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Welcome to our blog

Is It Possible To Live Without Credit?

The idea of living without credit (or no debt), is very appealing. Imagine having no monthly repayments and only spending what you earn? But how realistic is it really to live in the 21st century without any credit?

How does health insurance work?

Private health insurance is designed to offer medical treatment, surgery and tests alongside the services that the NHS offers.

How a money transfer credit card works

A money transfer card allows you to move money into your current account from a credit card. It’s a popular way of paying off existing debt or borrowing money for a large purchase. Many people compare them to balance transfers but there are lots differences you need to know about.

How a purchase credit card works

Credit cards are traditionally used for buying goods or services online or on the high street. Each month, you must pay a minimum amount of your balance and if you don’t clear your balance, interest will be charged.

6 reasons to choose a loan instead of a credit card

It’s likely that you’ll have to borrow money at some point in your life, but whether you need funds for a new car, holiday or home improvements, should you choose a credit card or a loan? We’ve rounded up the 6 best reasons why a loan might be the best choice for you.

10 ways to avoid financial fraud

Financial scams are now more intelligent than ever before and it’s important to understand that it’s not just the elderly and vulnerable people that are targeted. In reality, it’s very easy to become a victim but the best way to prevent financial fraud is knowledge.

5 steps to switching energy provider

If you’ve never switched utility providers before, you probably think it’ll be a long and confusing process. But in reality, it’s simple, quick and anyone can do it.

4 Tips to Maximise Your Savings

Having some back-up cash in your savings can make you feel a little more secure in life. We all know how hard it can be to put money away though, especially if you often get to the end of the month without much left in the bank. Our tips will help you top up your savings and make the most of the money you do have.

How Bank of England base rate increases could affect you

The Bank of England’s base rate is the rate of interest we pay on the reserves held by banks at the Bank of England. Banks normally pass this rate onto customers, which affects the amount savers earn and borrowers pay.

12 steps to slash your car insurance premiums

Whether you’re male, female, young or old, car insurance premiums can be a huge expense. Instead of allowing your insurance to auto-renew every year, a few simple factors could potentially save you hundreds of pounds.

How a balance transfer credit card works

A balance transfer is when you move debt from one credit card to another. For example, if you’ve got multiple debts spread around, by paying them off with one card, you’ll reduce interest payments and can focus on paying one debt off.

Getting A Mobile Phone With a Poor Credit Rating

Mobile phones are really important, right? We use our mobiles all the time (stats from 2017 found that millennials check their phones up to 150 times a day). Often our whole lives are stored on our phones. Our contacts, our photos even our text messages are all part of our personal history. Without a decent phone, it feels like we can’t fully participate in the world.