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
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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
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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
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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
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The most up-to-date ways to save money

All of us are looking for new ideas when it comes to finding ways to save money and to hold on to a few more of those precious pounds that we earn each month. But the sad truth is that many people find themselves living wage check to wage check and run out of money days before their salary is actually paid into their bank account. If this is describes you, then you’ll probably benefit from some of the most up-to-date ways to save money and start living within your means. Before we begin, it’s important to be clear about why you want to save money. Is it to save more for the future? Do you want to pay down debt? Or do you just want more disposable income every month and to stop going to the cashpoint only to be told: “Insufficient funds in your account”? Saving to save money If you want to cut back to put more money aside for the future, then here is the most achievable plan for doing so: Make a note of all of your spending. All of it – every purchase both large and small Mak
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Quick safe ways to borrow over the short term

If you need a quick and safe way to get some credit then there are number of alternatives available to you. We have written about payday loans and doorstep loans in our blog on a number of occasions in the past few months. The other methods that spring to mind include: Credit cards If you need to borrow a smaller amount – less than £7,500, for example – then it may be cheaper to use a credit card with an interest-free introductory period on purchases. The best option in this area is Tesco’s Clubcard credit card which gives you 0 per cent interest for a period of 16 months. You’ll also get double or even treble Tesco Clubcard points when you use it for purchases within the store. Purchases at some other stores will also earn you points. As well as interest-free purchases, the Tesco card also offers 0 per cent on balance transfers for a period of nine months although you will have to pay a 2.9 per cent fee on the balance of any transfers. The M&S credit card offers interest-fre
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8 ways to get great clothes without spending too much

Why do some people look good and others look like they ve dressed themselves at the local jumble sale? It’s all about money, isn t it? Those with a lot of cash can afford the best designer clothes, take a pride in their appearance and look smooth and polished all the time, right? Wrong. While having a lot of money can mean that you’ll have the cash to spend on the latest fashions, just because you aren t rich does not mean that you have to dress poorly or not take pride in your appearance. 8 top tips to save money on your clothes: Have a clothes budget It’s a myth that shopping for new clothes will break the bank. In fact, thanks to globalisation, clothes have never been cheaper. True buying yourself a completely new wardrobe in one go can cost you a lot, but if you break it down and shop regularly rather than once a year, then you’ll keep your wardrobe fresh without putting a strain on your bank account. The trick is to set a monthly budget for clothing and stick to it. The
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