When do you need financial advice for your business?
Being in business has so many rewards, and yet over recent years, the pressure on business owners has increased more and more. With a pandemic and Brexit so close together, it is understandable that companies are struggling. How do you know when it\’s time to ask for financial advice? The signs to look for when […]
The Spring Statement Reviewed
The spring statement does not make for hugely cheerful reading. On the plus side, however, there are some positive nuggets for people who are struggling financially. Here are the key points. A concession on National Insurance Any hopes of a Philip-Hammond-style, last-minute U-turn on an increase to NI contributions were quickly dashed. Rishi Sunak is […]
Getting a “bad credit” mortgage Approved
Mortgage lenders are now obligated to look at long-term “affordability” when calculating whether or not to offer a mortgage. This is not necessarily a bad thing, but it can create challenges for people in unusual situations, especially for those who have a bad credit record. Fortunately, these challenges often be overcome. Here are some tips. […]
How To Keep Relationships On The Same Financial Track
All relationships take work to succeed and that work has to be shared, preferably equally. If a relationship involves a financial link, then it’s important that the people involved stay on the same financial track. Here are some tips to help make that happen. Clean your own financial house first The best way to have […]
How To Make The Most Of Your Credit Score
Even if you’ve no plans to take out credit any time soon (or any time ever), it’s still worth looking after your credit score. With that in mind, here is what you need to know about how to make the most of your credit score. Why your credit score matters The obvious reason why your […]
Where Now For Penalty Charges?
Penalty charges, by their very nature, are unlikely ever to be popular. They should, however, be transparent and fair. When they are not, regulators and/or the law can step in. It is, however, important to remember that neither regulators nor the law will be in a customer’s favour on every occasion. The basics of penalty […]
It Must Be Love
So, unless you\’ve been completely away from all news, stores and social media, you\’ll know that Monday is Valentines\’s Day, apparently the \’day of love\’. It\’s everywhere and you just can\’t avoid it, so we thought we\’d take a look. The first thing that we notice is how much it appears to cost to be […]
Are You Facing Insolvency?
Given everything that’s happened over the last couple of years, it’s hardly a surprise that insolvencies are forecast to rise. If you’re concerned that you’re on the point of insolvency, here’s a quick guide to what you need to know. You can get free debt advice If you’re concerned that you’re insolvent, or close to […]
Millennials Are Feeling The Pinch
The last couple of years haven’t been a whole load of fun for anyone. It has, however, definitely been harder for some than for others. Millennials have been particularly badly hit. In addition to the financial damage, a lot of millennials have had to postpone important life goals. Fortunately, it is possible to recover although […]
What You Need To Know About Your Overdraft
The start of a New Year often brings joy and excitement. At the same time, it can also bring financial concerns. Tackling these can do a lot to set you off on a good financial path for the year ahead. With that in mind, here is a quick guide to what you need to know […]