Despite careful planning of your finances, it is always possible that an unexpected expense could leave you struggling until payday. For those who do not have access to savings or traditional forms of credit, such as overdrafts and credit cards, this can lead to a financial emergency. This is especially true for those with a […]
We are heading into a winter where the only certainty is the cold. Staying warm and comfortable at home is important, but it’s vital to do it in the most efficient way possible. Money is tight for some, while others may be looking at ways to generally decrease their spending or improve their carbon footprint. […]
You may have heard about the phrase “persistent debt” in the media recently – and with good reason. This is because the FCA (Financial Conduct Authority) has recently issued a warning to lenders against a blanket suspension of credit cards to people who are classed as in persistent debt. Persistent debt is the term given […]
With the UK officially entering the biggest recession in the country’s history and many industries still struggling to survive, a growing percentage of people are now out of work, furloughed, or simply need to lower their expenses. If you were affected financially by the Covid-19 pandemic, you might be wondering how to save more during […]
The unfolding COVID-19 pandemic has tested many UK families to the limit, and the latest financial figures to come out of government sources only serve to heighten the worry felt by many over their financial futures. With millions of people on a furlough scheme that runs out in October, and many more finding themselves in […]
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 […]
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 […]
For many children, the prospect of returning to the classroom after almost six months away from the school environment may be daunting. How do we help our kids go back to their routine of focused learning after many months of disruption and uncertainty? We’ve put together some of our top tips for preparing your children […]
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.