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Personal Finance Tips

Special Tips About Payday Loans And When To Use Them

April 14, 2014

Payday cash advances should not be taken out lightly. Invest some time in researching the companies and the loans offered. By doing your research first, you will know exactly what you are doing. Keep reading for more information about taking out cash advance loans. Keep in mind that the typical payback time for payday cash […]

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Payday Loans: General Information, Pros, And Cons

November 3, 2012
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UK consumers who need a short-term loan that they can repay with their next paycheck are finding this in payday loans. They can borrow approximately £50 to £1,500 and use the money as emergency cash. These are not the loans cheapest on the market but are instead intended for short-term borrowing. The interest rate is […]

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Tips For Accomplishing Efficient Fast Cash Loans Online

July 4, 2012

There can be no denying that fast cash loans are a good solution to almost every financial emergency need.  Even when there may be a negative notion of “owing money” to some lending institution, there is that guarantee that it won’t be that difficult to pay back the loan. This is one of the kinds […]

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Beware Of Short-Term Lending Telephone Fraud

May 22, 2012
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Lending Stream, an online UK provider of payday loans and other short-term financing, is warning consumers about telephone callers impersonating loan company representatives. The company recently received reports of telephone fraud within the industry. Tricksters are calling UK families at random and posing as staff of legitimate UK lending companies. After offering loans of as […]

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If Borrowing Is Inevitable, Be Smart About it

April 23, 2012

Unless you have received a financial windfall, you will probably need to borrow money at some point. Homes, higher education, and even automobiles are expensive these days and most people cannot afford to pay for them with cash. Whether or not to borrow is no longer the question. It is about learning when the time […]

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Taking Advantage Of UK January 2012 Sales

January 5, 2012

What were once post-holiday sales have now been transformed into January 2012 sales. Stores are trying to sell off their 2011 stock and are doing it at deeply discounted prices. Head out to high street and jump online this week to take advantage of these great deals. But, spend wisely because a shopping spree is […]

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Pensioners Face High Prices Coupled With Large Debts

August 26, 2011

In the Yorkshire area, an increasing number of pensioners are finding themselves squeezed between increasing prices and high repayments for debt. The Yorkshire Post obtained statistics revealing the amount owed by pensioners seeking advice from a debt charity. For loans, credit cards, and other unsecured credit, the figure averaged £19,758. Fifty-one percent of Yorkshire pensioners […]

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Consider Group Buying Deals For Financial Savings

July 14, 2011

According to recently published research, it costs more than £5,000 more per year to live alone than with another person. This substantial gap is increasing due to the rising cost of food and increases in electricity and gas prices. Housing Minister Grant Shapps recently encouraged lenders to provide mortgage deals to groups of people pooling […]

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How To Tell If Your Spouse Is Hiding Assets

July 4, 2011

Relationships are characterized by disclosure but some also contain secrets. On a regular basis, the media exposes tidbits that high-profile couples attempted to hide from each other. One thing that is very easy to keep from a spouse is an asset. This is especially true when one person handles all the finances and the other […]

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Ways To Avoid An Energy Budget Crunch

June 29, 2011

If you have £175 in your account, you can buy quite a few things. This money can also be spent on the home fuel bill. The only difference is nothing will be received in exchange. The typical home fuel bill is anticipated to increase by this amount, with UK consumers receiving no extra gas or […]

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Managing Finances For UK Expats Moving To France

June 5, 2011

France is the closest country to England, with 20 English Channel miles separating the nations. As of year ending March 2010, over 20,000 UK nationals emigrated to France. Even though these countries are near each other and are both members of the European Union, planning is required to make the move smooth. Opening a French […]

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What Happens to Your Loans Debt If You Die

June 1, 2011

This is a question that concerns many family members when someone passes and they realize the deceased was floating in a sea of debt. In most cases, this will not affect anyone else involved, but there are some exceptions. Any debt that is incurred solely by the individual will be dismissed with a person’s death. […]

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Lending to Friends and Family Is It a Good Idea

May 28, 2011

There is an American proverb that reads, “Before borrowing money from a friend, decide which you need most.” The general advice we receive regarding lending money to friends is not to do it. While some of us have responsible friends who will repay the money in a timely manner, others of us may find ourselves […]

