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Finance

Mortgages: Short-Term Or Long-Term

It’s easy to be overwhelmed by the sheer number of mortgage products available. The trend towards offering non-traditional mortgage terms doesn’t help when you’re trying to decide which loan is best. Banks and building societies are increasingly offering longer-term mortgages lasting 30 or 40 years alongside the ‘standard’ 25-year term with which many of us […]

Open Banking: What’s In It For You?

Open banking has heralded something of a revolution in the retail banking industry in the UK. It offers protection if you decide to share personal banking information with authorised third parties, and as a bank customer could offer you access to financial tools and resources that make money management easier. The second Payment Services Directive […]

Weather The Debt Conditions

Debt snowballing is a term used to describe a particular method of dealing with debt, which in some ways goes against ‘traditional’ thinking. It’s commonly advised to deal with the most expensive debt first in terms of interest rates and charges, which is a natural and effective approach to paying down debt. But one issue […]

A Sting In The Tail

Personal Contract Purchase (PCP) is used by thousands of drivers to finance a car purchase, as it offers flexibility and affordability. PCP is a loan but, unlike a traditional loan, you won’t own the car at the term end (unless you choose to). This has the advantage of lower monthly payments. Determined by the dealer, […]

How To Manage The Cost Of Entertaining The Kids This Summer (Not To Mention Back-To-School Expenditure)

How to manage the cost of entertaining kids this summer (not to mention back-to-school expenditure) If you’re worried about the cost of entertaining kids this summer, you’re not alone. It’s been estimated the average family spends £389 on entertaining the kids during the summer holidays.¹ Ecommerce marketplace Groupon surveyed 3,000 parents and found that 9% […]

Don’t Be An April Fool

Connecting an unprotected PC to the internet is rather like stripping naked, covering yourself in honey and throwing yourself into a nest of angry wasps: the question isn’t whether you’re going to get stung, it’s how bad the results are going to be. The internet is full of unpleasantness and some of it is trying […]