [Architecture](https://www.dumbfunded.co.uk/tag/architecture/)
- [Up Sell](https://www.dumbfunded.co.uk/tag/up-sell/)
- [Employee Efficiency](https://www.dumbfunded.co.uk/tag/employee-efficiency/)
- [Tech Startups](https://www.dumbfunded.co.uk/tag/tech-startups/)
- [environmentally-friendly business](https://www.dumbfunded.co.uk/tag/environmentally-friendly-business/)
- [Property Investment](https://www.dumbfunded.co.uk/tag/property-investment/)
- [Computer Technology](https://www.dumbfunded.co.uk/tag/computer-technology/)
- [Customer Interface](https://www.dumbfunded.co.uk/tag/customer-interface/)
- [Investment Management](https://www.dumbfunded.co.uk/tag/investment-management/)
- [Investment Schemes](https://www.dumbfunded.co.uk/tag/investment-schemes/)
- [Moving Abroad](https://www.dumbfunded.co.uk/tag/moving-abroad/)
- [Will](https://www.dumbfunded.co.uk/tag/will/)
- [Tech Security](https://www.dumbfunded.co.uk/tag/tech-security/)
- [Physical Security](https://www.dumbfunded.co.uk/tag/physical-security/)
- [Compensation Claims](https://www.dumbfunded.co.uk/tag/compensation-claims/)
- [Business Startup](https://www.dumbfunded.co.uk/tag/business-startup/)
- [Driving Test](https://www.dumbfunded.co.uk/tag/driving-test/)
- [Driving Theory Test](https://www.dumbfunded.co.uk/tag/driving-theory-test/)
- [Driving Lessons](https://www.dumbfunded.co.uk/tag/driving-lessons/)
- [Scams](https://www.dumbfunded.co.uk/tag/scams/)
- [Mortgage Schemes](https://www.dumbfunded.co.uk/tag/mortgage-schemes/)
- [Renting Property](https://www.dumbfunded.co.uk/tag/renting-property/)
- [Landlord Insurance](https://www.dumbfunded.co.uk/tag/landlord-insurance/)
- [Recycling](https://www.dumbfunded.co.uk/tag/recycling/)
- [Mobile Phone Recycling](https://www.dumbfunded.co.uk/tag/mobile-phone-recycling/)
- [Leasing](https://www.dumbfunded.co.uk/tag/leasing/)
- [Housing Market](https://www.dumbfunded.co.uk/tag/housing-market/)
- [Financial planning](https://www.dumbfunded.co.uk/tag/financial-planning/)
- [Planning](https://www.dumbfunded.co.uk/tag/planning/)
- [Breakdown Cover](https://www.dumbfunded.co.uk/tag/breakdown-cover/)
- [Emergency](https://www.dumbfunded.co.uk/tag/emergency/)
- [Assistance](https://www.dumbfunded.co.uk/tag/assistance/)
- [Business ideas](https://www.dumbfunded.co.uk/tag/business-ideas/)
- [Personal Business](https://www.dumbfunded.co.uk/tag/personal-business/)
- [Second income](https://www.dumbfunded.co.uk/tag/second-income/)
- [New car](https://www.dumbfunded.co.uk/tag/new-car/)
- [Costs](https://www.dumbfunded.co.uk/tag/costs/)
- [Extras](https://www.dumbfunded.co.uk/tag/extras/)
- [Foreign Investment](https://www.dumbfunded.co.uk/tag/foreign-investment/)
- [Online House Sale](https://www.dumbfunded.co.uk/tag/online-house-sale/)
- [High Street House Sale](https://www.dumbfunded.co.uk/tag/high-street-house-sale/)
- [Networking](https://www.dumbfunded.co.uk/tag/networking/)
- [Micromanaging](https://www.dumbfunded.co.uk/tag/micromanaging/)
- [Car Tax](https://www.dumbfunded.co.uk/tag/car-tax/)
- [Car Costs](https://www.dumbfunded.co.uk/tag/car-costs/)
- [Technology Upgrades](https://www.dumbfunded.co.uk/tag/technology-upgrades/)
- [Business Productivity](https://www.dumbfunded.co.uk/tag/business-productivity/)
- [Guarantor](https://www.dumbfunded.co.uk/tag/guarantor/)
- [Tax Returns](https://www.dumbfunded.co.uk/tag/tax-returns/)
