Should I Insure My Gadgets Separately? If you have more than one or two gadgets you need to insure, a multi-gadget insurance policy could save you money and work out to be a more cost-effective option. It’s definitely worth looking at the costs of having separate policies for your gadgets versus a multi-gadget policy. Most […]
How Does PayPal Credit Work? In the words of the payments provider themselves, PayPal credit is “like a credit card, without the plastic”. Essentially, the scheme provides you with a credit limit, linked to your PayPal account, which you can use for online purchases and pay off within a set period without incurring any interest.
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How Can I Save Money on Childcare? Any working parent knows that childcare costs can soon rack up to thousands per year, but many aren’t clear on the help that is available towards these costs. This guide aims to explain the different options available to help working parents with childcare costs. Free Childcare for Three and Four-Year-Olds In
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Can I Get A Guarantor Loan? A guarantor loan is essentially an unsecured loan for which someone else is responsible if you cannot keep up your repayments. They are typically associated with ‘bad credit’, because people who have adverse or no credit history are more likely to be accepted as the lender’s risk is reduced. Who Can Apply? If you have poor credit or no credit history and are struggling
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How Do I Get A Mortgage If I’m Self-Employed? If you are self-employed, you can still secure a mortgage to buy your own home, but you need to be clear on what information a potential lender will be looking for. The key factor is that since 2011 it has no longer been possible to acquire a ‘self-certification’ mortgage, so you will have to prove how much you earn.
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Pensions for the Self-Employed Preparing for retirement is just as important for the self-employed, but it can seem like a daunting prospect without an employer to guide you as to which pension scheme to pay into, or if your income patterns are irregular or erratic. While you’ll be entitled to the state pension, on its own this is unlikely to be
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Understanding Home and Contents Insurance No matter what kind of property you live in, it’s essential to make sure you have insurance in place to protect your home and its contents. With the right cover you’ll have the peace of mind of knowing that your building and possessions will be covered in the event of
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Do I Need Mobile Phone Insurance? Investing in insurance for your mobile phone can give you peace of mind and save you hundreds of pounds if it gets lost, stolen or damaged beyond repair. Yet many of us don’t know where to start when it comes to narrowing down the array of policies on offer.
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What Is an Overdraft? An overdraft is, effectively, an agreement with your bank that you can spend more money than you have available in your current account, up to an agreed limit. This debt is known as an overdraft facility. You pay interest on the amount of money you borrow, along with other interest and
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Whether or not you need business insurance depends very much on the type of work you do, where you do it and whether you employ other people. Working from Home If you run your business from home, it’s important to talk to your current home-insurance provider to find out if you are covered. Generally speaking,
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