A UK Individual Savings Account (ISA) is a bank account or share dealing platform where all of your interest and gains accumulate completely tax free. If you plan to save money, putting it into an ISA instead of a standard savings account can make a lot of sense. You can contribute up to £20,000 each […]
1. Use Cash, Not Credit There’s a massive and obvious difference between cash and credit. With cash you can only use what you have: with credit you can spend outside your limit. Consider switching to cash as much as possible for your short and long-term spending. While it is obviously difficult—if not impossible—to cut out […]
Needing to borrow money can be an uncomfortable feeling. Nonetheless, there are options that will help you regain your financial footing. If you need to make a big purchase or have a financial emergency, taking out a personal loan can be a wise decision to cover your expenses. Just remember that it is very important […]
Pets are our trusted friends and companions, so it is only natural for pet owners to want to make sure their pet is safe and looked after. Health problems can and do occur, and without pet insurance veterinary costs can rack up. No one wants to be in a situation where the costs are too […]
Financial problems can drain your energy, motivation, and life opportunities. According to CNBC the average American has $38,000 in personal debt, not counting mortgages.¹ That’s a heavy weight dragging down the future. Thankfully there are some effective debt consolidation strategies to help climb out of debt and wake up to a brighter financial tomorrow. What […]
Around one-third of Americans have a bad credit score.¹ This can restrict the ability to take out loans, lease a car, get a mortgage and apply for a credit card. The good news is that credit cards can be an absolute lifeline for climbing back from the black hole of low credit and debt. Thankfully, […]
Bad credit is like a headache that just won’t end. Having poor credit can get in the way of everything from leasing a car to buying an apartment, so it is important to take the necessary steps to correct it. Thankfully there are a number of outstanding credit cards that can help you rebuild credit […]
Poor credit can be very stressful. It can be hard to get rid of and shadow your every move, interrupting your work, life and financial security.¹ When it comes to credit cards it can be difficult to know who to trust and reading all the fine print can seem intimidating. However, there are some excellent […]
Bank accounts are one of those things many of us take for granted. They are a place we store our money and sometimes get a small interest rate on from our bank. But there is more to it than that. In fact, banks have a number of strong motivations to get you to open an […]