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You browse social media every day. You use it to find out the latest news, check in to see what your friends are talking about, stalk celebrities, and post pictures of your lunch. Yet have you ever thought about using social media as a way to make money?

It might not seem like the most obvious route to earning a living, but plenty of people rely on social media to pay their mortgage, finance holidays, and keep their car on the road. Plus, certain individuals are earning millions every year due to harnessing the power of YouTube, Twitter, Instagram, Facebook, and everything in between.

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A positive credit score is an important asset for the vast majority of people. After all, this score is used by lenders to determine if they should provide the requested financial amount to borrowers.

This isn't just when you apply for a credit card. Your credit score number is also used by mortgage bankers, car dealers, payday loan companies, and other lenders to determine if you're a suitable applicant or not. Only when successful will they settle on the amount they are willing to loan you, plus their specific terms and interest rates. Everyone from landlords to insurance companies can also analyse your credit score for a greater idea about your financial responsibility.

Continue reading "5 Biggest Factors that Affect Your Credit Score" →

Forget about storing your money in a piggy bank, sock drawer, or under the mattress. Although these are suitable options for keeping your cash stored in a convenient place, they're not going to earn you any extra money from your savings. This is why you need to secure the best bank savings account.

For those unaware, a savings account is a bank/building society account with the purpose of earning you interest on the money you put in. For example, say you deposit £1,000 into a savings account with 3% interest, by the end of the first year you will earn £30 to give you £1,030 in total. This isn't a lot, admittedly, but it can quickly accumulate. Plus who doesn't love free money? Simply put, the more you put in, the more you're going to receive.

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For many, the events of 2020 have provided a different viewpoint on day-to-day life. Aside from having to change routines such as working from home and not being able to go to the pub, it has forced people to alter their spending habits.

Redundancies, furlough, and other restrictions have all played their part in causing plenty to re-evaluate their finances. Yet even if people are earning a wage as normal, they can be placed into 'forced spending'. This means they cannot splash the cash as they normally would, resulting in them saving money during the current pandemic.

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You want to save more and spend less; everyone does. Yet when you factor in the reality of day-to-day life, keeping your personal finances under control isn't an easy task. Not only can it be difficult to find the time or motivation to organise your money, but bills and other expenses can quickly decimate any saving efforts.

Continue reading "Best Budget Apps for 2021" →

Are you facing a mountain of debt, and aren't sure what to do?

You're not alone - debt is crippling the British financial system, and with the recent developments with the COVID pandemic, things are looking quite bleak for everyone. With millions out of work and jobs hard to come by, debt is, unfortunately, something we may all need to live with going forward.

Continue reading "Creative Ways to Get Out of Debt" →