- [Dividends](https://www.dumbfunded.co.uk/tag/dividends/)
- [Temporary Staff](https://www.dumbfunded.co.uk/tag/temporary-staff/)
- [Streamlining Business](https://www.dumbfunded.co.uk/tag/streamlining-business/)
- [Stock Exchange](https://www.dumbfunded.co.uk/tag/stock-exchange/)
- [Forex Trading](https://www.dumbfunded.co.uk/tag/forex-trading/)
- [Upcycle](https://www.dumbfunded.co.uk/tag/upcycle/)
- [Eco-Friendly](https://www.dumbfunded.co.uk/tag/eco-friendly/)
- [Freelance](https://www.dumbfunded.co.uk/tag/freelance/)
- [Self employed](https://www.dumbfunded.co.uk/tag/self-employed/)
- [Made In Britain](https://www.dumbfunded.co.uk/tag/made-in-britain/)
- [British Economy](https://www.dumbfunded.co.uk/tag/british-economy/)
- [Ethical Shopping](https://www.dumbfunded.co.uk/tag/ethical-shopping/)
- [Currency Investment](https://www.dumbfunded.co.uk/tag/currency-investment/)
- [Business Investment](https://www.dumbfunded.co.uk/tag/business-investment/)
- [Pet Insurance](https://www.dumbfunded.co.uk/tag/pet-insurance/)
- [Pet Costs](https://www.dumbfunded.co.uk/tag/pet-costs/)
- [Morgage](https://www.dumbfunded.co.uk/tag/morgage/)
- [Fixing up property](https://www.dumbfunded.co.uk/tag/fixing-up-property/)
- [Wills](https://www.dumbfunded.co.uk/tag/wills/)
- [Inheritance](https://www.dumbfunded.co.uk/tag/inheritance/)
- [Payroll](https://www.dumbfunded.co.uk/tag/payroll/)
- [Human Resourses](https://www.dumbfunded.co.uk/tag/human-resourses/)
- [News](https://www.dumbfunded.co.uk/tag/news/)
- [Google](https://www.dumbfunded.co.uk/tag/google/)
- [Google Chrome](https://www.dumbfunded.co.uk/tag/google-chrome/)
- [Bitcoins](https://www.dumbfunded.co.uk/tag/bitcoins/)
- [Finance](https://www.dumbfunded.co.uk/tag/finance/)
- [Budgeting](https://www.dumbfunded.co.uk/tag/budgeting/)
- [Apps](https://www.dumbfunded.co.uk/tag/apps/)
- [Personal Finance](https://www.dumbfunded.co.uk/tag/personal-finance/)
- [Debt](https://www.dumbfunded.co.uk/tag/debt/)
- [Loans](https://www.dumbfunded.co.uk/tag/loans/)
- [Energy](https://www.dumbfunded.co.uk/tag/energy/)
- [Life Insurance](https://www.dumbfunded.co.uk/tag/life-insurance/)
- [Gold](https://www.dumbfunded.co.uk/tag/gold/)
- [Business](https://www.dumbfunded.co.uk/tag/business/)
- [Property](https://www.dumbfunded.co.uk/tag/property/)
- [Accounting](https://www.dumbfunded.co.uk/tag/accounting/)
- [Cars](https://www.dumbfunded.co.uk/tag/cars/)
- [Security](https://www.dumbfunded.co.uk/tag/security/)
- [Occupational Health](https://www.dumbfunded.co.uk/tag/occupational-health/)
- [Workplace Assessments](https://www.dumbfunded.co.uk/tag/workplace-assessments/)
- [Financial Career](https://www.dumbfunded.co.uk/tag/financial-career/)
- [Start-up](https://www.dumbfunded.co.uk/tag/start-up/)
- [Business Costs](https://www.dumbfunded.co.uk/tag/business-costs/)
- [Financial Advice](https://www.dumbfunded.co.uk/tag/financial-advice/)
- [Elderly Care](https://www.dumbfunded.co.uk/tag/elderly-care/)
- [Scam](https://www.dumbfunded.co.uk/tag/scam/)
- [Swindle](https://www.dumbfunded.co.uk/tag/swindle/)
- [Motorhome](https://www.dumbfunded.co.uk/tag/motorhome/)
- [Kashflow](https://www.dumbfunded.co.uk/tag/kashflow/)
- [Accountancy](https://www.dumbfunded.co.uk/tag/accountancy/)
- [Pension review](https://www.dumbfunded.co.uk/tag/pension-review/)
- [Personal pensions](https://www.dumbfunded.co.uk/tag/personal-pensions/)
