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 […]

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 […]

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 […]

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 […]

When you meet with an HVAC expert to discuss a new system, the first thing on your mind is probably “how much is this going to cost me?” But, what you should be thinking is “what will this cost me over the next 10 years.” Here’s why. The Initial Install Vs The Operating Costs The […]

Whenever your HVAC system is running, it is accumulating dust and dirt that will inevitably affect its level of performance and efficiency if it is left unchecked for a period of time. The fact that your air conditioning unit can lose at least 5% of its operating efficiency within 12 months due to this buildup, […]

It seems like everything is digital and electronic these days. And nothing is meant to last. Devices are so complicated that there’s almost no way that all the teeny tiny components can keep doing their jobs. And when one little part fails, the domino effect takes over and before long you’re looking at the blue […]