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How Much Pocket Money Should I Pay My Child

May 26, 2011

Kids cost us in more ways than one. With so many more outlets to spend money, it is no wonder kids want some walking around money every week. The answer to this question will often lie in how much the parents themselves have to spend and how much responsibility they want to teach their child. […]

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Is a Bond Better than a Bank Account

May 26, 2011

This is one of those questions where the answer is dictated by the investors needs. In this case, are you sure you will not need the money for a specific period of time? If the answer to that question is yes, then the bond is the far better deal. Standard savings accounts pay a very […]

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Where Can I Put My House Sale Cash

May 23, 2011

We are going to make the assumption here that the money being saved is for a future purchase. Your concern of having the money protected at all costs is understandable, as you want to make sure you are able to purchase a home when you finally find the right one. Other than putting the money […]

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Why Are Grandchildrens Savings Taxed

May 23, 2011

If you have not learned by now, the Tax Man always gets his share, regardless of whom it is coming from. Even if you opened up the account for your grandchildren, earnings are taxable, regardless if the person who opens the account of the beneficiary of the account is required to pay taxes. The silver […]

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Charged Twice for £150 ATM Withdrawal

May 23, 2011

Having funds deducted out of your account that you never received is an obvious problem that nobody wants to be faced with. There are several things that could have happened here, but ultimately the bank will have the final decision on what is being done to rectify the situation. All ATM machines are monitored with […]

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Do We Pay Tax on Joint Savings Accounts

May 23, 2011

The answer to this question will depend on the taxpayer status of both depositors. Unfortunately, unless both depositors are non-taxpayers, there is no way to avoid paying the taxes on the savings accounts. As always though, there are options available. The first alternative is a fairly obvious one in that the funds should be deposited […]

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Children Now Costing Parents More As Adults

May 21, 2011

More and more children are remaining financially depending on their parents well into adulthood. Though parents in the UK (and everywhere else, for that matter) love their children, this prolonged monetary drain is beginning to worry them. Many parents learned from the school of hard knocks and they know how hard that is so they […]

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Even The Financially Aware Can Fall Victim To Loan Scams

April 19, 2011

The sad truth is that there are con artists throughout the globe. Recently, the spotlight has been on New Zealand, where some high profile businesspeople were duped by scammers dangling too-good-to-be-true investment opportunities. In that country alone, 400 reports of such scams have already been made this year. Some scams come in the form of […]

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Boost your nest eggs 25 ways to do it

April 18, 2011

If you’ve got cash in the bank you’re in a fortunate position as there are many simple ways to help it grow. Despite the economic downturn, not everyone is struggling to make ends meet. And even a small amount of spare cash could be sufficient to really help it go further. There are endless ways […]

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Earn More Cash In Ten Easy Steps

April 14, 2011

Although the recession is thankfully behind us, the effects are still being felt, with many households feeling the pinch. But no fear, there are many ways to get your hands on a little extra cash which can make a real difference. Try one (or more!) or these great little earners to make some more money […]

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How To Beat The 2011 UK Budget

March 30, 2011

With the new budget in the UK comes additional burdens on the pocketbook. First time homebuyers and motorists will feel some relief but millions of people face increasing living costs. If you are one of them, a simple review of the household budget and some smart shopping can save you up to £2,500. A mortgage […]

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UK Homeowners Should Carefully Review Their Finances

March 28, 2011

With the March budget comes some desired relief for families with low incomes. However, many homeowners in the middle-income bracket face higher living costs, no wage increases, and the potential for mortgage rate hikes in May. Atlantic Financial Management (AFM) is one company advising that UK families conduct a full financial assessment to make sure […]

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UK People To Save More Due To Tax Increases

March 26, 2011

In April, several reforms to benefits and tax take effect in the UK. The Institute for Fiscal Studies reports this will have a negative effect of £200 on the average UK household. This is in addition to the £480 cost resulting from the January 2011 increase in VAT. Consumers should start saving now so they […]

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Instant Personal Loans Provide Immediate Help

