A Crunched Christmas Gift Ideas: Create Your Own Experience Topic: Money Management Companies like Red Letter Days and Virgin's Experience Days have become increasingly popular as gifts. If you're unfamiliar, these companies basically offer experiences – such as driving a rally car or a wine tasting afternoon – all wrapped into one neat, gift-sized bundle.
Posted: 3 weeks 4 days
Talk About Saving – Let’s help each other save Topic: Money Management If ever there was a time to save as much cash as possible it is now. It is also one of the best times to save money because businesses are feeling the squeeze so there are great deals around. You just need to know where to look. For example, Tesco have just sold cases of Carlesberg larger for £5 (saving £9.99 per case)!
Posted: 12 weeks 1 day
A Crunched Christmas: Buying Gifts Topic: Money Management A recent study by Halifax revealed that the average shopper spends £384 on gifts – and gifts alone – at Christmas, a figure which is nothing short of astonishing. Now with the economic crisis upon us, it's more important than ever to try and slash that figure – while still giving good quality gifts that will be treasured for years to come.
Posted: 3 weeks 4 days
The Best Tool for Paying Off Debt Topic: Money Management If you think back to how you got into debt and why you can’t seem to get out of it, I bet both answers stem from the absence of one thing – a budget. A lot of people hate the word “budget” so I’m going to try to use it a lot to get you comfortable with the thought of having one.
Posted: 3 weeks 4 days
What you need to know about APR Topic: Money Management APR stands for Annual Percentage Rate. It’s a formula set by the Office of Fair Trading and ensures all published APR are calculated in the same way.
Essentially an APR tells you how much interest you will pay on a loan in a year. It can be used to work how much the total cost of a loan will be. It helps you compare one loan or credit card against another.
AER and why it's important for savers Topic: Money Management AER stands for Annual Equivalent Rate. It is important if you’re a saver as it tells you the amount of interest you’re going to be paid on your savings. When it’s calculated it assumes that you will leave money and interest were left in the account. This is useful when comparing one savings account against another.
If you know of any great deals around at the moment let us know.
Posted: 9 weeks 21 hours
The Anatomy of a Self-Destructive Attitude Towards Money Topic: Money Management For the most part, debt isn’t something that just happens by mistake. There’s something you did or didn’t do that brought on the debt. If you want to get out of debt and stay out, you have to take a look at what caused you to get into debt in the first place.
A New Year, A New Way to Think About Debt Topic: Money Management I’m on the fence about New Year’s Resolutions. A lot of people make vague and lofty resolutions, and then forget about them by the end of January after seeing little or no progress made. If people made better resolutions, they’d be better able to keep them.
Consider this New Year’s Resolution: I want to pay off debt.
