How to budget at University – ways to manage spending, and how to get an income while you’re there

How to budget at University – ways to manage spending, and how to get an income while you’re there


New ways to sell your house – you don’t have to use an estate agent!

Estate agents don’t exactly have the best of reputations. But beyond the flashy cars, the pushy attitudes and the jargon there’s probably one thing that many people find more upsetting about working with an agent than anything else: the cost. Fees and commissions can leave a serious dent in your budget. Most agents charge a percentage of the total sale price, which can be between 0.75% and 3.0%+VAT. On a £300,000 property that could be as much as £9,000 + VAT. However, times are changing and the traditional estate agent now has a lot more competition. So, if you want to sell your house but reduce the fees that you pay what are your options? Use a traditional estate agent as your point of comparison It’s sometimes worth looking into the process and costs of working with a traditional agent, if only as a starting point for comparison. Many are now reviewing fee structures to become more competitive and trying to offer additional benefits to make them a more attractive option. We

The end of banks’ rip-off fees and charges?

There are many different ways in which banks make money from customers. While we’re all familiar with paying interest on loans and overdrafts or a fee for a current account, it’s the hidden charges that most of us consider a rip off. So, for example, the fee you might pay for going over an overdraft limit or unauthorised overdraft interest. These are just some of the less up front methods banks use to extract cash from customers. The end of hidden fees and charges? In the current culture of increased transparency many banks are now finding themselves in a position where hidden fees and charges need to be reviewed. Various consumer groups, as well as the Competition and Markets Authority have criticised the use of these charges. The Financial Conduct Authority is currently carrying out a review of high cost credit and part of this review is likely to be new measures on unauthorised overdraft fees. The main basis for criticism of these fees is that they don’t reflect the true cost

Top 5 ways to break a shopping addiction

We often joke about being addicted to shopping or store cards. Comparisons to Paris Hilton or other famous shoppers, such as Cher from Clueless, are made in jest. However, the reality is that a shopping addiction can be a serious problem. In the US it even has a name – ‘compulsive buying disorder’ – and 18 million Americans are estimated to be affected. In the UK, the issue is just as bad – back in 2000, experts estimated one in five women to be a shopaholic and around 10% of the population as a whole to be shopping compulsively. Given the boom in online shopping, as well as the wide range of credit options that have developed since then, the likelihood is that in 2017 this problem is far worse. The consequences of a shopping addiction If you’re regularly and compulsively spending on shopping then you might find you experience a number of not too pleasant consequences: Often running out of money each month because you’ve spent it on shopping Never feeling satisfied with

Fun ways to make saving easy

We might all enjoy spending money on the things (or people) we love, but constantly spending and never saving is an unhealthy habit. Worrying about rising debt can cause us to have sleepless night and lack of sleep cause us to become physically unwell. So getting in to the habit of saving is good for us in many ways. The young, middle-aged and old; employed, self-employed or unemployed we can all benefit from having a bit put by for a rainy day. Even if it s just a small amount imagine the pressure that would take off if your car broke down or your boiler packed up? Imagine being able to pay for those repairs without worrying about hitting your credit card limit or taking out a loan. Sure you have to make sacrifices to build up some savings but if you ve never given it a try you might be surprised at how quickly a small, regular amount can build up. And that small savings pot could give you some financial freedom – maybe you won t need it for an emergency and could spend it on a muc

The new online ways to buy or sell your cars

The internet is a fantastic marketplace you can buy and sell everything online now, from houses, to suitcases. Those selling online are often able to offer lower prices than the costs of products in bricks and mortar stores. Plus, the internet has connected individuals who are looking to sell to each other, cutting out the middleman. Cars are perhaps one of the most expensive purchases that we make. If you’re looking to reduce your up front purchase costs – or get a good price for an old vehicle – selling or buying online offers a great, simple option. What are the choices? There are lots different choices when it comes to selling or buying a car online now but most of them come down to the same structure. Normally, a website or app serves as a database, either distributing your car details to dealers or showing you the buying options available. These are four of the most popular: Carwow – this site works on the basis of comparison. Find the car you want to buy and you’ll be

7 ways to raise business funding and finance

It s no surprise that every business needs funding, whether it s a new startup or a well-established small business looking to grow. Establishing and growing a successful business always needs an injection of hard cash no matter how exciting the idea or how great the business model. But that is often the stumbling block holding back small businesses: how to raise money. It is tempting to think that you can get a loan from your bank, especially if you have a proven track record with them and a proven business model if you have been trading for a few years. Unfortunately, in our current economic climate that is frequently not going to happen. So if your business, like so many others, has been turned down by the mainstream banks what are your alternatives? Fortunately, mainstream banks are not the only lenders out there and the rise of the internet has made alternative funding a very viable option for many – and often a cheaper option than a more traditional route to raising finance fo