What’s the Best Way to Budget Money? Managing your personal finances can seem like a daunting prospect, but getting on top of your money and learning how to budget more effectively can have a hugely positive impact on your life. Not only will you feel more in control of your bills, you could save money […]
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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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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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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Unless you can pay back a payday loan on time and in full, you could find the debt very quickly escalating as they are an extremely expensive way to borrow. How Does A Payday Loan Work? Payday loans are short-term loans originally designed to tide people over until payday. The money is paid directly into
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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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As of January 2020, the government has launched a new scheme that changes the way people are paid for generating renewable energy. Previously, households who had solar panels fitted benefitted from a feed-in tariff (FiT) which gave them two streams of income from the government: a ‘generation tariff’ which paid customers for all the electricity
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A smart meter is a device installed in your home that measures your electricity and gas usage and its cost. Having one installed could reduce the cost of your energy bills by giving you access to the cheapest tariffs, as many of the best deals now require you to have a smart meter in your
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Not only could switching your bank account give you access to products and services that better suit your needs, you could actually save money and even benefit from a cash reward. Nowadays, the process of switching is easier than ever, and could take as little as seven days. Why Should I Switch? You might find
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