It’s Not Too Late to Save Money in Time for the Holidays

Fourth quarter marks the end of the year, but it also brings the brisk consumer spending season spanning October through December. Among the extraordinary costs incurred during this period, holiday spending leads the way, prompting many UK consumers to drain their banks accounts and then reach for plastic, to carry them through the holiday season. Holiday spending captures a wide range of expenses, from food and entertainment, to travel and presents for friends and family members. With so many demands pulling at fourth-quarter budgets, navigating the holiday spending landscape is challenging for cash-strapped British families – particularly those without substantial savings in reserve. The bad news for individuals unprepared for… read more >>

House Renovations That Add Substantial Value

There is more than one way to climb the property ladder. With any luck (and the help of a sizable loan), you’ll one day join the ranks of UK property owners. But what’s your next step, on the way up the ladder? Each case is unique – financial decision-making is highly personal, based-upon your personal preferences and financial goals. Your age, earnings, and mobility also play a role, shaping your possibilities for property ownership. Your first property purchase may indeed be your dream house, providing a life-long home. But if you intend to move one day – whether sooner or later, it’s important to look at your house as an… read more >>

Steering Clear of Financial Fraud and Scams

Fraudsters don’t seem to take a day off, so scams are on the up, catching some unsuspecting Britons off guard. It isn’t a question of whether or not you’ll be exposed to some type of fraudulent activity, rather when it will happen – and more importantly, how you choose to respond when the time comes. Falling victim to a financial scam can have catastrophic consequences, rippling beyond a one-time financial loss. In addition to conning you out of your money, scams may also result in credit damage. Restoring your credit rating after financial fraud costs time and investment, adding to the worry caused by finance scams. Despite consumer warnings and… read more >>

How to Save Money Whilst Doing Your Part for the Environment

Personal values provide the basis for wide-ranging human behaviour. Consumers committed to equitable labor practices, for example, may choose to buy their coffee from a particular vendor, because that seller shares the same commitment to fair trade. In another example of the way individual concerns guide outcomes, parents may decide to send their children to an educational institution that embodies or reflects their social or religious values. At the same as values and preferences shape human decision-making, money also weighs heavily on personal outcomes. Despite their commitment to various causes and individual values, financial realities commonly mitigate personal behaviour, prompting people to make decisions reflecting what they can afford. When… read more >>

4 Ways to Boost Your Savings

Comprehensive money management requires attention on several fronts. Not only are you responsible for monthly money matters – bills and recurring payments, but you must also account for savings, investments, and unexpected expenses. Consistently tending to all your financial responsibilities requires discipline and commitment to your long-term financial health, as well as the ability to establish and execute priorities. Personal financial resources are limited, so you must identify spending priorities and effectively allocate your income. Unfortunately, when spending demands don’t leave you with an adequate financial surplus; savings may suffer. Small loans are a valuable resource, providing quick cash for unexpected expenses and short-term spending shortfalls. Paired with a well-funded… read more >>