- [Mobile Phones](https://www.dumbfunded.co.uk/tag/mobile-phones/)
- [Phone Contracts](https://www.dumbfunded.co.uk/tag/phone-contracts/)
- [Work Injuries](https://www.dumbfunded.co.uk/tag/work-injuries/)
- [Employee Rights](https://www.dumbfunded.co.uk/tag/employee-rights/)
- [Money Scams](https://www.dumbfunded.co.uk/tag/money-scams/)
- [Trailer Insurance](https://www.dumbfunded.co.uk/tag/trailer-insurance/)
- [Interview Skills](https://www.dumbfunded.co.uk/tag/interview-skills/)
- [Presentation Skills](https://www.dumbfunded.co.uk/tag/presentation-skills/)
- [CE](https://www.dumbfunded.co.uk/tag/ce/)
- [CE Mark](https://www.dumbfunded.co.uk/tag/ce-mark/)
- [Safety](https://www.dumbfunded.co.uk/tag/safety/)
- [EIS](https://www.dumbfunded.co.uk/tag/eis/)
- [SEIS](https://www.dumbfunded.co.uk/tag/seis/)
- [Income Tax](https://www.dumbfunded.co.uk/tag/income-tax/)
- [Why](https://www.dumbfunded.co.uk/tag/why/)
- [What](https://www.dumbfunded.co.uk/tag/what/)
- [Umbrella Company](https://www.dumbfunded.co.uk/tag/umbrella-company/)
- [HMRC](https://www.dumbfunded.co.uk/tag/hmrc/)
- [Vehicle Insurance](https://www.dumbfunded.co.uk/tag/vehicle-insurance/)
- [Motor Accidents](https://www.dumbfunded.co.uk/tag/motor-accidents/)
- [Company Search](https://www.dumbfunded.co.uk/tag/company-search/)
- [Business Funding](https://www.dumbfunded.co.uk/tag/business-funding/)
- [Overseas Trading](https://www.dumbfunded.co.uk/tag/overseas-trading/)
- [Shop Floor Displays](https://www.dumbfunded.co.uk/tag/shop-floor-displays/)
- [Store Displays](https://www.dumbfunded.co.uk/tag/store-displays/)
- [Retail Sales](https://www.dumbfunded.co.uk/tag/retail-sales/)
- [Point Of Purchase Displays](https://www.dumbfunded.co.uk/tag/point-of-purchase-displays/)
- [Time Management](https://www.dumbfunded.co.uk/tag/time-management/)
- [Short Term Loan](https://www.dumbfunded.co.uk/tag/short-term-loan/)
- [Home Equity Loan](https://www.dumbfunded.co.uk/tag/home-equity-loan/)
- [Divorce](https://www.dumbfunded.co.uk/tag/divorce/)
- [Joint Accounts](https://www.dumbfunded.co.uk/tag/joint-accounts/)
- [Insurance Claim](https://www.dumbfunded.co.uk/tag/insurance-claim/)
- [Mediation](https://www.dumbfunded.co.uk/tag/mediation/)
- [Legal Advice](https://www.dumbfunded.co.uk/tag/legal-advice/)
- [Used cars](https://www.dumbfunded.co.uk/tag/used-cars/)
- [Buying a car](https://www.dumbfunded.co.uk/tag/buying-a-car/)
- [Football](https://www.dumbfunded.co.uk/tag/football/)
- [Coupons](https://www.dumbfunded.co.uk/tag/coupons/)
- [Sports Competitions](https://www.dumbfunded.co.uk/tag/sports-competitions/)
- [Branding](https://www.dumbfunded.co.uk/tag/branding/)
- [Power - cut](https://www.dumbfunded.co.uk/tag/power-cut/)
- [Guarantor Loans](https://www.dumbfunded.co.uk/tag/guarantor-loans/)
- [Bad Credit Rating](https://www.dumbfunded.co.uk/tag/bad-credit-rating/)
- [Chartered Surveyor](https://www.dumbfunded.co.uk/tag/chartered-surveyor/)
- [Purchasing Property](https://www.dumbfunded.co.uk/tag/purchasing-property/)
- [Students](https://www.dumbfunded.co.uk/tag/students/)
- [Motor Costs](https://www.dumbfunded.co.uk/tag/motor-costs/)
- [Employment law](https://www.dumbfunded.co.uk/tag/employment-law/)
- [Job Advertising](https://www.dumbfunded.co.uk/tag/job-advertising/)
- [Video Conferencing](https://www.dumbfunded.co.uk/tag/video-conferencing/)