March 15, 2011

When people need money immediately to pay unexpected bills, they often need to ask friends or family members for temporary loans. This can be embarrassing, especially if the individual does not have a close relationship with these people. It requires revealing information of an extremely personal nature, which many people do not feel comfortable doing. […]

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More People Looking For Mortgage Loans As Housing Prices Decline

March 2, 2011

Housing prices in the UK fell through last year and are expected to decline further during 2011. This is good news for anyone interested in purchasing a property. The problem is that due to the financial crisis, many do not have the extra funds. Others who do are finding it difficult to get mortgage loan […]

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Should Any Considerations Take Place Before Applying For A Loan

February 28, 2011

Applying for a loan should not be something that people enter into haphazardly. Anyone who plans to use a loan to consolidate debt or fund a large purchase should consider several factors before completing a loan application. When these are taken into account, the best loan can be found and the entire process will be […]

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How To Consolidate Bad Debt

February 25, 2011

Debt is not something most of us wish to have but once we do have it, we need to deal with it. As time passes, the debt mounts, so it is important to immediately address the issue. There are loans available that assist with consolidating debt and these remove the need to deal with of […]

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Is There Really A Scheme To Get Government Loans Canceled Or Is It A Scam

February 7, 2011

In the UK, government loans are offered by over 100 lenders. The money is available to those who are self-employed, in the forces, in a housing association, or for semi-commercial purposes. Whether an individual has excellent or poor credit, a personal, secured, remortgage, or debt consolidation loan can be found. One of the most popular […]

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How Can I Find Out If I Owe Money To The Student Loans Company

February 7, 2011

By taking out a student loan, individuals can pursue their dreams of higher education. During the course of study, the student receives funding to pay tuition and/or living expenses. This money does not need to be repaid until after graduating when the student has obtained a job. However, at any point in time, individuals may […]

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Should I Put Money Loaned To My Company Through My Personal Tax Return

February 7, 2011

If you are a director or participator in a limited liability company and take out money not considered a dividend or salary that exceeds any money you contributed, you have received a director’s loan. This loan has various Corporation Tax implications. When this account is overdrawn, the company must pay tax on any amount not […]

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More Than 120 MPs Promoting Mandatory School Age Financial Education

February 3, 2011

On Sunday, an All Party Parliamentary Group (APPG) on Financial Education for Young People was launched. This is one of the largest APPGs in history, with more than 120 MPs joining the fight. They are promoting compulsory education in schools regarding debt, finances, and money usage. This APPG is a result of the increase in […]

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Increased Protection For UK Mortgage Borrowers

February 2, 2011

The Treasury announced new regulations on Wednesday that mean good news for mortgage borrowers. The Financial Services Authority will assume second charge mortgage regulation from the Office of Fair Trading. First mortgages are already controlled by the FSA and by controlling second charge mortgages, the agency can make standards consistent and simplify regulation. A second […]

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What Would Happen To Our Economy If Everyone Stopped Paying Loans and Mortgages

January 26, 2011

Many people consider their loan and mortgage payments to be an enormous financial burden. In some cases, they think about ceasing to make these payments and wonder what would happen if everyone else followed suit. Would the world survive and revert to a barter economy or would the result be disastrous? We have only to […]

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8 Easy Ways to Get More at Christmas from Your Money

January 19, 2011

8 Easy Ways to Get More at Christmas from Your Money You will be able to save more if you start saving early this year. Given below are top 8 tips that will help you get more this Christmas for less: 1.    Plan Clearly How You Will Pay for Your Purchases If you purchase things […]

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How to Calculate the Actual Cost of Your Overdraft

January 12, 2011

With so many banks today charging extra for using the overdraft facilities, it would be very important for you to find the actual cost of using an overdraft facility. While it may be very convenient, using your overdraft for just a couple of days will mean that you will have to pay heavy fees that […]

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How and Where to Complain about Financial Services

December 30, 2010

How and Where to Complain about Financial Services If you think that you have been mistreated by an insurance company or a bank then it is time for you to ensure that you complain is heard. If you have suffered a monetary loss because of the unfair treatment of insurance agency, a bank or any […]

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