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Credit ratings are a funny thing. We don't ask for them, but our lives can be judged by them. Everything we do financially either helps or hinders our credit scores and the things we do or don't do can have a big impact - sometimes there and then, but often years down the line. Building your credit the right way can really help.

Having a low or non-existent credit rating puts you in a vicious circle - you can't get credit to build your score, but you can't build your score without credit. Though there are ways and means to change that, as with most things that are worth doing, it can take time to build credit, as well as a bit of effort and a lot of patience. 

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Utility bills in the UK are going to increase. It's difficult to know if you have the best deal, and at times you may wonder if changing energy providers is going to help you at all. The UK's average electricity bill works out at around £58 a month, and the average broadband bill is around £30. People are paying £56 for gas too. If you believe that you are paying more than this then this could be a sign that something needs to change.

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If you want to take out some kind of insurance policy, then it helps to understand what insurance policies are available.  We take a look at the most common insurance types and how to get the best deal.

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Choosing loan providers can be a tricky task. Which is why we've written this concise list of relevant and reliable loan providers, including their interest rates and whether they conduct credit checks.

Continue reading "Our Handy Guide to the Top UK Loan Providers (inc. Interest Rates and Credit Check Requirements)" →

If you have never thought about buying a car before then now's the best time for you to change that. Buying a car can be a fantastic experience and it is also a great way for you to give yourself a new-found level of freedom too. If you need a little extra push, then here are a few reasons why you should own your own car.

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The words 'tax cuts' are often used in everyday politics to get voters on side. But while they sound good--no one wants to pay more tax, so a 'tax cut' is good, isn't it?--depending on where you sit on the scale of personal earnings, the words can have very different meanings to different people. So how do tax cuts affect your finances?

Continue reading "Tax Cuts – How Do They Really Affect Your Finances?" →