- [Web Conference](https://www.dumbfunded.co.uk/tag/web-conference/)
- [Mobile Technology](https://www.dumbfunded.co.uk/tag/mobile-technology/)
- [Android Phone](https://www.dumbfunded.co.uk/tag/android-phone/)
- [YouTube](https://www.dumbfunded.co.uk/tag/youtube/)
- [Webinars](https://www.dumbfunded.co.uk/tag/webinars/)
- [Cost-Effective](https://www.dumbfunded.co.uk/tag/cost-effective/)
- [Currency](https://www.dumbfunded.co.uk/tag/currency/)
- [Whistleblowing](https://www.dumbfunded.co.uk/tag/whistleblowing/)
- [Boardroom](https://www.dumbfunded.co.uk/tag/boardroom/)
- [Checklist](https://www.dumbfunded.co.uk/tag/checklist/)
- [Network](https://www.dumbfunded.co.uk/tag/network/)
- [Clients](https://www.dumbfunded.co.uk/tag/clients/)
- [Trading signals](https://www.dumbfunded.co.uk/tag/trading-signals/)
- [Reviews](https://www.dumbfunded.co.uk/tag/reviews/)
- [Business Growth](https://www.dumbfunded.co.uk/tag/business-growth/)
- [Compensation](https://www.dumbfunded.co.uk/tag/compensation/)
- [Overseas Expansion](https://www.dumbfunded.co.uk/tag/overseas-expansion/)
- [Business Premises](https://www.dumbfunded.co.uk/tag/business-premises/)
- [New Build](https://www.dumbfunded.co.uk/tag/new-build/)
- [Online Stores](https://www.dumbfunded.co.uk/tag/online-stores/)
- [Catalogue](https://www.dumbfunded.co.uk/tag/catalogue/)
- [Bid Management](https://www.dumbfunded.co.uk/tag/bid-management/)
- [Management](https://www.dumbfunded.co.uk/tag/management/)
- [Christmas Spending](https://www.dumbfunded.co.uk/tag/christmas-spending/)
- [Christmas Survey](https://www.dumbfunded.co.uk/tag/christmas-survey/)
- [Trading Opportunities](https://www.dumbfunded.co.uk/tag/trading-opportunities/)
- [Capital Investment](https://www.dumbfunded.co.uk/tag/capital-investment/)
- [International trading](https://www.dumbfunded.co.uk/tag/international-trading/)
- [Pro Bono](https://www.dumbfunded.co.uk/tag/pro-bono/)
- [Legal Costs](https://www.dumbfunded.co.uk/tag/legal-costs/)
- [Solicitor](https://www.dumbfunded.co.uk/tag/solicitor/)
- [Credit Check](https://www.dumbfunded.co.uk/tag/credit-check/)
- [Medical Insurance](https://www.dumbfunded.co.uk/tag/medical-insurance/)
- [Driving Costs](https://www.dumbfunded.co.uk/tag/driving-costs/)
- [Business Storage](https://www.dumbfunded.co.uk/tag/business-storage/)
- [Storage Space](https://www.dumbfunded.co.uk/tag/storage-space/)
- [Boost Efficiency](https://www.dumbfunded.co.uk/tag/boost-efficiency/)
- [Stocks and Shares](https://www.dumbfunded.co.uk/tag/stocks-and-shares/)
- [Eurozone Economy](https://www.dumbfunded.co.uk/tag/eurozone-economy/)
- [Will Writer](https://www.dumbfunded.co.uk/tag/will-writer/)
- [Ombudsman](https://www.dumbfunded.co.uk/tag/ombudsman/)
- [Autumn statement](https://www.dumbfunded.co.uk/tag/autumn-statement/)
- [Tax credits](https://www.dumbfunded.co.uk/tag/tax-credits/)
- [Energy Reduction](https://www.dumbfunded.co.uk/tag/energy-reduction/)
- [Interest](https://www.dumbfunded.co.uk/tag/interest/)
- [Software Protection](https://www.dumbfunded.co.uk/tag/software-protection/)
- [Trademark](https://www.dumbfunded.co.uk/tag/trademark/)
- [Staff Training](https://www.dumbfunded.co.uk/tag/staff-training/)
- [Employee Training](https://www.dumbfunded.co.uk/tag/employee-training/)
- [Temporary Space](https://www.dumbfunded.co.uk/tag/temporary-space/)
