“Do you want to make money from Facebook? It’s simple. Just go to your computer, turn it off – and go to work!” This is just one of the many jokes that you’ll find online about making cash. Although money is a pretty serious topic for all of us there are times when you need to dial up the humour on subjects like taxes, budgets, not quite living within your means and life envy of the seriously wealthy. And now might just be the perfect moment. After all, it’s that time of year when the sun is even less likely to make an appearance, we’re back to the routine of school and work, and your summer tan has pretty much faded. Right now, we all need a reason to … Paying taxes is no laughing matter… Although maybe it is because over the years HMRC has received what it considers to be some pretty hilarious excuses for not submitting tax returns. Not a joke exactly (although they obviously made the tax office laugh), the tried and test excuses from UK businesses that missed thos
In a recent blog post we explored how popular music seems to talk more about our personal relationships than about our relationship with money. And this is the case even though we probably spend an equal amount of time worrying about each of them we want to be happy in our choice of partner, and we want to feel happy that we have no money worries. And of course relationships and money are linked as the saying goes: Love flies out of the window when money flies out of the door.
“I just don’t know where the money goes every month.” “There never seems to be anything left to save.” “I can’t figure out how to get out of my overdraft with the income I have.” If any of these sound familiar to you then no doubt you’re one of the millions in the UK who struggles to get on top of their finances. Well, thanks to the arrival of the era of robot banking you may not have these kinds of excuses for very much longer. Chip is a new banking app and a prime example of the way that technology is being used to help us overcome our worst habits. It has only been around for a year but is already proving popular as a way to make sense of a confusing financial situation. But does it work? Introducing: Chip The premise behind Chip is that it will help to resolve financial problems and get you out of a financial pickle. So, if you’re living in your overdraft and missing all your savings goals Chip could really turn your spending habits around. In order to do that
Love and money are the two things that probably pre-occupy people more than anything else. Everyone aspires to finding that perfect relationship and everyone desperately wants to have enough money to get by. In reality everyone wants more than just enough they want real wealth how else can you explain the success of the National Lottery or the preparedness of many to gamble? But what we thought was odd was the apparent lack of really great songs about money about people s aspirations, frustrations, achievements, weaknesses and failings. When you think about it just about every other song is about love and relationships! We just had to track down as many great money songs as we could. Our Top Money Music Tracks After much searching here are our top 34 songs about money, bread, dough, moolah, skrilla, spondulix, lolly etc. They re in no particular order but if you want to rank them then please do so in the comments below: Which of these would be your top 3, your top 5 or your top 10? Su
Soaps such as Coronation Street have some pretty arresting storylines that are designed to make us think. From bullying, to eating disorders, any regular soap watcher will have seen it all. Earlier this year Coronation Street highlighted the dangers of borrowing from illegal money lenders with Tyrone and Fiz who got into a spot of bother with a loan shark. Unfortunately, they’re not the only ones. Why do we borrow badly? The perception is often that established lenders are less likely to offer finance to anyone who doesn’t have great credit. Like the characters in the soap opera scripts we often think that there are no options left other than the illegal lender. There are also plenty of illegal lenders who seem perfectly reasonable and friendly at first – and then turn out to have a completely different agenda. Threats of violence, spiralling ‘interest’ and huge debt demands can all be part of the experience of borrowing from a money lender who is less than legal. Is there a
It continues to be hard going for Britain’s savers. With interest rates continuing at record lows, returns on savings are negligible or worse for the clear majority. One of the main areas affected by low interest rates is that of cash Isas where the average rate paid is just 0.99% with the possibility that this could go even lower as Britain starts to negotiate its withdrawal from the European Union with many economists predicting an economic slowdown. It may be hard to believe that the rates paid on Isas could drop further – particularly when you consider that NatWest only pays 0.01% on its Isa – but the likelihood is that they will. So, where should savers wishing to get a half decent return on their investments put their money. Here, we look at the alternatives to cash Isas where the tax saving benefit seems to have become negligible: Interest-bearing current accounts Bizarre as it may seem, many of the current accounts available on the high street and online now pay much hi
The Money Advice Service (MAS) launched in 2011 to provide free advice on financial matters. It’s an independent organisation with the objective of helping British citizens better understand personal finances. The MAS has also been designed to give people tools to manage personal finances, to help with serious debt problems or issues that arise from misunderstanding finances and financial systems. However, last year the Treasury announced that the MAS would be closed and replaced by a much smaller entity. So what does that mean for those who need free financial advice in the UK? The Money Advice Service If you’ve ever searched online for financial advice then no doubt you’ve come across the MAS. Its ethos of providing advice that is both free and impartial has given thousands of people the chance to sort their finances out. The idea has always been to provide advice with no agenda. So, advice on buying insurance, for example, that doesn’t have the underlying objective of getti