A poor credit history can have a variety of causes – County Court Judgements against you; personal bankruptcy; falling behind with your mortgage or credit card payments, identity theft – even being self-employed. In many cases it may not even be your fault, or your problems are in the past, but it can still be […]

Ok, we may be coming up to the last few remaining weeks of summer before the air begins to cool and the days begin to grow shorter, but even so, we’re still in the midst of the summer school holidays and there are still a few months left before we need to think about wrapping […]

With the economy still far from stable since the global financial crisis less than a decade ago, it’s pretty safe to say that more and more of us are far more careful with our money and are doing all that we can to save as much as we can, not just to live, but also […]

Are you someone who is not so eager to follow a budget in order to set things right financially? If answered yes, you have to look for other ways through which you can raise your income and have enough money to let go of your debts. Debt is perhaps the most disturbing thing in our […]

With so many daily living expenses to contend with, the idea of taking a well-earned vacation might seem like just a dream. If you discover some smart ways to put money aside and practice some frugal financing, there is every chance that you could turn your vacation dreams into a reality. Here is a look […]

With the average price of a new car in the UK upwards of £25,000, you need to raise quite a bit of cash before even thinking about driving off the forecourt. Happily there are some steps you can take to reduce the cost of what is likely to be the most expensive item you’ll buy […]

Managing your personal finances can be frustrating. You know that your finances are critically important, but managing the process can be time-consuming. Poor financial decisions can affect you for decades. Use these tips from well-managed companies to make good financial decisions. Simple, Forward-looking budgets While all companies create budgets, many businesses do a poor job […]

Every now and then a little extra cash can prove to be really useful. Your monthly salary may tide you over most months, but what happens when something crops up? It could be a special occasion you have to go to, or perhaps emergency vet bills? Maybe you need to save for a dream wedding […]

Regardless of what you understand about investment, you probably already know that there are risks involved. Investment is all about risk and reward. Some investments, like bonds, have virtually no risk associated with them. They’re based on a fundamental aspect of a nation’s finance system. The only way an investor would lose his or her […]

Upgrading your HVAC? Want to save money but also be comfortable with your new system? Who doesn’t? Here’s how to get it done. Upgrade The Whole System When you buy a new system, upgrade everything. The problem with getting one component replaced and leaving the rest as is because it’s still working is that mismatched […]

Let’s admit it is much easier to spend money than make it. In this material world, it is crucial to have the ability to discern what is worth spending on and what is not. This forms the basic guiding factor of managing personal finances. The rising level of consumer debts and declining saving rates shows […]