- [In-House Training](https://www.dumbfunded.co.uk/tag/in-house-training/)
- [Library](https://www.dumbfunded.co.uk/tag/library/)
- [Local Funding](https://www.dumbfunded.co.uk/tag/local-funding/)
- [Business Development](https://www.dumbfunded.co.uk/tag/business-development/)
- [Energy Supplier](https://www.dumbfunded.co.uk/tag/energy-supplier/)
- [Energy Efficient Appliances](https://www.dumbfunded.co.uk/tag/energy-efficient-appliances/)
- [Credit Score](https://www.dumbfunded.co.uk/tag/credit-score/)
- [Experian](https://www.dumbfunded.co.uk/tag/experian/)
- [Stocks & Shares](https://www.dumbfunded.co.uk/tag/stocks-shares/)
- [Business Start Up](https://www.dumbfunded.co.uk/tag/business-start-up/)
- [Net Profit](https://www.dumbfunded.co.uk/tag/net-profit/)
- [Retirement Home](https://www.dumbfunded.co.uk/tag/retirement-home/)
- [Stockbroker](https://www.dumbfunded.co.uk/tag/stockbroker/)
- [Car Park](https://www.dumbfunded.co.uk/tag/car-park/)
- [Parking Tickets](https://www.dumbfunded.co.uk/tag/parking-tickets/)
- [Pay & Display](https://www.dumbfunded.co.uk/tag/pay-display/)
- [Conversion Rate](https://www.dumbfunded.co.uk/tag/conversion-rate/)
- [Click Fatigue](https://www.dumbfunded.co.uk/tag/click-fatigue/)
- [PPC](https://www.dumbfunded.co.uk/tag/ppc/)
- [Motor Car Costs](https://www.dumbfunded.co.uk/tag/motor-car-costs/)
- [Customer Engagement](https://www.dumbfunded.co.uk/tag/customer-engagement/)
- [CFD Trading](https://www.dumbfunded.co.uk/tag/cfd-trading/)
- [Stock Market](https://www.dumbfunded.co.uk/tag/stock-market/)
- [Lone Parent](https://www.dumbfunded.co.uk/tag/lone-parent/)
- [Child Maintenance](https://www.dumbfunded.co.uk/tag/child-maintenance/)
- [Solar Power](https://www.dumbfunded.co.uk/tag/solar-power/)
- [Wind Power](https://www.dumbfunded.co.uk/tag/wind-power/)
- [Cheaper Utility Bills](https://www.dumbfunded.co.uk/tag/cheaper-utility-bills/)
- [Health Insurance](https://www.dumbfunded.co.uk/tag/health-insurance/)
- [Private Health Care](https://www.dumbfunded.co.uk/tag/private-health-care/)
- [Private Health Insurance](https://www.dumbfunded.co.uk/tag/private-health-insurance/)
- [Holiday Home](https://www.dumbfunded.co.uk/tag/holiday-home/)
- [Buying Property](https://www.dumbfunded.co.uk/tag/buying-property/)
- [Property Management](https://www.dumbfunded.co.uk/tag/property-management/)
- [Property Portfolio](https://www.dumbfunded.co.uk/tag/property-portfolio/)
- [Sugar Market](https://www.dumbfunded.co.uk/tag/sugar-market/)
- [Credit Report](https://www.dumbfunded.co.uk/tag/credit-report/)
- [Startup](https://www.dumbfunded.co.uk/tag/startup/)
- [Business Startup Financing](https://www.dumbfunded.co.uk/tag/business-startup-financing/)
- [Creative Industry](https://www.dumbfunded.co.uk/tag/creative-industry/)
- [Serviced Offices](https://www.dumbfunded.co.uk/tag/serviced-offices/)
- [Commercial Property](https://www.dumbfunded.co.uk/tag/commercial-property/)
- [Business Plan](https://www.dumbfunded.co.uk/tag/business-plan/)
- [Moving Office](https://www.dumbfunded.co.uk/tag/moving-office/)
- [Law](https://www.dumbfunded.co.uk/tag/law/)
- [Northern Power House](https://www.dumbfunded.co.uk/tag/northern-power-house/)
- [Project Manager](https://www.dumbfunded.co.uk/tag/project-manager/)
- [Planning Permission](https://www.dumbfunded.co.uk/tag/planning-permission/)
