Money /

Credit Cards

  • what is apr

    What is APR

    Annual Percentage Rate (APR) is the term used to describe the amount it will cost you to borrow money for one year. It is calculated using a standard method with an assumed level of borrowing of £1,200. The calculation also takes into account the interest charges and any other fees, such as annual fees or

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    cheap personal loans

    Cheap personal loans

    If you need to borrow a substantial amount of cash, you’ll want to ditch the credit card in favour of a personal loan. The loan market is incredibly competitive at the moment, meaning that providers have been forced to lower their rates to attract customers. Competition has been so fierce that rates fell to an

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    5 Things that can ruin your credit history

    5 Things that can ruin your credit history

    Building a sound credit history takes time, patience, and a high degree of self-restraint. It means managing your finances carefully over an extended period of time. After all that effort it would be a shame to inadvertently damage your credit rating, but many people don’t realise how shockingly easy this is to do. Here are

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    Are money worries pushing couples to breaking point

    Are money worries pushing couples to breaking point

    Money has always been a key cause of difficulties between couples. And as the credit crunch continues to bite many partnerships are being ground-down by the interminable need to watch the pennies. When money is tight, even the simplest of innocent spending actions can easily spark an argument as individuals struggle to remain in control

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    managing your money more efficiently

    Manage your money more efficiently

    Money management isn’t a subject often taught in schools, yet it’s a skill we all need to use throughout adulthood. Whether you’re looking to spend less, build up some savings or need to be a little more organised with your cash flow, the benefits of managing your money are pretty obvious. Keep a record Make

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    saving money on your holiday

    Saving money on your holiday

    Winter gloom is enough to prompt many of us to start thinking about our summer holidays. But as with any big expense, it pays to do your homework before parting with your cash. Avoid being drawn-in by mesmerising images of sun-kissed beaches and keep a focus on the numbers. There is plenty of time ahead

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