How Can I Avoid Credit Card Charges? Credit cards can be an extremely convenient way of managing your finances. They are a safer alternative to carrying cash, they can help build your credit rating and – if you know what you’re doing – you can take advantage of interest-free periods. But it’s essential to be aware of the different fees and charges that you could fall foul […]
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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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How Do I Make an Insurance Claim? If you have accurate details and provide everything your insurer needs, then making an insurance claim should be straightforward and hassle free. We should all take steps to keep our documents and paperwork in order so that we are equipped with all the relevant information if and when
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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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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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Until relatively recently, if your child was under 11 and you wanted to start teaching them about banking and managing money your options were pretty much non-existent. However, the past few years has seen pre-payment cards grow hugely in terms of functionality and popularity, and there is now a good selection of providers and schemes
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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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