Often, credit cards are seen negatively as they can encourage a person to spend money they simply do not have. Add in the high-interest rate and it can be a downward spiral into financial struggle and life-affecting debt. However, credit cards – when used responsibly – have many benefits and can even help those who […]
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Raising a family is expensive. Even if you’re already adept at managing your finances, ensuring the needs of your children are met usually means that most of your income is earmarked for essentials like food, clothing, utility bills, hobbies and educational tools – and that’s before you even consider occasional treats like days out or […]
One of the best ways to make sure that you don’t have significant financial issues is to use a zero-based budget. This strategy can help you stay within your means and at the same time plan for future financial security. So, what is zero-based budgeting and how can you ensure that it works for you? […]
Job hunting is a challenge and it can sometimes feel overwhelming, especially in a rapidly changing market. You’ll be familiar with time-worn advice about keeping your CV up to date and being pro-active in your search, but in today’s climate, it’s more important than ever to have a clear strategy of how you’re going to […]