How to Talk to Loved Ones About Debt Without the Shame Spiral
[vc_row type=\”in_container\” full_screen_row_position=\”middle\” column_margin=\”default\” column_direction=\”default\” column_direction_tablet=\”default\” column_direction_phone=\”default\” scene_position=\”center\” text_color=\”dark\” text_align=\”left\” row_border_radius=\”none\” row_border_radius_applies=\”bg\” overflow=\”visible\” overlay_strength=\”0.3\” gradient_direction=\”left_to_right\” shape_divider_position=\”bottom\” bg_image_animation=\”none\”][vc_column column_padding=\”no-extra-padding\” column_padding_tablet=\”inherit\” column_padding_phone=\”inherit\” column_padding_position=\”all\” column_element_spacing=\”default\” background_color_opacity=\”1\” background_hover_color_opacity=\”1\” column_shadow=\”none\” column_border_radius=\”none\” column_link_target=\”_self\” column_position=\”default\” gradient_direction=\”left_to_right\” overlay_strength=\”0.3\” width=\”1/1\” tablet_width_inherit=\”default\” tablet_text_alignment=\”default\” phone_text_alignment=\”default\” animation_type=\”default\” bg_image_animation=\”none\” border_type=\”simple\” column_border_width=\”none\” column_border_style=\”solid\”][vc_column_text]Debt doesn’t just affect your bank balance. It affects your confidence, your sleep, your relationships and your […]
Preparing Your Teenager for University: Essential Budgeting Tips
As your teenager gets ready to begin their university journey, it’s crucial to equip them with the financial skills they need to manage their money effectively. University life brings a newfound level of independence, along with the responsibility of managing their own finances. Without proper guidance, the excitement of student life can quickly lead to […]
How Your Credit Score Impacts Your Life
It’s probably fairly self-evident that your credit score will impact your ability to borrow. What you may not have realised, however, is just how much it touches on your everyday life. For example, your credit score may influence your ability to get service contracts. This includes rental contracts. It can even influence your ability to […]
Spring Budget
Chancellor Jeremy Hunt\’s Spring Budget brought forward several measures that could impact the financial well-being of UK residents, especially those grappling with debt and financial constraints. Amidst these economic strategies, there is a palpable intent to ease the burden on financially strapped households and offer a semblance of relief in trying times. At the forefront […]
8 Crucial Questions to Ask Yourself
In the complex world of personal finance, staying informed and proactive is key to achieving stability and growth. From managing debt to making smart investments, understanding the fundamentals can significantly impact your financial wellbeing. Here are eight crucial questions to ponder, designed to guide you through the maze of financial decisions and help you build […]
Winter fuel fears
Over a fifth of UK residents are expressing concerns about falling into energy debt this winter, as highlighted by Citizens Advice Scotland. The charity\’s recent findings show that 22% of people, equating to around 360,000 individuals, are experiencing worry or anxiety about energy arrears. Notably, the average energy debt among those seeking complex debt advice […]
Secured and unsecured loans
Secured and unsecured loans are pivotal in fuelling business growth, acting as a catalyst for businesses to realise their objectives. In the UK, according to the British Business Bank, small and medium-sized enterprises (SMEs) saw a significant 12.8% rise in gross bank lending between 2021 and 2022, amounting to £65.1 billion – and that\’s just […]
Will Interest Rates Cause A Surge In Insolvencies?
It\’s been observed that there\’s a rising trend in the number of insolvencies, with experts predicting it may continue in the foreseeable future, primarily due to the Bank of England\’s increased interest rates. In September, we noted a 17% increase in insolvencies from the previous year, totalling 1,967 company insolvencies. This figure surpasses levels observed […]
How Parents Can Save On the Costs Of School Uniform
Love it or loathe it, in the UK, it looks like school uniform is going to be a fact of life for the foreseeable future. That means parents are going to need to find a way to pay for it. Here are some tips to help. Know the law In England, the law now forbids […]
Unusual ways to make money
Saving money is all very well but you have to make it first. If you’re in employment, probably the most obvious way is to try to increase your income from that. If you’re not that’s not possible, then you’ll have to look at other options. With that in mind, here are some suggestions for unusual […]