Can’t Afford To See A Doctor?

Almost 1 in 4 Americans claim to have put off a visit to the doctors due to the cost. For many, this is a result of not having health insurance or any other benefits put in place. Skipping medical care can have many negative consequences, often allowing minor health problems to get worse until treatment becomes urgent and more risky (and a lot more expensive). You may think that you’re saving money now, but you Read More

Improving Your Credit Score In 2021

Many people start the year with goals. If you’re on a mission to improve your financial situation in 2021, achieving a better credit rating is an excellent place to start. In this guide, we’ll explore some simple steps you can take today to increase your credit score in the months ahead. What is a credit score? A credit score is a rating, which is used by financial providers and lenders to gauge the level of Read More

5 Ways Working From Home Will Save You Money And 5 Ways It Could Cost You More

During the pandemic, many of us have experienced drastic changes to our lifestyle which will impact our yearly budgets. In 2020 many businesses had to adjust to remote working. For employees who have begun to work from home, there are many benefits. The flexibility offered by home working and the lack of a daily commute is appealing to many. However, there are drawbacks too. The separation between work and home life is blurred, and the Read More

Making Wise Financial Decisions During the Pandemic

The pandemic has been pretty hard on most of us financially. Between job loss, redundancy and reduced working hours or pay, many of us are finding ourselves struggling. Whether that’s involved dipping into savings, taking out debt or simply living without much disposable income, it’s important to remember that you’re not alone and there are a number of things you can do to help yourself out of this pandemic with minimal debt. This, of course, Read More

How To Pay Off Your Mortgage Early

Lots of us dream of living mortgage-free, and paying your mortgage off early could help you to provide you and your family with financial stability. If you can pay it off early, you might also be able to save yourself some money in the long term by accruing less interest. Here are a few different ways that you could use to pay off your mortgage faster.    Refinance Your Mortgage If you notice that interest Read More

Bad Reasons To Refinance Your Mortgage

Mortgage refinancing can be a smart financial decision, but it’s not always the best idea, even if mortgage rates are low and you know that your friends and colleagues have been able to secure lower mortgage rates. This is because refinancing your mortgage can be a very time-consuming process, expensive to close, and will mean that your mortgage lender will pull your credit score.  Before you start on the long process of gathering all of Read More

Simple & Affordable Ways to Renovate Your Home

If there has been any sort of positive that has come from this pandemic, it’s that all of the extra time being stuck at home has allowed us to do more home renovation projects! I have also discovered that not all house renovation projects have to be super timely or expensive. There are so many simple and affordable ways to bring back life to a room, or give a new look to your bathroom. Here Read More

Easy Ways to Cut your Expenses Significantly

A lot of people are not willing to cut expenses purely because they believe that it is too difficult. This is not the case at all, in fact, it’s more than possible for you to save a small fortune by simply making a few changes to your life. If you want to find out more about how you could do that then simply take a look below. Track Your Spending Habits The first step would Read More

Improving Your Chances Of Getting A Mortgage

Putting yourself in the best possible position for a mortgage is important as you want to be offered the best rate possible. Not only will getting a better rate save you money, but it could also reduce the length of time you are paying it back, lower the interest rate you are paying on the load and potentially allow you to borrow more money. There are several ways you can improve your chances of getting Read More

How To Reduce Credit Card Debt

Credit card debt can be hugely problematic. Although it might seem like a good idea at the time, once you have made your purchase, you’ll be stuck paying the balance for an age, sometimes a period that adds up to decades depending on your minimum payments and your interest rate. This can be a real burden, especially when often you won’t even be able to remember what it was you bought. All you know now Read More

How To Make Sure Your Family Feels Secure

When it comes to your family, you are always going to want to make sure that you’re able to provide for them and keep everyone safe and happy. No matter what walk of life you are from, you will want to make sure that you are doing your very best. As much as we all struggle and go through hard times, can experience depression and find life hard, happiness is always a good goal to Read More

How to plan financially for your kid’s future

Settling down into your idyllic first bought home (not renting makes a nice change!) with your family is the dream that you cannot wait to turn into a reality. So, when this occasion eventually happens you get so caught up in organizing where your new furnishings will go and what color to paint your baby’s room that you will probably cast aside boring tasks such as planning your future retirement plan. The future starts now Read More