- [Affordable Options](https://www.dumbfunded.co.uk/tag/affordable-options/)
- [Purchasing Proper](https://www.dumbfunded.co.uk/tag/purchasing-proper/)
- [Professional Surveyor](https://www.dumbfunded.co.uk/tag/professional-surveyor/)
- [Forex Market](https://www.dumbfunded.co.uk/tag/forex-market/)
- [Dow Jones](https://www.dumbfunded.co.uk/tag/dow-jones/)
- [UK FTSE 100](https://www.dumbfunded.co.uk/tag/uk-ftse-100/)
- [Green Credentials](https://www.dumbfunded.co.uk/tag/green-credentials/)
- [Business Location](https://www.dumbfunded.co.uk/tag/business-location/)
- [Relocation](https://www.dumbfunded.co.uk/tag/relocation/)
- [Funeral Costs](https://www.dumbfunded.co.uk/tag/funeral-costs/)
- [Savings Account](https://www.dumbfunded.co.uk/tag/savings-account/)
- [Funeral Plans](https://www.dumbfunded.co.uk/tag/funeral-plans/)
- [Shopping List](https://www.dumbfunded.co.uk/tag/shopping-list/)
- [Special Offers](https://www.dumbfunded.co.uk/tag/special-offers/)
- [money saving deal](https://www.dumbfunded.co.uk/tag/money-saving-deal/)
- [Best Value Deals](https://www.dumbfunded.co.uk/tag/best-value-deals/)
- [Online Vouchers](https://www.dumbfunded.co.uk/tag/online-vouchers/)
- [Online Discounts](https://www.dumbfunded.co.uk/tag/online-discounts/)
- [Money Off](https://www.dumbfunded.co.uk/tag/money-off/)
- [Car Finance Comparison Service](https://www.dumbfunded.co.uk/tag/car-finance-comparison-service/)
- [Finance Service](https://www.dumbfunded.co.uk/tag/finance-service/)
- [Energy Bills](https://www.dumbfunded.co.uk/tag/energy-bills/)
- [Rental Deposit](https://www.dumbfunded.co.uk/tag/rental-deposit/)
- [Rental Contract](https://www.dumbfunded.co.uk/tag/rental-contract/)
- [Rental Fees](https://www.dumbfunded.co.uk/tag/rental-fees/)
- [Garage Door](https://www.dumbfunded.co.uk/tag/garage-door/)
- [Loft Conversion](https://www.dumbfunded.co.uk/tag/loft-conversion/)
- [House Extension](https://www.dumbfunded.co.uk/tag/house-extension/)
- [Add Value To Properties](https://www.dumbfunded.co.uk/tag/add-value-to-properties/)
- [Selling Property](https://www.dumbfunded.co.uk/tag/selling-property/)
- [Successful Business](https://www.dumbfunded.co.uk/tag/successful-business/)
- [Online Presence](https://www.dumbfunded.co.uk/tag/online-presence/)
- [Accountant](https://www.dumbfunded.co.uk/tag/accountant/)
- [New Business](https://www.dumbfunded.co.uk/tag/new-business/)
- [Motor Repairs](https://www.dumbfunded.co.uk/tag/motor-repairs/)
- [Car Breakdown](https://www.dumbfunded.co.uk/tag/car-breakdown/)
- [Digital Marketing Scheme](https://www.dumbfunded.co.uk/tag/digital-marketing-scheme/)
- [Email Marketing](https://www.dumbfunded.co.uk/tag/email-marketing/)
- [Digital Marketing](https://www.dumbfunded.co.uk/tag/digital-marketing/)
- [Car Repairs](https://www.dumbfunded.co.uk/tag/car-repairs/)
- [Office Space](https://www.dumbfunded.co.uk/tag/office-space/)
- [Trends](https://www.dumbfunded.co.uk/tag/trends/)
- [Research](https://www.dumbfunded.co.uk/tag/research/)
- [Swift Money](https://www.dumbfunded.co.uk/tag/swift-money/)
- [Pension Scam](https://www.dumbfunded.co.uk/tag/pension-scam/)
- [Action Fraud](https://www.dumbfunded.co.uk/tag/action-fraud/)
- [Scamsmart Warning List](https://www.dumbfunded.co.uk/tag/scamsmart-warning-list/)
- [DIY](https://www.dumbfunded.co.uk/tag/diy/)
- [Guarantor loan](https://www.dumbfunded.co.uk/tag/guarantor-loan/)
