Many people think financial planning is really only for those people who have an awful lot of money that needs to be managed. That, however, is not the case, everyone - individuals, couples and families - can benefit from a financial plan, even if their income is
How to Help Your New Spouse Rebuild Their Bad Credit
The day you got married was great. Now you are looking forward to a very rosy future with your new spouse. However, something someone said at the reception on your big day has stayed in the back of your mind. Uncle Fred said your new spouse's bad credit was really going
Get Fit on a Budget – Getting in Shape for Less
You've made a promise to yourself to really work on getting fit this coming year – preferably before it’s time for your bigger summer holidays - but your wallet can't quite cope with the extra strain that an expensive gym membership or sessions with a pricey
Help! Why Don’t I Have a Credit Score?
You want to apply for a credit card, or a store card. Or you are thinking about taking out a small loan. You know that a credit score will be important, so you check yours. And lo and behold, you don't actually have one! Finding out you don’t have a credit score can
How are Credit Limits Computed for Individual Cardholders?
Have you ever wondered just how your lending institution computed your credit card limit? Or what you can do to convince them to raise it? The answers are a little more complicated than you might think. The fact is that most consumers have, at one time or another,
The 50/20/30 Rule – The Less Painful Way to Stick to a Sensible Budget
Budgets are terrifying. There. We said it. If you are like most people, whenever it's suggested you make - and stick - to a budget your mind immediately begins to panic “Don’t worry beer money. I won’t let them get you. Nandos, don’t look at them and maybe they
Small Cash Loans – Where Do You Find Them and Are They a Good Idea For You?
There are many different kinds of loans. Large loans - mortgage loans and car loans - are a big undertaking that requires a lot of thought, a fairly long application process in many cases and a good credit history. There are plenty of times though in life when a small
How to Save Money on Your Weekly Food Shop and Still Eat Well
The weekly food shop. Yes, we say it's a pain, but once we get to the supermarket and start strolling the aisles you have to admit, as chores go it's not that bad. All that food! All those drinks! Look, they're making a new cereal with marshmallow bits and fruity pieces
The Truth About Money and Relationships
Money, for better or worse, plays a big part in romantic relationships and all too often it becomes the thorn in the side of an otherwise wonderful coupling. It doesn't have to be that way though. If you resolve to work together towards financial stability rather than
Stay Out of Debt and Protect Your Credit Score by Treating Credit Cards like Charge Cards
Changing the way you use your credit cards can be the easiest way to avoid amassing unmanageable credit card debt. Treating them as if they were charge cards is a great place to start. The terms credit card and charge card are often used almost interchangeably these