Can good habits make you rich?
We’ve all heard the old saying about how “early to bed, early to rise, makes someone healthy, wealthy and wise” and we can all probably think about how very questionable it is in reality. That said, however, we probably also know that bad habits can have a really negative impact on your finances, which suggests […]
The right approach to chasing payment
It’s all very well saying that if you do a job you love you’ll never work a day in your life, but loving your job won’t pay the bills, only cold, hard cash payments will do that, which means it\’s important to stay on top of your cash flow. With that in mind, here are […]
Do you have a money block?
Athletes often talk about “the wall”. It’s basically a mental barrier, which keeps getting closer and closer until you finally either bang up against it and really can’t go any further or find a way to get through it and keep going. The ability to find a way through that wall is often what separates […]
Finance tips to improve mental health
It’s understandable that money worries can lead to stress and other mental health issues. This could be because someone is short of money and is worried about how to make ends meet. It could be because someone is just getting by and is worried about the future (especially post-Brexit) or it could even be because […]
You can snowball debt in summer
Snowballing is the name given to a common strategy for strategic debt repayments. The basic idea is that you make the minimum payments on all of your debts and focus the rest of your disposable income on the most pressing debt. Snowballing only works if you can manage to make the minimum repayments on your […]
Paying bills when you have no money
A sudden loss of income can cause havoc with your finances and leave you wondering how you will manage to pay your bills. Instead of just crossing your fingers and hoping that it won’t happen to you (or that luck will see you through if it does), plan ahead with these 7 tips. Minimise your […]
Are we now storing up trouble with credit?
Never borrowing (or lending) money might sound good in theory, but in the real world borrowing and lending is a part of life, whether that’s paying your friend back for the taxi you shared but they paid or taking out a mortgage to buy a home. What’s more, borrowers can now access credit from a […]
Don’t get sucked into Xmas Debt
Christmas lights are being switched on all around the UK and Christmas advertising is getting into full swing. It’s that time of the year. Love it or hate it, it’s difficult to ignore it and only too easy to wind up spending more on it than you intended or, really, should have. If you’ve been […]
3 Debt Excuses Busted
Debt is sometimes a pretty-much unavoidable fact of life. It would be nice, for example, if we could all afford to buy houses out of cash savings, but for many people mortgages are the only feasible way of owning a home. While “good” debt may have a purpose, it can still be an advantage to […]
Persistent debtors – the new rules
It was arguably a rather ironic coincidence that notorious payday lender Wonga entered into administration the day before new rules concerning persistent debt came into force (31st August 2018 and 1st September 2018 respectively). Admittedly, these new rules relate specifically to credit card debt rather than to debt in general, but they still highlight the […]