- [Sub - Prime Mortgage](https://www.dumbfunded.co.uk/tag/sub-prime-mortgage/)
- [Personal Loan](https://www.dumbfunded.co.uk/tag/personal-loan/)
- [Loan Calculator](https://www.dumbfunded.co.uk/tag/loan-calculator/)
- [Inheritance Dispute](https://www.dumbfunded.co.uk/tag/inheritance-dispute/)
- [Estate](https://www.dumbfunded.co.uk/tag/estate/)
- [Loan](https://www.dumbfunded.co.uk/tag/loan/)
- [Food & Drink](https://www.dumbfunded.co.uk/tag/food-drink/)
- [Business Finances](https://www.dumbfunded.co.uk/tag/business-finances/)
- [Business Accounts](https://www.dumbfunded.co.uk/tag/business-accounts/)
- [Car Options](https://www.dumbfunded.co.uk/tag/car-options/)
- [Financial Adviser](https://www.dumbfunded.co.uk/tag/financial-adviser/)
- [Benefits Package](https://www.dumbfunded.co.uk/tag/benefits-package/)
- [Retirement Plan](https://www.dumbfunded.co.uk/tag/retirement-plan/)
- [Global Investment](https://www.dumbfunded.co.uk/tag/global-investment/)
- [Brand Success](https://www.dumbfunded.co.uk/tag/brand-success/)
- [Celebrity Endorsement](https://www.dumbfunded.co.uk/tag/celebrity-endorsement/)
- [Brands Ambassador](https://www.dumbfunded.co.uk/tag/brands-ambassador/)
- [Binary Options](https://www.dumbfunded.co.uk/tag/binary-options/)
- [Energy Prices](https://www.dumbfunded.co.uk/tag/energy-prices/)
- [Switch Energy Suppliers](https://www.dumbfunded.co.uk/tag/switch-energy-suppliers/)
- [Meter Readings](https://www.dumbfunded.co.uk/tag/meter-readings/)
- [Investing Scams](https://www.dumbfunded.co.uk/tag/investing-scams/)
- [Scam Brokers](https://www.dumbfunded.co.uk/tag/scam-brokers/)
- [Print Deals](https://www.dumbfunded.co.uk/tag/print-deals/)
- [Cut Back](https://www.dumbfunded.co.uk/tag/cut-back/)
- [Bulk Buy](https://www.dumbfunded.co.uk/tag/bulk-buy/)
- [Financial Struggles](https://www.dumbfunded.co.uk/tag/financial-struggles/)
- [Poor Credit Rating](https://www.dumbfunded.co.uk/tag/poor-credit-rating/)
- [Mainstream Lender](https://www.dumbfunded.co.uk/tag/mainstream-lender/)
- [Stock Broker](https://www.dumbfunded.co.uk/tag/stock-broker/)
- [Execution Only Brokers](https://www.dumbfunded.co.uk/tag/execution-only-brokers/)
- [Vehicle Tax](https://www.dumbfunded.co.uk/tag/vehicle-tax/)
- [Price Comparison Websites](https://www.dumbfunded.co.uk/tag/price-comparison-websites/)
- [Savings Accounts](https://www.dumbfunded.co.uk/tag/savings-accounts/)
- [Financing Vehicles](https://www.dumbfunded.co.uk/tag/financing-vehicles/)
- [Self-Build Month](https://www.dumbfunded.co.uk/tag/self-build-month/)
- [Cloud Services](https://www.dumbfunded.co.uk/tag/cloud-services/)
- [Computer Storage](https://www.dumbfunded.co.uk/tag/computer-storage/)
- [Dental Costs](https://www.dumbfunded.co.uk/tag/dental-costs/)
- [Pay As You Go](https://www.dumbfunded.co.uk/tag/pay-as-you-go/)
- [Capitation Policies](https://www.dumbfunded.co.uk/tag/capitation-policies/)
- [NHS](https://www.dumbfunded.co.uk/tag/nhs/)
- [Mobile Banking](https://www.dumbfunded.co.uk/tag/mobile-banking/)
- [Selfie](https://www.dumbfunded.co.uk/tag/selfie/)
- [Digital Revolution](https://www.dumbfunded.co.uk/tag/digital-revolution/)
- [Digital Security](https://www.dumbfunded.co.uk/tag/digital-security/)
- [Mobile Phone Security](https://www.dumbfunded.co.uk/tag/mobile-phone-security/)
- [Smartphone](https://www.dumbfunded.co.uk/tag/smartphone/)
