Often, credit cards are seen negatively as they can encourage a person to spend money they 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 are […]
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. Of course, you’ll be familiar with time-worn advice about keeping your CV up to date and being proactive in your search. Still, in today’s climate, it’s more important than ever to have a clear strategy of how you’re […]
For many children, the prospect of returning to the classroom after almost six months away from the school environment may be daunting. So 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 […]
If you’re trying to be smarter with the ways you spend, cutting out non-essential purchases makes perfect sense. However, there are certain costs that you cannot avoid: utility bills and the weekly food shop, for example. Even when you’re trying your level best to pay off outstanding debts, you still need to eat. Despite this, […]
Open banking is the term used to describe a series of reforms that made it safe and secure for customers to share bank details with regulated third parties. This has revolutionised the financial sector, opening up the field for third party apps and online banks to offer a huge range of money management services to […]
Before lockdown, card payments were already becoming the norm in high-street retailers and local shops alike. But the sudden closure of physical retailers and the need for stringent hygiene measures due to the pandemic has hastened the decline of cash payments. As a result, not only are more consumers paying for things online than ever […]
Pretty much everybody has had their lives majorly disrupted by the global Covid-19 pandemic. However, this unprecedented worldwide event has affected parents much more than most others. Around the world, schools have been closed for several months now, and a tentative crawl has replaced the usual action-packed summertime out of lockdown. Unfortunately, it has also […]
Keeping track of your personal finances can seem like an overwhelming or even tedious task. However, careful budgeting is an important aspect of maintaining a healthy bank balance. If you have financial goals in mind, such as paying off a credit card, saving for a new car, or saving for a house deposit, keeping your […]
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.