Using Credit

Where to get free debt advice

If you find yourself struggling with your debts then you probably need some help and advice. Rather than respond to an advert for a payday…

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How to check your credit report in 5 mins

One task everyone should perform once a year is to check their personal credit report. What you need to do TIME NEEDED – LESS THAN…

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Best 0% balance transfer credit card deals

The best 0% balance transfer credit card deal The table below gives a roundup of the best 0% balance transfer credit card deals available now….

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How to improve your credit score quickly

In this article I explain how your credit score works and the steps that you can take to improve it as quickly as you can. Improving…

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Money tip #73 – Start ‘big picture’ budgeting

The fact is if you want to manage your finances you will eventually have to budget to ensure that you are living within your means….

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How to manage your finances and what you should focus on first

When it comes to managing your finances and improving your financial wellbeing, the toughest and perhaps most important part is admitting that you need help…

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What to do if you are struggling to pay your council tax

According to data published in 2017 by the Ministry of housing, communities and local government (MHCLG), council tax arrears totalled 2.8 billion. With rates set…

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The 5 simple steps to clear your credit card debt

1. Pay off debt with savings If you have credit card debt and are still saving you are effectively paying to save. You are getting…

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7 signs you are living beyond your means

Most people who are living beyond their means don’t realise until it’s too late.

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Remortgaging to consolidate debt – Is it really a good idea?

Most people associate remortagaging with securing a better interest rate for their monthly repayments or releasing funds for home improvements, but it is also possible…

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