When money’s tight we tend to look at ways to earn more of it – selling unwanted clothes, getting a second job or asking for a rise at work. In fact, simply spending less could be a far more straightforward way to get our finances back on track.
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Few people enjoy the weekly food shop but rising prices are making it more painful than ever. The average annual grocery bill is set to balloon by £380 according to June 2022 forecasts from data firm Kantar, which monitors the shopping habits of 30,000 households across Britain. This figure is already more than £100 higher than the company’s previous projection, reported in April. Among products seeing the sharpest hike in prices are essentials like butter, milk and dog food.
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There has always been a high demand for quick loans and other forms of credit that are easy to obtain. Perhaps it is the idea of completing lengthy forms that are off-putting. Or maybe it is the long wait for checks and searches to be completed without knowing whether you will be approved or not. Such terms like "loans with no credit checks", "guaranteed approval", and "short term loans for bad credit" may look appealing - but there is a danger.
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Has your credit score gone down and you’ve been unsure why? Perhaps you’ve applied for credit and decided against borrowing, without realising this could still have an impact on your credit history. It’s important to understand the checks lenders will do against you and how they can affect your credit score.
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Credit cards, when used correctly, offer convenience. They also provide purchase protection and perks like cashback and rewards points. But, as with so many credit products, there are risks. And a less well-known "risk" is using credit cards for cash advance. If you have a credit card and you're not sure what's a cash advance, you may want to read on.
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Are you and your partner looking to move in together and thinking about how to manage your finances? Or perhaps you're looking for a way to reassess how you currently manage your joint outgoings? We’ve put together this quick guide to help you manage your shared finances effectively.
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So you've got a great idea for a new business and, thanks to part one of starting a side hustle in 2022, a fair understanding of what it will take to get your venture off the ground. But what if you don’t have the money?
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As the cost of living crisis starts to bite, more and more people are looking for ways to beef up their income to cushion against rising prices. With the squeeze only set to get worse (the Bank of England has forecast that inflation may rise into double figures later this year), and UK wages failing to keep up, taking on freelance work or starting a business at home are well worth exploring.
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