Are fuel costs biting into your budget?
High fuel costs tend to affect everybody, including people that don’t run cars. People who have to run their own vehicles, however, tend to be the most affected. With that in mind, here are some tips on how to reduce your fuel costs. Many of these also apply to electric vehicles. Where there are differences, […]
Get Ready For Seasonal Scams
The festive season is supposed to be a time of peace and goodwill. Unfortunately, it’s also plagued with scams. Scammers take advantage of the fact that many people vary their routines around the holiday time. This makes unusual behaviour less obvious (and hence easier to hide). On the plus side, forewarned is forearmed. With that […]
Are You Planning For A Low-Cost Christmas?
Currently, it looks as though Christmas 2022 will see a return to normal festive activities (or at least something close to it). In many ways, this news really is glad tidings for everyone. At the same time, it’s probably fair to say that many people are going to feel the need to tighten their belts […]
Personal Liability And Insolvency, What Company Directors Need To Know
One of the advantages of trading as a limited company (as opposed to a sole proprietor) is that, generally, company liabilities stay with the company. The protection from personal liability is, however, not absolute. It’s therefore important that company directors clearly understand where it applies and where it doesn’t. The basics of company liability vs […]
How Can The UK Get Back In The Savings Habit?
Saving in a cost of living crisis may seem like a contradiction in terms. Arguably, however, now is exactly the time most people should be prioritising saving more than ever. Realistically, credit may not be available when you need it. Even if it is, it can be expensive. Saving may be hard, especially in winter. […]
How You Can Protect Your Business From Insolvency
Right now, business owners are picking their way through a whole minefield of challenges. Most business owners will, therefore, probably be only too well aware of the potential for insolvency. With that in mind, here are some steps business owners can take to protect their businesses from it. Incorporate as a limited company If you’re […]
How will the energy grant be paid
For the next 6 months, the government will provide assistance with household energy bills. All households will receive the support no matter what their level of income. The support will, however, be paid in different ways. The basics of the energy grant All households will receive a total of £400 non-repayable support to help pay […]
What To Do When Someone Owes You Money
Way back in the late 16th century, Shakespeare warned his audience against borrowing from or lending to their friends. “Neither a borrower nor a lender be; / For loan oft loses both itself and friend.” In other words, money can break up relationships. This very definitely holds true in 2022 but sometimes you just have […]
Unpacking The Emotional Impact Of Bankruptcy
The 20th century may go down as the century when many age-old stigmas were largely ground down. They may not have been completely eradicated but they are less of an issue. This is arguably true of the stigma that formerly surrounded bankruptcy. Its emotional impact, however, can still be significant. Here are some key points […]
The Budget – Debt
The government’s unscheduled change of leadership has brought a new PM and a new cabinet. This includes a new Chancellor of the Exchequer, Kwasi Kwarteng. He has kickstarted his tenure with a new budget. It’s described as a mini-budget but has some significant content. Here are the key points you need to know. The National […]