- [Selfie - Pay](https://www.dumbfunded.co.uk/tag/selfie-pay/)
- [Card Payment](https://www.dumbfunded.co.uk/tag/card-payment/)
- [Energy Bill](https://www.dumbfunded.co.uk/tag/energy-bill/)
- [Double Glazing Windows](https://www.dumbfunded.co.uk/tag/double-glazing-windows/)
- [Single Glazing Windows](https://www.dumbfunded.co.uk/tag/single-glazing-windows/)
- [FENSA registered](https://www.dumbfunded.co.uk/tag/fensa-registered/)
- [U-value](https://www.dumbfunded.co.uk/tag/u-value/)
- [Serviced Office](https://www.dumbfunded.co.uk/tag/serviced-office/)
- [Contracts](https://www.dumbfunded.co.uk/tag/contracts/)
- [Stock Market Trading](https://www.dumbfunded.co.uk/tag/stock-market-trading/)
- [Mobile Apps](https://www.dumbfunded.co.uk/tag/mobile-apps/)
- [Mobile Trading](https://www.dumbfunded.co.uk/tag/mobile-trading/)
- [Ebay](https://www.dumbfunded.co.uk/tag/ebay/)
- [Motors](https://www.dumbfunded.co.uk/tag/motors/)
- [Car Maintenance](https://www.dumbfunded.co.uk/tag/car-maintenance/)
- [Auto Repair](https://www.dumbfunded.co.uk/tag/auto-repair/)
- [Accessibility](https://www.dumbfunded.co.uk/tag/accessibility/)
- [Office Facilities](https://www.dumbfunded.co.uk/tag/office-facilities/)
- [Millennials](https://www.dumbfunded.co.uk/tag/millennials/)
- [Money Management](https://www.dumbfunded.co.uk/tag/money-management/)
- [Employment Training](https://www.dumbfunded.co.uk/tag/employment-training/)
- [Brexit](https://www.dumbfunded.co.uk/tag/brexit/)
- [EU](https://www.dumbfunded.co.uk/tag/eu/)
- [Europe](https://www.dumbfunded.co.uk/tag/europe/)
- [Mortgage Calculator](https://www.dumbfunded.co.uk/tag/mortgage-calculator/)
- [Calculator](https://www.dumbfunded.co.uk/tag/calculator/)
- [Loan Rates](https://www.dumbfunded.co.uk/tag/loan-rates/)
- [Pension Pot](https://www.dumbfunded.co.uk/tag/pension-pot/)
- [Workforce](https://www.dumbfunded.co.uk/tag/workforce/)
- [Employees](https://www.dumbfunded.co.uk/tag/employees/)
- [Employees Discount](https://www.dumbfunded.co.uk/tag/employees-discount/)
- [Business Trips](https://www.dumbfunded.co.uk/tag/business-trips/)
- [Voting](https://www.dumbfunded.co.uk/tag/voting/)
- [EU Referendum](https://www.dumbfunded.co.uk/tag/eu-referendum/)
- [Register To Vote](https://www.dumbfunded.co.uk/tag/register-to-vote/)
- [European Union](https://www.dumbfunded.co.uk/tag/european-union/)
- [Digital Tax](https://www.dumbfunded.co.uk/tag/digital-tax/)
- [Property Tax](https://www.dumbfunded.co.uk/tag/property-tax/)
- [Tax Credit](https://www.dumbfunded.co.uk/tag/tax-credit/)
- [Maintenance Loans](https://www.dumbfunded.co.uk/tag/maintenance-loans/)
- [Living Wage](https://www.dumbfunded.co.uk/tag/living-wage/)
- [State Pension](https://www.dumbfunded.co.uk/tag/state-pension/)
- [Franchise](https://www.dumbfunded.co.uk/tag/franchise/)
- [Dress Code](https://www.dumbfunded.co.uk/tag/dress-code/)
- [Casual Dress](https://www.dumbfunded.co.uk/tag/casual-dress/)
- [Office Attire](https://www.dumbfunded.co.uk/tag/office-attire/)
- [Happiness](https://www.dumbfunded.co.uk/tag/happiness/)
- [Work Morale](https://www.dumbfunded.co.uk/tag/work-morale/)
- [Work Satisfaction](https://www.dumbfunded.co.uk/tag/work-satisfaction/)
- [Positive Relationships](https://www.dumbfunded.co.uk/tag/positive-relationships/)
- [Facebook](https://www.dumbfunded.co.uk/tag/facebook/)
- [B2B](https://www.dumbfunded.co.uk/tag/b2b/)