How to slash your food bill by 50%

By: Oliver Jones May 25, 2016 How to slash your food bill by 50% We waste so much money on food – UK households spend £12.5 billion on buying and then throwing away food every year, that’s around £700 a year that each household could save simply by smarter shopping and avoiding waste. If you need to significantly cut the cost of your food spend, without going hungry, then these tips will help you to save some serious cash. Buy it when it’s cheap, not when you want it While you don’t have to buy everything on special simply because it’s on special, if you have a list of items that you regularly purchase (rice, pasta, baked beans etc) then stockpile these when they are reduced. Leave some room in your weekly food shop for flexibility – if your family eats meat three times a week then buy whichever meat is on special that week, rather than what you want to eat. With some clever cooking you can make anything taste great. Have a vegetarian week Meat is the most expensive comp


We’ve gained FCA authorisation after a 12 month process

By: Amanda Gillam May 24, 2016 We’ve gained FCA authorisation after a 12 month process We’re proud to announce that our owner, Affiniti Digital Media Ltd, has just become authorised by the FCA. The process of authorisation is onerous and it has taken 12 months of hard work to achieve this. Becoming authorised means that the FCA is satisfied that the business meets and will continue to meet not only so-called threshold conditions but also the FCA’s High Level Principles for businesses. But we are fully aware that becoming authorised is only the start of a journey. We will strive to continually improve what we do and our aim is clear – to help empower people to identify the right credit solution for their needs and to do so in a way that means our service can remain free to them. Find out more at our website. Tags: FCA authorisation, credit broking Category: News

5 loans to consider if you have bad credit

By: Alex Hartley May 23, 2016 5 loans to consider if you have bad credit A bad credit rating can feel like the end of the world when it comes to trying to arrange new finance. Millions of people in the UK have issues with their credit rating and yet, despite the volume of people this affects, we still believe that credit score problems mean that no lender will touch us. As personal finance has evolved to take into account the way the world is now, this is simply no longer the case. There are now loans tailored to people with credit problems. If you have a bad credit rating then consider these five loans as they are designed to help anyone without a perfect credit score. 1. Guarantor loans The idea behind guarantor loans is that they provide someone with a good credit score with the opportunity to help someone with a bad credit rating. A guarantor will essentially provide an insurance policy to a lender – if you can’t repay the loan then the guarantor agrees to do it for you. With

7 Ways to Improve Your Credit Score

By: Oliver Jones May 19, 2016 7 Ways to Improve Your Credit Score Your credit score (or rating) is an essential measurement of how you as an individual rank in terms of creditworthiness – so you need to protect it and nurture it. A credit score can seem like a confusing and intimidating number, and you may be tempted to ignore it if it’s not great. However, it’s important to understand how to improve your credit score as it’s this statistic that will have a significant influence over whether lenders believe you are worth lending to, and so your ability to obtain credit cards, mortgages, personal loans and other finance products. Borrow This might sound counter-intuitive but the thing about a credit score is that you need to have some history of borrowing to create a good one. If you’ve never borrowed anything, had a mobile phone contract or owned a credit card, for example, then there is no evidence that you’re able to manage borrowings and repay them on time and this can be j

Cheap home improvements you can do in 1 day

By: Alex Hartley May 16, 2016 Cheap home improvements you can do in 1 day Home improvement sometimes seems like a mammoth task involving months of disturbance, lots of dustsheets and spiraling budgets. However, it doesn’t have to be this way as there are lots of home improvements that are simple to do. If you want to give your interiors a lift without committing to months of disruption then here are a few cheap home improvements ideas that you can do in a day. Paint a room Paint is probably the cheapest way to make a home improvement that will have significant impact on your interiors – it’s simple to get hold of and relatively easy to do a great job without much experience. If you’re fed up of minimalism then opt for a bold summer shade such as juicy orange or a pastel yellow and if you want to make a serious statement then try a petrol blue or sea green. If you don’t fancy painting an entire room then start with one wall – the ‘accent wall’ is a bona fide interiors t

6 Reasons to consider a short term loan

By: Oliver Jones May 12, 2016 6 Reasons to consider a short term loan Short term loans are very popular in the UK, offering a simple and fast way to cover a gap in household or personal budgets. Whether you’re having a tough month in terms of budgeting, or you’re finding yourself facing an unexpected expense, there are many reasons to think about short term financing to help bridge the gap. There are a number of different options available when it comes to these loans, including payday loans, instalment loans and guarantor loans. Different types of short term loans Payday loans – these are the shortest term loans available, usually borrowed for around a month. Small cash sums can be used to tide you over until your next payday when the loan is repaid. These loans are ideal for very short term borrowing when you don’t want to worry about multiple repayments over a long period of time. Instalment loans – for short term borrowing over a slightly longer period (a year or more),

10 Money Saving tips for family budgets

By: Oliver Jones May 09, 2016 10 Money Saving tips for family budgets Cutting down, and making savings, are part of the financial plan for many people and for those with families to support this becomes even more essential – the average cost of raising a child to 21 is now around £200,000. The expense of childcare, the need to put food on the table for growing bodies and the higher energy demands of a family home are just a few of the costs that can put strain on any budget. However, there are ways that you can keep your finances under control with these 10 money saving tips for parents. 1. Control your energy usage Gas and electricity are major costs for most parents and with lights left on, vast volumes of clothes to wash and the expense of heating water for multiple daily showers it’s easy for this to get out of control. Cut your energy costs by switching to a cheaper provider, invest in an eco friendly washing machine, energy saving tumble dryer and energy efficient dishwasher,