A UK Personal Finance Blog – The result of direct exposure to the fallout of the financial crisis.

So What’s New? <- click to read

Find in General November 12th, 2015 - 10,818 views

Well how about this! First post in over 2 years. Is anybody there? Is anybody reading this? Regardless of dwindling readership I think it’s a good time to start writing again. There’s no guarantee this will become regular again or if there will even be another post after this one. Who knows what tomorrow will […]

Over 50’s Plans vs Whole of Life Cover <- click to read

Find in Insurance February 25th, 2013 - 23,545 views

So you’ve hit the Big 50 which immediately makes you eligible to consider an over 50’s plan. Great! Insurance without the hassle of lengthy forms and no prying medical questions! Nice and simple. But possibly expensive and with less cover available than other options. The two options being looked at here are: Over 50 plans The […]

Guest Post: Why Cost Shouldn’t be the Only Factor When Choosing Your Life Insurance <- click to read

Find in Insurance February 25th, 2013 - 10,079 views

When it comes to choosing a life insurance plan to protect your family it’s tempting to primarily look for a low-cost option. After all, this is a premium that you’re likely to be paying for many years and possibly the rest of your life so you don’t want to tie yourself in to something overpriced. […]

How to Use a Mortgage Calculator <- click to read

Find in Mortgages February 20th, 2013 - 13,653 views

I’m not just talking about using a mortgage calculator to work out what the monthly payments will be but how to make use of a calculator that shows the ‘amortization’ or monthly & yearly breakdown of payments and balance as well as the difference an overpayment could make. Anybody who has any exposure to mortgages will […]

Thinking About Mortgages Again <- click to read

Find in Mortgages December 6th, 2012 - 8,906 views

After several years skirting around the field of financial services I finally decided to obtain the necessary qualifications to provide mortgage advice, in 2007. Yep, I became a qualified mortgage adviser about 6 months before the industry collapsed. It was a fun time. Like many advisers, when the mortgage enquiries started to dry up, I […]

How to Start and Grow Your Business in Latin America <- click to read

Find in World November 30th, 2012 - 9,937 views

Below is an article I have been sent by a business owner in Argentina whose business is an expanding start-up. I’ve not changed any part of it so it has an authentic Latin American flow and it contains some universal lessons that any new business owner should be aware of. How to Start and Grow Your Business […]

My First CreditFocus Experience <- click to read

Find in Business Costs November 20th, 2012 - 8,202 views

In these times of austerity, cut-backs and rising costs the amount of disposable income is less for many people. The slow economy is putting a strain on businesses as well as consumers and the paying of bills is prioritised by what is essential and who is making the most noise. This is the same for […]

Something about a Tax Refund? <- click to read

Find in General November 14th, 2012 - 8,576 views

Our tax pays for the public services that we all use, so most of us don’t see it as a problem that we have to pay it. However, a high tax bill can put a serious dent in one’s income and when it comes to tax refunds, not all of us know if we are […]

Is it buy now pay later or buy now pay more? <- click to read

Find in Debt August 24th, 2012 - 8,982 views

There are many things that happen in life which need quick and decisive action. Things like the washing machine breaking down when you need to get the kids’ school clothes clean, the car conking out which you avidly rely on to ferry you to work every day or your TV going on the blink when […]

LIBOR Scandal Holds Key to £24 Billion Llyods TSB Shareholder Case <- click to read

Find in Banking & Saving July 9th, 2012 - 10,928 views

Interesting news article suggests: a low borrowing rate gave false impression of HBOS solvency Angry Lloyds shareholders say the Libor scandal is more proof they were mislead into voting to take over HBOS. They have instructed lawyers to incorporate in their claim against Lloyds TSB directors the allegation that they knew that HBOS’s real interest […]

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